This study aims to determine factors can influence the level of acceptance and use of mobile payments based on different groups of people because consumers with different age segments have different desires and abilities in terms of needs and acceptance of new technology. The used research method was a survey through questionnaires which have been distributed to 400 samples from the population of mobile payment users in Indonesia, aged of 18 to 55 years old, and they were analyzed by using SEM-PLS Analysis Techniques. The results of the study showed that the human population did not affect the intended or actual use of mobile payments. Variables that have a significant influence on the acceptance and use of mobile payments in Indonesia are Performance Expectancy, Facilitating Condition, Hedonic Motivation, and Habit. However, there was no significant difference in the strong effect of variables between the old and young age groups.