The invention provides a method and device for realizing secure payment based on a payment confirmation terminal and digital certification technology. The method is characterized in that in the electronic payment transaction, when the subscriber starts electronic payment at the electronic terminals such as the mobile terminal of the mobile phone, the PC terminal on the internet, the telephone terminal and the like, the payment information is transferred to the payment confirmation terminal independent of payment starting equipment via an independent payment confirmation channel, the subscriber checks the payment information through the payment confirmation terminal and submits the payment confirmation information to a payment system through the payment confirmation terminal and the payment confirmation channel, the payment system can only execute payment operation after receiving the payment confirmation information, and the payment confirmation terminal carries out digital signature protection on the confirmation information. The method can effectively prevent hackers from attacking electronic payment and the transaction process, thereby ensuring the payment and fund security of the subscriber.