In this paper, the authors explore a solution to create a cashless mobile payment system. The aim is to provide the most cost efficient and secure alternative to current systems. Current systems use SMS and USSD to process payments. These are not cost effective methods of communication. There is also no current method of processing credit payment on a mobile phone without the need for a specialized piece of hardware. The system is broken up into three parts, a visual QR code, Qpay Android application and a payment server. The identification of mobile phone is encoded in a QR code allowing the built in camera on a mobile phone to scan a card.