A method of completing a transaction at a point-of-sale terminal using payment information contained on a wireless unit of a customer. The method comprises providing a point-of-sale terminal capable of wirelessly connecting with a wireless unit of a customer desiring to complete a transaction. The point-of-sale terminal is used to perform at least one of reading a barcode displayed on the wireless unit containing short range network pairing information, or displaying a barcode containing short range network pairing information for reading by the wireless unit, to thereby establish a short range wireless network between the point-of-sale terminal and the wireless unit of the customer. Via the short range wireless network, transaction data is received from the wireless unit of the customer containing payment information. The transaction data is then used to effect payment for the transaction and thereby complete the transaction.