Abstract: A process and apparatus for creating and using a money gift package in which a recorded message from a Giver can be retrieved by a Recipient. A wearable personable implement such as a wrist band contains an attached SIM Card that is used without contact to activate a point-of-sale terminal. A QR Code is used to provide access to the recorded message as well as instructional messages and contains the identity of the Giver and the Recipient.