Abstract: The invention pertains to a payment method by prepaid bankcard provided by a financial intermediary of a transaction with a merchant including the recharging steps of modifying on the management server the information relative to the balance available to the holder of the bankcard, wherein the recharging is implemented via a prepaid coupon with which is associated a unique identification number and to which corresponds a predefined amount; the management server moreover includes a database of unique coupon numbers as well as the validity status and the value corresponding to the coupons; and in which the recharging steps include a step of transmission of the coupon identifier and the bankcard identifier to the management server; a step of verification by the management server of the validity of the received coupon identifier; a step of determination of the numeric value of the amount associated with the coupon; a step of modification of the validity status of the consumed coupon; and a step of updating the ac