Processing payment through a mobile device includes: receiving a command; using an upper layer application program on the mobile device to generate a payment request based on the command and send the payment request to localhost address of the mobile device via a predetermined port; using a lower layer payment program on the mobile device to monitor the payment request sent from the localhost address of the mobile device via the predetermined port; in response to the payment request, using the lower layer payment program to provide an input interface for payment information in and receive the input payment information; using the lower layer payment program to connect with a payment server and pass the payment information over a network to the payment server; and using the lower layer payment program to transfer a payment processing result received from the payment server, to the upper layer application program.