The invention provides a payment method, a system and an intelligent terminal. The payment method is applied to a first intelligent terminal. The method comprises the steps of inputting a transaction request or receiving a transaction request input and sent from a second intelligent terminal through NFC; executing the transaction request; sending a first transaction response to the second intelligent terminal through NFC, wherein on the condition that the transaction request is received, the execution of the transaction request and the sending of the first transaction response are automatically conducted; automatically generating and storing a transaction flow record. The payment settlement is conducted and completed when the first electronic equipment and the server are in the network on-line state. The settlement and transfer operation of the transaction flow record is conducted when the first intelligent terminal and a server are in the network on-line state. The settlement and transfer operation of the transaction flow record comprises the steps of sending a non-settled transaction flow record to the server for bookkeeping; receiving a settlement result from the server; according to the settlement result, realizing the transfer of funds by a bank or a third-party payment platform. According to the technical scheme of the invention, each of two transaction parties can initiate the transaction, and the payment process is simple and rapid. The user experience is improved.