mPayy, a secure online and mobile payment platform that enables merchant and bill payment processing, has said that it has made a secure mobile payments application available in the Android marketplace for all phones that run the Android operating system. mPayy enables free person-to-person payments between members, and low cost merchant processing through its new Android application.

mPayy said that all personal and business accounts may use the Android application to make and receive person-to-person payments, track activity, and withdraw funds from accounts to linked bank accounts. Small business account holders are also able to issue refunds for any sale through the application, even if it occurred on their website.

Once members open small business accounts, they will be able to generate their own API key to unlock mPayy’s payment services, and add secure debit payments to their online or mobile websites and applications. API keys may be used to authorize one-time or recurring billing subscription payments. Merchants can receive mPayy members’ shipping information to fulfill orders conducted through its online and mobile payments service.

mPayy members without bank accounts can receive funds into free, no fee, stored value accounts. These funds can be easily budgeted and used to make purchases at e-commerce merchants where mPayy is accepted, or transferred for free to account holders that have bank accounts where the funds can be withdrawn quickly for free.

Conrad Sheehan, CEO of mPayy, said: “We are incredibly bullish on the mass market appeal and flexibility of Android’s open source, java-centric operating system. mPayy’s payment services enable convenient, secure transactions on the go and is ready to plug into advanced mobile commerce experiences for any merchant. We realize we’re a little ahead of the curve, but that puts us in a good spot as merchants and billers of all sizes work to build out mobile commerce offerings and pursue alternative payments that don’t rely on card networks.”