A method of conducting a transaction between a merchant Point of Sale system (POS) and a customer device is presented. The method entails obtaining a ticket directly from the merchant POS via a plug-in application, the ticket including a merchant identification, a customer identification, ordered items, and prices of the ordered items; activating a web portal to interface the customer device; reporting ordered items and prices to the client device, and receiving payment authorization from the customer device; generating a login token via a payment engine to contact a gateway to a financial transaction site; and in response to receiving authorization from the gateway, contacting the merchant POS to complete the transaction.