Because the Internet environment is booming, electronic commerce (e-commerce) is becoming more acceptable to consumers and merchandise suppliers. In this paper, we propose a secure web-payment protocol for Internet commerce. In our protocol, a novel idea, the “withdrawal-gateway”, is presented. With the ithdrawal-gateway, most of the computations and the data storage for e-cash payments are performed. In our protocol, consumers are able to utilize both portable and public devices to efficiently make payments.