Abstract: “The main problem of Indian e-commerce is its insufficient modes of payment. Therefore the development in resources of mobile payment is necessary to boost the e-commerce business in India. There are presently three forms of payment prevalent in India in e-commerce One is the payment through credit cards/debit cards, second is the cash on delivery option which is only available in selected cities. Last but not the least is the mobile banking payment which has recently developed. But it is available only through banks which provide mobile banking. The paper brings forward a new form of payment through mobile phone. Referring to the advantages of the existing forms of payments and aiming to cover up their disadvantages at the same time. We propose an idea for an e-commerce website and mobile service provider to eliminate the role of banks from mobile payment. An e-commerce pin will be available for the people buying sim cards and can further purchase via sending sms from their mobile phon”

Keywords: mobile payment platform