The invention relates to an indoor water charge paper-free meter reading and payment system. A remote water charge management system is used for converting user monthly water charge and data into a two-dimensional code and transmitting the two-dimensional code to the user, so that the user can log on the e-banking system or swipe the card for payment. The system solves the problem that the user needs to pay in the bank with a payment note at present, and has the advantages of simple structure and high practicality.