The invention provides a parking consumption method, a system and a self-service terminal with a payment function. The parking consumption method includes a parking space display step, a transaction service step, and a reminder step. The beneficial effect of the present invention is that the present invention provides a self-service terminal machine with simple structure and simple operation, which not only has a payment function, but also has a novel structure, powerful and intelligent functions, quick and easy use, and is safe and reliable. Moreover, it also has a system based on the cloud service platform, which can ensure the safety and reliability of system communication, simplify the system structure, and increase the stability of the system.