The present disclosure relates to the technical field of computers. Provided are a positioning and paying method, apparatus and system based on the Internet of Vehicles. A specific implementation of the method comprises: an in-vehicle client obtains position information of a vehicle on the basis of the Internet of Vehicles; and a management server determines a corresponding service entity for the vehicle on the basis of the position information, so as to automatically complete a fee payment operation by using a first digital currency wallet that is included in the in-vehicle client and a second digital currency wallet that is included in the service entity. Thus, the problems of a low degree of automation and a low payment efficiency caused by manual fee payment are overcome, thereby enhancing the user experience.