The invention discloses a network payment-based card-free metro ticket selling method, a network payment-based card-free metro ticket checking method, a terminal and a server. The ticket selling method comprises the steps of receiving registration information and ticket selection information of a user, and generating an order; feeding back the order to the terminal; receiving a payment mode selected by the user, wherein the payment mode includes deferred payment and immediate payment; if the payment mode is the immediate payment, judging whether an immediate payment request quantity exceeds a set threshold or not, and if the immediate payment request quantity exceeds the set threshold, setting payment requests with the quantity exceeding the set threshold to be in a queue waiting state, otherwise, executing a payment instruction; after the order is paid, sending a notification of payment success to the terminal; generating a two-dimensional code, and sending the two-dimensional code to the terminal; sending the registration information of the user and order information to a safety inspection server; if the payment mode is the deferred payment, judging whether the user is a user in a honesty database or not, and if yes, sending the two-dimensional code to the terminal; and if not, sending a notification of rejecting a deferred payment request to the terminal. The ticket selling and checking methods have the advantages of card-free ticket selling and checking.