The invention relates to a smart community home gateway-based safety payment method. The smart community home gateway-based safety payment method comprises the following steps: a, wirelessly connecting a home gateway with a terminal through a Zigbee mode and establishing a safety payment center in the home gateway; b, submitting a financial payment enabling request by the terminal and prompting the terminal to input a payment admission password by the home gateway; c, establishing a payment key by the safety payment center by using an SKKE (Symmetric-key Key Establishment) protocol; d, encrypting an MAC (Media Access Control) address of the home gateway by the safety payment center by using a binding key and transmitting to a bank server together with corresponding financial payment account and password; and e, checking the transmitted financial payment account, the password, the decrypted MAC address and the MAC address extracted in the transmitted information by the bank server, and performing payment operation when the financial payment account, the password, the decrypted MAC address and the MAC address extracted in the transmitted information are correspondingly consistent. The smart community home gateway-based safety payment method is convenient in payment operation, and the safety and the reliability of payment are improved.