The present disclosure relates to a technology for sensor networks, Machine to Machine (M2M), Machine Type Communication (MTC), and Internet of Things (IoT). The present disclosure may be used for an intelligent service (smart home, smart building, smart city, smart car or connected car, health care, digital education, retail business, security and safety-related service, etc.) that is based on the above technologies. The present disclosure provides a method and device which use a mobile card to make a split payment. According to the present disclosure, a method for making a mobile payment comprises the steps of: selecting at least one second terminal to which a first terminal will make a split payment; on the basis of identification information of the first terminal and identification information for the at least one selected second terminal, requesting, by means of the first terminal to a payment server that provides a split payment service, the issuing of a shared card for making a split payment; and receiving, via the first terminal, information on the shared card from the payment server, and completing the issuing of the shared card.