A milestone in e-payment through online is secured cloud environment. The trust of transaction lies in context in which it is started and completed. We have proposed a fault tolerant environment for e-payment at merchant node. A light weight Byzantine algorithm is implemented to make the process of transaction reliable. The user can search the bank details in a distributed environment in source ordering mode. A single user can access their bank accounts in different providers using a universal pay identity number. The proposed prototype is a composition of web services provided by different bank services. For secured communication the message are encrypted with the sophisticated RSA algorithm. For reliability we deployed Byzantine fault tolerance environment. The application may provide the commercial users an easy and secured mode of e-payment. It also reduces the overhead for infrastructure maintenance when deployed as Infrastructure as Service (IaaS) in cloud.