SimPayX is a universal mobile shopping platform which allows customers to shop and pay while doing in person shopping at attended locations such as restaurants, drive thrus or unattended systems such as vending machines and car wash. With its Dynamic menu generation feature SimPayX provides the convenience of avoiding lines during in person shopping. SimPayX also provides a secure mobile wallet which avoids storing any payment data on mobile device or sending it to the merchant terminal. This version is released for shopping at vending machines.