Abstract: A cellular telephone is configured as a payment device for purchases from merchants, service providers and fast food establishments. The cellular device, in cooperation and interoperation with the cellular network and cellular service, providing a means for receiving credit authorization requests from merchants, reviewing the request, and approving or disapproving requests from the purchaser's cellular phone. The cellular telephone payment device and network having capabilities of replacing conventional credit cards and cash payments at time of purchase to merchants and service providers.