A mobile-to-mobile payment method and system are presented. One or more payor messages are received at a payment server from a mobile device associated with a payor. The one or more payor messages include an identifier of a payee and an amount. The identifier of the payee is associated with a payee account, and the mobile device is associated with a payer account. The payment server executes a transfer of funds of the amount from the payor account to the payee account.