The invention discloses a bus-mounted payment terminal, and relates to the technical field of mobile payment. The bus-mounted payment terminal comprises a shell, a processor, a WM8978 voice circuit, apower amplifier circuit, a radio frequency circuit, a two-dimensional code module, a 4G communication circuit, a power supply circuit, a reset circuit and a display circuit. A card swiping area, a display screen, keys and a code scanning area are fixedly connected to one surface of the shell in sequence from top to bottom. One side of the shell is fixedly connected with a loudspeaker. A serial port and a USB are respectively formed in one surface of the shell. One surface of the shell is fixedly connected with an auxiliary display screen, and the auxiliary display screen is located between the serial port and the USB. One surface of the shell is fixedly connected with a card bin, a first PASM card, a second PASM card and a third PASM card are fixedly connected to one surface of the card bin, and a communication card is fixedly connected to one surface of the card bin. According to the invention, multiple mobile payment modes are integrated, off-line ODA transaction is achieved, mobilepayment is more convenient, the transaction speed is higher, and the sensitivity is higher.