Abstract: A method and apparatus for a payment served based on a card of a purchaser instead of a wire or wireless card inquiry apparatus or a payment gateway program owned and managed by a merchant. The method includes confirming merchandising member store information provided after a merchant registers on a finance company for a member store to generate and provide merchandising member store identification information. Upon receipt of a transaction request made by a purchaser receiving a transaction bar code generated to include the merchandising member store identification information and detailed transaction information using a financial transaction card of the purchaser and the transaction bar code, the transaction bar code is read out to collect the merchandising member store identification information and then verify member store information of the corresponding merchant. An approval of a transaction made by the purchaser for the merchant is requested to a finance company.