The Broadspectrum Payment Gateway provides a secure end-to-end payment channel for merchants that allows any mobile user to pay for merchant services at any time. The merchant is able to track all incoming payments using a robust invoicing, billing, payment, reconciliation, and reporting infrastructure. It provides access to a variety of payment channels including Point of Sale Terminals (POS), ATMs, Cards, Agent network, USSD, SMS and Check out APIs for E-commerce.