Abstract: A method and an apparatus of payment processing, a transaction method and a mobile device are disclosed. The payment processing method includes collecting an audio signal; obtaining a graphic code, wherein the graphic code is generated based on a predetermined account and a number recognized from the audio signal, the number being used for indicating an amount to be paid and the predetermined account being an account that is to have a payment activity; and displaying the graphic code, wherein the graphic code is used for triggering the payment activity with the predetermined account to complete a payment of the amount corresponding to the number upon being scanned. The present disclosure solves the technical problems of a relatively low efficiency of offline transaction processes caused by the need of manual entry of a payment account for each offline payment.