STAGED TRANSACTION SYSTEM FOR MOBILE COMMERCE

Systems and methods for accepting payments for goods and services provided by a merchant. In one embodiment a method can be implemented by obtaining digital content; offering said digital content to a wireless telephone user; receiving payment information from said user for purchase of said digital content; processing said payment information so as to confirm payment for said digital content; and then downloading said digital content to said wireless telephone of said wireless telephone user. Optionally, the transaction may be staged by the consumer, or others.