Pay later application systems are now starting to be used as a payment method for bailouts from related application companies. Pay later is still within the scope of online flights and hotel ticket booking services that focus on domestic travel by Traveloka, and GoJek as one of the online transportation companies in Indonesia. However, pay later is also offering by OVO as a smart application company that provides us with payment service and online transactions. How do customers respond to pay later facilities in two different types of quick credit or loans on their transactions, two different generations, and experiences? This study to look for factors that influence the acceptance of their customers in Indonesia. Base on the second generation of Unified Theory Acceptance and Use of Technology as a theoretical basis to find the factors using SEM Partial Least Square. Research model on this study constructs of performance expectancy, effort expectancy, social influences, facilitating condition as factors of pay later intention.  Multi-Group Analysis applies to the type of companies, experience, and type of generation in the model. There are 1.201 urban workers as a sample in Jabodetabek (Jakarta Capital City and around it) as a representation of urban features in Indonesia.