The invention discloses a method for testing the transaction performance of a terminal. A test tool comprises a client, a database and a server; a user makes a transaction template and test cases at the client and stores the transaction template and the test cases in the database; and during testing, the server receives a test command and adopts a processing mode comprising the following steps of: a, loading the transaction template and the test cases to a memory pool from the database; b, initializing an extraction algorithm for extracting transactions from the memory pool; c, starting communication connection among the server, an acquiring platform and an encryptor; d, setting communication links as required; e, serving as terminal processed transactions; f, calculating whether an interval between the current time and last statistical time is more than or equal to a statistical period or not, and outputting transaction statistical information according to the statistical period when the condition is met; and g, returning to the step d and circularly processing transactions interacted with communication. By the method for testing the performance, multi-level related transactions can be supported, the actual transaction situation can be truly simulated, and test continuity is ensured.