The invention provides a money receiving method based on a mobile terminal, and solves a problem of inconvenience in mobile POS machine money receiving via existing mobile terminals. The mobile terminal comprises a touch screen which monitors a touch event from a user. The method comprises the steps that trigger of a computation button event is monitored; if trigger of the computation button event is acquired, the page of the computation button event is entered; a button event from the page of the computation button event is monitored continuously; when the button event of the page of the computation event is computation completion, a current text message is read, and the process returns to the page of a money receiving event; and the current text message acts as the text message of the money receiving event and money receiving is performed. An application program interface in the hand of a commercial tenant does not need to be switched and money receiving amount does not need to be inputted again so that use is substantially convenient and flexible. Besides, the money receiving method is suitable for different hand-held mobile terminals of various different commercial tenants so that universality of the whole application is higher.