Currently, there has been a paradigm shifted in the storing of electronic payment records (EPRs) on mobile distributed systems, wherein mobile devices are coupled with cloud computing to ease financial data transfers between consumers and stakeholders. This enhanced architecture allows low-cost online payment services with high versatility and EPR accessibility. Nevertheless, for e-payment platforms, such a new paradigm poses worries about data privacy and network security. A difficult challenge is how to reliably disseminate EPRs across mobile users while maintaining high-security security standards in the mobile cloud. This paper investigates and demonstrates the electronic payment approach of urban mobile pass cards’ dependability and excellence. Furthermore, on a mobile cloud platform, our technology integrates blockchain with the decentralized interplanetary file system (IPFS). We specifically create a reliable access control method on smart contracts to ensure secure EPR sharing across various clients and stakeholders. Our empirical results indicate that our concept provides a viable solution for data transfers on mobile clouds while protecting critical payment information from potential attacks. When compared to previous data sharing models, the system evaluation and security analysis show performance gains in lightweight access control architecture, minimal network latency with excellent security and data confidentiality levels.