Money transactions and payment issues has been considered the most important task in people life now a days. They always looking for enhancing their sustenance situation and asking in urging for the best technology performs their transaction and payment easy and save their money and time. So near field communication (NFC) is the optimum solution they need in this paper we utilize this technology and present a payment method and implementation will work perfectly in markets. our project consist of two android application one must installed in the customer smart phone and the other in vendor smart phone, PC contains the data base which has been written java language in form of tables involved the information of both vender and customer like ID, bank account number, phone number, the amount you want to transfer and your balance etc. the transaction process preformed via NFC technology and WIFI to establish the connection. Eclipse simulator has been considered as design environment and the project has been tested on both live and simulation environment and the result was successfully.