A method of billing a payment transaction to a mobile communication service account. The method comprises receiving a request for mobile communication service provider billing approval from a payment processor, wherein the request comprises one of a phone number associated with a mobile communication service account or an equipment identification of a mobile communication device associated with the mobile communication service account, wherein the request comprises a processor routing number, wherein the processor routing number is consistent in format with one of a block of credit card numbers maintained by a mobile communication service provider, and wherein the processor routing number is used by different mobile communication devices associated with different mobile communication service accounts to complete payments. The method further comprises identifying the service account based on one of the phone number or the equipment identification of the mobile communication device, and charging to the mobile communication service account.