The invention discloses a fast payment method, apparatus and system. The method comprises the following steps: receiving a verification code generation request sent by a PC end, generating a first verification code, obtaining a prestored first secret key corresponding to user information, and generating a second verification code by encrypting the first verification code through the first secret key; and sending a first data packet to a mobile terminal corresponding to the user information, receiving a second data packet which is forwarded by the mobile terminal, is generated by a security module and carries a third verification code, comparing the first verification code with the third verification code, and when a comparison result is success, completing payment. According to the payment method disclosed by the invention, even if the second verification code is obtained by lawless persons in the process, the lawless persons cannot obtain a second secret key needed for decrypting the second verification code and cannot obtain the third verification code for completing the payment, and thus the problem of low security in the prior art is solved.