An intelligent credit card payment system comprising: an intelligent terminal of an affiliated store that inputs transaction information including card information, product price, and payment information according to an integrated circuit, IC, credit card payment of a purchaser, and automatically sets and performs a payment processing network through a value added network, VAN, linkage or a payment gateway, PG, linkage, wherein the PG linkage is configured such that a PG company as a representative makes a contract with a credit card company, executes a credit card payment and settlement as an agent, and receives a commission from sub-shopping malls, affiliated stores, by using the PG linkage and the VAN linkage is configured such that each of the affiliated stores is directly connected to the credit card company by using VAN linkage through each terminal; a VAN network for processing the transaction information inputted according to the VAN linkage of the intelligent terminal by encrypting the transaction information to VAN approval information; a PG network processing the transaction information inputted according to the PG linkage of the intelligent terminal by encrypting the transaction information to PG approval information, wherein a duplex payment structure is configured according to setting of the intelligent terminal in which the intelligent terminal is automatically routed upon approval rejection due to an error relevant to the affiliated store during processing a payment subject to the VAN linkage and displays a switching to a payment processing through the PG linkage, and the VAN approval information is converted to the PG approval information, so that a payment processing subject to the VAN linkage is switched to a payment processing subject to the PG linkage, and wherein a payment through the VAN linkage, a payment through the PG linkage, or a combined payment processed by selectively switching the VAN linkage or the PG linkage is selected in an affiliated store product sales screen and a credit card cancellation screen outputted on a display of the intelligent terminal. an intelligent terminal of an affiliated store that inputs transaction information including card information, product price, and payment information according to an integrated circuit, IC, credit card payment of a purchaser, and automatically sets and performs a payment processing network through a value added network, VAN, linkage or a payment gateway, PG, linkage, wherein the PG linkage is configured such that a PG company as a representative makes a contract with a credit card company, executes a credit card payment and settlement as an agent, and receives a commission from sub-shopping malls, affiliated stores, by using the PG linkage and the VAN linkage is configured such that each of the affiliated stores is directly connected to the credit card company by using VAN linkage through each terminal; a VAN network for processing the transaction information inputted according to the VAN linkage of the intelligent terminal by encrypting the transaction information to VAN approval information; a PG network processing the transaction information inputted according to the PG linkage of the intelligent terminal by encrypting the transaction information to PG approval information, wherein a duplex payment structure is configured according to setting of the intelligent terminal in which the intelligent terminal is automatically routed upon approval rejection due to an error relevant to the affiliated store during processing a payment subject to the VAN linkage and displays a switching to a payment processing through the PG linkage, and the VAN approval information is converted to the PG approval information, so that a payment processing subject to the VAN linkage is switched to a payment processing subject to the PG linkage, and wherein a payment through the VAN linkage, a payment through the PG linkage, or a combined payment processed by selectively switching the VAN linkage or the PG linkage is selected in an affiliated store product sales screen and a credit card cancellation screen outputted on a display of the intelligent terminal.