To provide a payment system and a payment method capable of paying the price for eating-drinking and the purchase of a commodity by a cellular phone.

In this payment system and this payment method, a credit company information center terminal 10 and an order-account terminal 20 of a retail store and a restaurant are connected by a telecommunication line 40 to transmit and receive account information, and the credit company information center terminal 10 and the cellular phone 30 of a user are connected by a telephone line 50 to transmit and receive payment information, and the eating- drinking and the purchase of the commodity can be performed without having cash and a credit card, and flexible payment processing can be performed according to the behavior content and time of the user.