The present disclosure describes making a payment transaction between a customer and a merchant using a payment card of the customer including: transmitting details of the payment transaction from a mobile device to a remote server; capturing at least one image of the payment card using the mobile device of the merchant; transmitting the at least one image of the payment card to the remote server; identifying, by the remote server, the merchant and the payment card captured in the at least one image; and implementing the payment transaction between bank accounts of the customer and the merchant.