KINEKT provides the world's 1st Low Cost, TRANSACTION AGNOSTIC (inter-operable) Payment Terminal = ENABLING ANY PAYMENT IN JUST 2 STEPS. The solution (patents pending) works similar to QR Code transactions to make payments, but instead of scanning a QR Code customers will simply dial a unique (different) USSD "short-code" displayed at every point of sale + PIN, which ANY HANDSET can do (without internet or software) = 2 billion users.