The next-generation networks improve people's quality of life with new services and applications. The evolution of Internet technologies also promoted the development of electronic commerce and the evolution of mobile payments. Near field communication (NFC) was proposed as a new short-range wireless technology and can play an important role in such issues. Money transactions among mobile devices could play an important role in a near future in order to simplify and perform such operations safely. Furthermore, it is important that tasks are easy to perform. Then, this paper presents a mobile solution based on a peer-to-peer communication system for money transfer, based on NFC and Bluetooth communications. A hybrid communication protocol combining the security characteristics of NFC and better Bluetooth data transfer rates is proposed. The proposal was deployed in real environments, and it was evaluated, demonstrated, and validated with different NFC tags and the Bluetooth traffic was also analyzed. It was shown that system presents good response times. The solution offers a friendly user's interface and very easy to use, guaranteeing the security of money transfer, and it is ready for use. Copyright © 2013 John Wiley & Sons, Ltd.