Method and device for processing a payment are disclosed. The method is performed at a user device and includes: receiving a user instruction for starting a payment through a pre-set payment platform; selecting a respective loading process from a plurality of loading processes for invoking a payment application, wherein: the plurality of loading processes include: a first loading process for invoking the payment application immediately in a foreground process and a second loading process for simulating at least one payment interface of the payment application in the purchase application before loading the payment application in the user device; and presenting a first payment interface at the mobile terminal in response to the user instruction and the selection of the respective loading process.