Systems, methods, and computer program products are provided for automatic activation of mobile payment mechanisms (e.g., software applications, devices/hardware and the like) on a mobile communication device in response to automated determination of the mobile payment types accepted by a merchant at which the user/consumer is located. As such, the present invention serves to automatically make the user/consumer aware of an option for mobile payment. In addition, the mobile payment transaction is made more efficient, in that, the user/consumer does not have to manually configure and/or activate the software or hardware associated with the mobile payment type.