A mobile payment system including a merchant, a mobile device having mobile payment capability, a server couplable to a payment network, and a merchant computing device couplable to the server. A purchase request is made of the merchant and a purchase identification is associated with the purchase. The purchase information is entered into the merchant computing device and the purchase identification is sent to the server with payment information. Mobile payment communication is established between the mobile device and the server using the purchase identification and a mobile payment for the purchase is made from the mobile device to a payment network through the server.