Merchants have to define the data fields that the user has to fill in according to ECML and add a mobile wallet option to the list of accepted payment methods. Most of the Internet merchants are already using ECML forms in their Internet services. The ECML format can be downloaded from ECML's website (www.ecml.org/) There are no changes necessary between the merchant and acquirer bank, which makes it very easy for merchants to adapt their Internet business/offering to the mobile world.