The present invention relates to a payment method. A user terminal sends a request for ordering a good to a vendor-terminal. The vendor-terminal sends a shipping order, to a delivery company-terminal of a deliverer. The user-terminal confirms the acceptance of the ordered goods by creating an approval for payment destined to the vendor terminal and forwards the approval towards the vendor terminal. The vendor-terminal upon reception of the approval, requests money required for paying for the goods from the bank account of the buyer by forwarding the approval towards the retailer terminal. The retailer forwards a proof of transferring the money from the bank account of the buyer to a bank account of the vendor in response to receipt of the approval. The vendor terminal, upon reception of the proof of transferring the money, notifies the delivery company terminal of acceptance of the goods and the successful payment.