The study aims to investigate factors that influencing the use of mobile payments during the COVID-19 pandemic in Indonesia. Due to the COVID-19 pandemic, people’s lifestyle has been altered in various ways, including the payment method. Compared to prior years, the use of cashless payment methods has been increased exponentially during the pandemic. Therefore, this study tests several variables to examine the research problem. The tested variables include perceived health risk, government support, promotional benefits, and actual usage as the dependent variable. By applying a convenience sampling technique and PLS SEM approach, this study gathered up to 200 respondents who are active users of mobile payments during the COVID-19 pandemic. The findings of the study show that perceived health risk, government support, facilitating conditions, and payment habits substantially affected behavioral intention, and behavioral intention significantly influenced actual usage. While using mobile payments, it was discovered that promotional benefits have no bearing on behavioral intention.The study aims to investigate factors that influencing the use of mobile payments during the COVID-19 pandemic in Indonesia. Due to the COVID-19 pandemic, people’s lifestyle has been altered in various ways, including the payment method. Compared to prior years, the use of cashless payment methods has been increased exponentially during the pandemic. Therefore, this study tests several variables to examine the research problem. The tested variables include perceived health risk, government support, promotional benefits, and actual usage as the dependent variable. By applying a convenience sampling technique and PLS SEM approach, this study gathered up to 200 respondents who are active users of mobile payments during the COVID-19 pandemic. The findings of the study show that perceived health risk, government support, facilitating conditions, and payment habits substantially affected behavioral intention, and behavioral intention significantly influenced actual usage. While using mobile payments, it was discovered that promotional benefits have no bearing on behavioral intention.