Cellular-phone payment system is a new innovating technology emerged in Korea since 2001. Previous studies concerning the electronic payment system are usually about the payment process itself, so they focused on the matter such as security or the robustness of the process. The study from the angle of behavioral science seldom exists. This article identifies which characteristic of the cellular-phone payment service affects to the user status (user, non users). To do this, we used perceptual 4 characteristics in Rogers Technology Acceptance Model with one additional characteristic-security.