Systems and methods to accelerate transactions made via mobile communications. In one aspect, a system includes: a data storage facility to store information associated with past payment transactions and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of controllers. The converters are configured to communicate with the controllers in different formats, and to communicate with the common format processor in a common format. The common format processor includes a risk engine and a transaction engine. The risk engine estimates a risk in a billing process; and the transaction engine determines whether or not to notify a merchant of the predicted result of billing based on the suggestion from the risk engine and/or other information, such as the status of the wireless telecommunications network.