The invention discloses an intelligent RFID (radio frequency identification) payment terminal and method. The intelligent RFID payment terminal comprises a handheld mobile terminal, an RFID payment terminal machine, an MAS (mobile agent server) platform, a bank server, an internetbank WEB (website), an MAS platform message gateway and a bank message gateway, wherein the handheld mobile terminal is used for providing a purchasing window for a user and is used for storing RFID label information and a payment bank account cipher message encrypted by a bank public key, the RFID payment terminal machine is used for providing a commodity purchasing platform for the handheld mobile terminal, the MAS platform is used for providing a transaction platform and generating an encrypting public key and a decrypting public key for transaction, the bank server is used for executing transaction and payment and feeding the payment result information back, the internetbank WEB is used for providing an interface for the handheld mobile terminal and the bank server to realize transaction and payment, and the handheld mobile terminal and the RFID payment terminal machine comprise a remote communication mode and a near communication mode. The intelligent RFID payment terminal and the method have the advantages that by establishing a convenient and safe RFID application platform, the convenience and the safety of the electronic payment are improved for the user.