In some examples, by communicating with a mobile service, a user of a mobile device may settle his or her bill with a business using the mobile device. The business may be configured with a beacon to determine when the user's mobile device is near the business and a point-of-sale device to manage user orders and communicate with a mobile payment service. In response to a request by the mobile device, the mobile payment service may debit a user account associated with the mobile device for items purchased at the business. In turn, the mobile payment service may pay the business for the items purchased at the business.