Method for processing transactional data representing a payment between a user and a merchant, the method being implemented by an electronic device for processing transactions situated within a communications network, said electronic device interfacing a merchant server and a payment server characterized in that it comprises: - A step for receiving a payment request from a communication terminal of the user, - A step for verifying a presence of a transaction-processing component of the user's communications terminal, - A step for transmitting, by said communication terminal, a piece of data indicating whether or not the transaction-processing component is present in the communications terminal comprising an identifier of said transaction-processing component of the user's communications terminal, and When said transaction-processing component is present: - a step for receiving a request for processing a transaction (ReqTT) coming from said merchant server (SerMar), said request for processing comprising an identifier of said merchant server (SerMar) and said identifier of said transaction-processing component of the user's communications terminal; - a step for obtaining a piece of data representing a payment parameter (ParPai) associated with said merchant server (SerMar) as a function of said identifier of the merchant server; - a step for transmitting a request for processing payment (ReqTrtPai) to said payment server (SerPai) comprising the identifier of said transaction-processing component, - a step for transmitting to said transaction-processing component of the user's communications terminal of configuration data comprising a piece of data representing a payment parameter (ParPai) associated with said merchant server (SerMar) and of a piece of data representing parameters for connection to the payment server (SerPai), - a step of performing the payment transaction between the transaction-processing component of the communication terminal and the payment server (SerPai), as a function of the piece of data received during the transmission step, comprising a verification step that the transaction-processing component that wishes to validate the transaction corresponds to the transaction-processing component previously identified with the payment server. - A step for receiving a payment request from a communication terminal of the user, - A step for verifying a presence of a transaction-processing component of the user's communications terminal, - A step for transmitting, by said communication terminal, a piece of data indicating whether or not the transaction-processing component is present in the communications terminal comprising an identifier of said transaction-processing component of the user's communications terminal, and - a step for receiving a request for processing a transaction (ReqTT) coming from said merchant server (SerMar), said request for processing comprising an identifier of said merchant server (SerMar) and said identifier of said transaction-processing component of the user's communications terminal; - a step for obtaining a piece of data representing a payment parameter (ParPai) associated with said merchant server (SerMar) as a function of said identifier of the merchant server; - a step for transmitting a request for processing payment (ReqTrtPai) to said payment server (SerPai) comprising the identifier of said transaction-processing component, - a step for transmitting to said transaction-processing component of the user's communications terminal of configuration data comprising a piece of data representing a payment parameter (ParPai) associated with said merchant server (SerMar) and of a piece of data representing parameters for connection to the payment server (SerPai), - a step of performing the payment transaction between the transaction-processing component of the communication terminal and the payment server (SerPai), as a function of the piece of data received during the transmission step, comprising a verification step that the transaction-processing component that wishes to validate the transaction corresponds to the transaction-processing component previously identified with the payment server.