The Bizwallet is a Mobile application that works on Android mobile devices for sending and receiving payments. The Bizwallet is a mobile application to process credit and debit card payments for the items sold by the merchant to the client. The mobile application can scan a credit or debit card captured by camera from the mobile device, or scan an encrypted QR code of the credit or debit card or by manually entering card details. The Bizwallet app can also send securely the encrypted QR code as payment to another Bizwallet user phone to make purchases. The transactions details of the payments processed can be viewed on the Bizwallet app in the mobile device.