If you're build mobile services like mobile payment platforms, video games, ecommerce solutions etc., a PhD isn't going to get you more money from a customer.
No, you missed my point. No one is building "mobile payment platforms, video games, ecommerce solutions" in academia, either because those problems aren't interesting, or more likely because they will not get you grants. The point of a PhD is to work on fundamental problems in your field of study. This is something that is often ignored by people claiming to be studying computer science, which is why people constantly argue that it is not a science.
Well, actually people are building these things, but they are focussing on one aspect, and skipping any non-interesting parts as far as possible. So, that payment system will have one or more innovative aspects, but it will likely not be robust, fast enough to handle thousands of customers, secure, capable of handling international payments, etc, and it will certainly not be all of them.
If you're build mobile services like mobile payment platforms, video games, ecommerce solutions etc., a PhD isn't going to get you more money from a customer.