Embodiments of the invention broadly contemplate systems, methods, apparatuses and program products that leverage the mobile web, especially the spoken (telecom) web, to handle transactions. According to embodiments of the invention, in essence, a mobile device such as a phone is used as a terminal, remote authentication is employed, and a challenge response using a per transaction audio based code is used as a confirmation. Embodiments of the invention also provide further protection against repudiation, and greater trust in the transaction, by employing witnesses.