Cashless payment device with prepaid credit contains a block for storage of data about the of current credit amount and is located on located on a smart card (3) in a removable memory card (1) located in a mobile communication device (4). The smart card chip (3) is connected to a microcontroller (6) to perform the charging application in the memory card (1). ). In case of contactless top-up of electronic money on the pre-paid card, a message, preferably in the form of SMS, with the information about prepared money for the increase of the current credit is sent from the host (2) to the corresponding mobile communication device (4) according to the database of assigned numbers. The authorization request cryptogram, especially in the form of ARQC, is generated in the block on the payment device and the block is switched into the IDLE mode, in which the same authorization request cryptogram is generated permanently until the corresponding authorization response cryptogram is received, especially in the form of ARPC, which is created in the host (2) and also contains a command to change or maintain the current credit amount.
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