Methods and systems for distributing a 
mobile device application for use in making and receiving payments utilizing a 
mobile device such as a mobile telephone (cellphone) or 
wireless connected personal digital assistant (PDA). A downloadable 
mobile device application, when installed on a compatible mobile device, is operative for communicating with a mobile 
financial transaction system (MFTS) that facilitates the making and receiving of payments via 
wireless mobile devices. The downloadable mobile device application is provided via a download 
system that downloads the application to mobile devices according to download procedures appropriate for a particular type of mobile device. When a 
payment is made to a payee having a mobile device, 
system communicates a message to the payee's mobile device that informs that a 
payment has been made and instructs the payee about the downloadable mobile device application. If the mobile device user / payee downloads and installs the mobile device application on his or her mobile device and provides enrollment information, interaction between the MFTS and the mobile device user / payee is permitted, and 
payment is provided to the mobile device user as user / payee.