Mobexo offers a customizable system of pre-payment, payment, and post-payment services. The Mobexo mobile payment e-wallet is a free app on IOS, Android and Windows Phone which allows two parties to transfer funds instantaneously and securely without the need of additional devices. The app enables users to pay online or at physical shops, restaurant and bars. At payment time, users can earn points on their preferred merchants' loyalty card and can effortlessly redeem promotional deals collected on web sites, games, magazines, TV ads, on street billboards, etc. Unlike credit cards or cash, Mobexo allows merchants to accept funds from customers without requiring them to give out their personal banking information.