With the advent of technology, a wide range of software has been being developed, reforming the way of payment through state-of-the-art gadgets. Consequently, mobile phone application is becoming popular in case of payment for purchasing services or products has come along a number of upsides, together with downsides. I, nonetheless, deem that paying for goods or services by using cell phone app is more of a blessing on the grounds that it saves time and facilitates people purchase things at any time by staying at any place.