Abstract: A payment device including an input unit arranged to receive first data taken from a medium and identifying a user who will proceed with a payment for a purchase which he has made, the input unit being arranged to be connected to a first terminal intended to be placed at a point of sale, the first terminal having a data input intended to receive second data concerning the purchase, the first terminal arranged to communicate the first and second data to a second terminal intended to be placed with a financial body which will be responsible for making the payment on behalf of the user, the device also comprising a third terminal placed at a payment management center, the third terminal arranged to manage the communication between the first and second terminals, the third terminal having a first calculation unit arranged to process payments in cash and a second calculation unit arranged to process payments in compensatory value from a non-financial credit accumulated by the user, the input unit (2) provided with