A service processing method and an apparatus, which relate to the communications field, are provided in the present invention. The present invention can solves the problem in the prior art that the capability of service processing in OCS is limited, and the operation is cockamamie, and the resource occupancy of the external system connected with the OCS is high. The technical solution provided in the present invention includes the following steps: a user service request is obtained by an Online Charging System OCS; the user service request is parsed when the OCS is overloaded, and a user attribute and a service attribute, which are set in advance, corresponding to the user service request are obtained ; the charging processing mode corresponding to the user attribute and the service attribute is queried; the offline charging is performed by the OCS for said user service when the charging processing mode is offline charging mode. The technical solution provided by the present invention can be applied in the technical field in which service processing is still needed for mobile phone users even over loading occurs in the OCS.