An Orchestrated "e-Services/e-Payment" Scheme that extends the e-Services currently available on Mobile Devices platform to Landline Handsets, integrates and combines: Various Shapes of Authentication/Authorization Tools (Smart SIM's used in Mobile Phones and Smart Cards used in ATM's); Various e-Access Terminals (Fixed-Phones, Personal Computers, Mobile Phones, Handheld Devices, . . . etc); Various Types of e-Services Applications (Internet, WAP and IVR without need for Personal Computers); Various e-Payment Instruments (Credit Cards, Prepaid Electronic Accounts, and Prepaid Cards without need for Credit or Bank Accounts). Also the Scheme avails Printing of "Payment Receipts" through various alternatives (including new printing services via ATM machines).