Payment terminal using mobile communication devices, particularly mobile phone, method for cashless payment

A payment terminal that uses a mobile communication device (4), such as a mobile phone, located on a removable memory card (1), for example, a microSD card, which is inserted into a slot for additional hardware, for example, a memory slot. The application of the POS payment terminal is executed on a removable memory card (1) that contains at least one payment card. The payment card unit (7) with the payment card application is located in the protected part of the memory, separated from the configuration data unit of the terminal (6). The configuration data of the selected terminal identity and the payment card data are found in separate parts of the protected element or in totally independent protected elements, or can be located in the merchant's Sales Device, for example, within the ICC or SAM card.