The embodiment of the invention discloses a payment method and a terminal. The payment method includes the steps: acquiring a payment request, according to a target user identity label carried in thepayment request, sending the payment data request to a server, wherein the payment data request is used for requesting for the payment statistical data corresponding to the target user identity labelto the server; acquiring the payment statistical data returned from the server, and acquiring each supported payment mode; according to the payment statistical data, sorting the each payment mode, anddisplaying the sorting result of each payment mode; and acquiring the target payment mode selected by the user according to the sorting result, and according to the target payment mode, performing payment. The payment method can solve the problem that a current payment mode restricts the payment selection approach of the user, according to the payment statistical data, can provide various paymentcodes, can reduce the standing time of the user at a cashier, can help the user to simply and quickly complete payment, can maximally improve the order payment success rate, can reduce the order lossrate, and can improve the user payment experience.