The invention provides a two-dimensional code cashing method of cell phone network. The method comprises the following steps of: translating a cell-phone number of a recipient and a network website for managing settlements into a two-dimensional code; sticking the two-dimensional code in the front of a cashier desk or putting the two-dimensional code on a website of the recipient or displaying the two-dimensional code on a display; holding a cell phone by a payer and aligning to the two-dimensional code by a camera to read the cell-phone number of the recipient; inputting a payment money amount and inputting a confirmation code to transfer money in the cell phone or a bank card of the payer into the cell phone or the bank card of the recipient. Therefore, the cashing work of markets, catering industries, supermarkets, convenience stores and the like can be realized. According to the method provided by the invention, the cashing efficiency can be improved, even the automatic cashing work without cashiers can be realized, so that the cashing settlement cost of trades and retails can be saved. Commodity names, unit prices and addresses of buyers are translated into the two-dimensional codes so that the optimization and the improvement of a sales procedure can be realized and the benefit of enterprises can be improved.