Abstract: A method and apparatus for payment with mobile device at point of sale (POS) terminal are proposed, where said apparatus is comprised of a microprocessor which connects to POS terminal as a payment console and communicates with said POS terminal via protocols developed for payment consoles; said apparatus also has an additional connection to internet via which the apparatus communicates with services supporting its function. The mobile device operated by a user captures a public token exposed by said POS terminal and communicates with the supporting internet services, which validate said mobile device, authenticate the mobile device owner, validate the POS terminal, and establish link between said mobile device and said apparatus.