Since the use of Mobile Payment is increasing from the past few years, the issue of the factors that influence the use of Mobile Payments is not to be amiss. This study aims to determine the factors that significantly influence the users' usage of mobile payment instruments. The research was conducted by using an online survey questionnaire and distributed among the respected 414 respondents. The factors that were studied in this research are the influence of performance expectancy, effort expectancy, social influence, trust and perceived security towards the behavioral intention of mobile payment usage. This study uses the quantitative method with Generation Z as the unit of analysis while the targeted population would be the respondents from Bekasi city. Based on the research, two of the factors have a significant relationship towards the behavioral intention to use the mobile payment instrument. In addition, the most influential factor from the highest to lowest would be perceived security and social influence. In conclusion the perceived security variable is the most influential variable.