The invention relates to a payment method and device, a computer readable storage medium and computer equipment, and the method comprises the steps: responding to a payment operation request, and calling a biological payment verification interface; awakening a corresponding biological payment verification program through the biological payment verification interface, and obtaining and verifying anexternally input account identifier and biological characteristics; when the verification is passed, sending a payment character sequence acquisition request to a payment server; receiving a generalpayment character sequence fed back by the payment server, wherein the general payment character sequence does not set a payment value; and executing payment operation according to the universal payment character sequence. Through the above method, the terminal can obtain the universal payment character sequence for payment from the payment server only when passing the biological verification, theprocess does not depend on the network condition of a merchant and the processing time of ordering, and the payment time can be reduced.