With the rapid development in recent years, Virtual Reality (VR) has been one of the hottest new technologies in the world. VR hardware has become more mature, and VR apps has been widely used in various fields such as entertainment, gaming and education. But there is no good VR payment solution in current payment domain. Based on virtual reality payment research, this paper uses token technology to restore payment data into security module embedded in VR devices, and constructs immersive VR payment scene by using 3D modeling technology, to provide a safe, convenient and open VR payment solution. The results show that the design solves the problem of the bad interaction and low security in current VR payment, and it effectively increases the payment success rate.