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New advances in mobile computer technology, along with rapid growth of quality and quantity of wireless networks, introduce new capabilities, applications, and concerns to computer science and industry. Mobile payment, in which mobile customers use their phones for performing financial transactions, is a promising and exciting domain that has been rapidly developing recently. Although different mobile payment schemes has been designed and deployed worldwide, there is still a lack of research in achieving efficient and global mobile payment systems. Different business players and various technologies make the situation more complex. In this paper, we present MPaySmart, a secure and user-friendly mobile payment system which focuses on customer requirements. It is an operator-driven SIM-based mobile payment scheme, which utilizes Over-the-Air technology for secure communications.