For payment by mobile phones you must have virtual credit cards which accepting crypto. And you must have agreement from Visa or Mastercard. But you don't have this as they want not work with crypto!
what about this , Tkeycoin?
In 2019 there will be negotiations with banks, it is possible to obtain a license. The license will give the right to become a payment system. Also, it is necessary to take into account that we are developing a payment gateway that will allow you to convert currency using a Bank or exchange. Payments are made using the app.