System and method to facilitate purchases through mobile communications on various types of mobile devices and platforms by reducing the number of steps it takes the user to complete the purchase with mobile in-app payments, and/or by enabling purchases to be made without the device being connected to the Internet and/or by automatic compilation of payment request. A set of user identifying details, including user's country, mobile carrier name and phone number, is required in order to process a mobile purchase. The advantages of the present invention from the user perspective is the ability to complete the purchase in fewer steps by automatic user details identification and the ability to complete the purchase in case there is no Internet connection by embedding a specially formatted database file with the application of mobile device.