Mobile payment via transfer network

A method for making a mobile payment via a transfer network, the method comprising:

• receiving, using a computing processor device, at a first apparatus, readable indicia and payment information from a second apparatus, wherein the readable indicia is configured to be associated with more than one merchant, wherein the payment information comprises an amount of funds, and wherein the amount of funds comprises at least one of a subtotal, a tax, a tip, and a total amount, and is modifiable by an end user;
• identifying, using a computing processor device, an account associated with the readable indicia based on searching a database of records;
• processing, using a computing processor device, the payment information, wherein processing the payment information comprises transmitting to the identified account the determined amount of funds;
• transmitting, using a computing processor device, an acknowledgement of payment transfer to a third apparatus associated with the identified account.

A non-transitory computer program product for making a mobile payment via a transfer network, the computer program product comprising a non-transitory computer-readable medium comprising code causing a first apparatus to:

• receive readable indicia and payment information from a second apparatus, wherein the readable indicia is configured to be associated with more than one merchant, wherein the payment information comprises an amount of funds, and wherein the amount of funds comprises at least one of a subtotal, a tax, a tip, and a total amount, and is modifiable by an end user;
• identify an account associated with the readable indicia based on searching a database of records;
• process the payment information, wherein processing the payment information comprises transmitting to the identified account the determined amount of funds;
• transmit an acknowledgement of payment transfer to a third apparatus associated with the identified account.