The invention discloses a mobile payment method and system based on a router. The method comprises the steps that firstly, a mobile terminal is connected with the router special for payment in a Wi-Fi or Bluetooth mode; secondly, the mobile terminal logs into the router special for the payment; thirdly, the mobile terminal sends the payment information and the product information to the router special for the payment; fourthly, the router special for the payment encrypts the payment information and sends the encrypted payment information to an MIS server; fifthly, the MIS server sends the encrypted payment information to a payment operator server through a DDN special line; sixthly, the payment operator server decrypts and processes the payment information and returns the operation result to the MIS server; seventhly, the MIS server receives the operation result and sends transaction finish information to a counter terminal, and the router special for the payment sends the transaction successful information to the mobile terminal. The invention discloses the mobile payment system based on the router.