Abstract—The purpose of this research was to study the factors of characteristic of business, website quality and trust affected intention to use electronic payment systems for online purchasing. This survey research used questionnaire as a tool to collect the data of 300 customers who purchased online products and used an electronic payment system. The descriptive statistics and multiple regression analysis were used to analyze data. The results revealed that customers had a good opinion towards the characteristic of the business and website quality. However, they have a moderate opinion towards trust and intention to repurchase. In addition, the characteristics of the business affected the purchase intention the most, followed by website quality and the trust with statistical significance at 0.05 level. For particular, the terms of reputation, communication, information quality, perceived risk and word of mouth affected the intention to use the electronic payment system. In contrast, the terms of size, system quality and service quality did not affect intention to use an electronic payment system. Keywords—Electronic payment, intention, online purchasing, trust. I. INTRODUCTION HE current global economy has developed into a modern digital society. The advancement of Internet technology as a rapidly borderless communication tool with a lower cost is continuous. The Internet has played an important role in human life more and more each day. Thailand is one of the countries, where the number of Internet users has been increasing steadily. People began using the Internet to carry out various activities including data searching, communicating and product purchasing. In 2015, the number of Internet users was over 38 million people representing 56% of the total population [1]. The business sector recognizes the new commercial channel that is gaining popularity from consumers since starting e-commerce has lower operating costs compared to the traditional store. This new trend of doing business is suitable for investors with limited funds and entrepreneurs who are starting their businesses. Thus, electronic commerce becomes the channel that businesses develop in order to meet customers' needs fully, where buyers and sellers can carry out business transactions through electronic devices of all types such as the computers, tablets, cell phones, etc. A survey of the Thailand Electronic Commerce value in the year 2015 of Electronic Transactions Development Agency [1], found that in 2014 the value of e-commerce totaled 58.1 Wanida Suwunniponth, Assistant Professor Dr., is with the Faculty of Management Sciences, Suan Sunandha Rajabhat University, Bangkok, Thailand (phone: 6621601499, fax: 6621601490; e-mail: wanida.su@ssru.ac.th). thousand US dollars (2,033,493.36 baht) and in 2015 the value of e-commerce was 60.2 thousand US dollars (2,107,692.88 baht), an increase of 3.65%. The key factors to support the high business value to e-commerce in Thailand compared to other countries in the same region, was the introduction of the 3G and 4G mobile network, and the rapid development of the telecommunications network infrastructure. As a result, the Internet came into the daily lives of more people along with the driving growth of e-commerce businesses. Also, the prices of PC and mobile smartphone are lower as compare to the past. Today, the rate of online users is rapidly increasing to over 30 million. As a result, the entrepreneurs in Thailand recognize the importance of online business and increase investment in e-commerce. The rapid expansion of trade through electronic commerce and technological progress are the factors that result in the constantly evolving payment services and led to the rapid development of payment systems. As a result, consumers have the opportunity to use a new payment system which is diverse and more complex. The service is quick and more agile with more new service providers, as well as bringing the electronic payment system, as a money transfer, through electronic means such as fax, Internet, computer, telecommunications, mobile phones, etc. Although traditional payment methods, such as via a credit or debit cards continues to be the main channel for online payment, it is expected that the proportion of new payment channels such as real-time transfer or via mobile phones will increase globally from 43% in 2012 to 59% in 2017. This will create business opportunities for new payment service providers in the future. In addition, a survey of the payment services [1] found that operators of retail and wholesale trade give priority to and provide more payment online service than ever before, and more than any other industry at 93.27%. The most popular payment channel are the e-banking services which are payments through Internet banking, mobile banking, and an ATM, which accounts for 54.25%, followed by payments through credit cards and debit cards (22.39%) and payment through a mobile payment aggregator such as M-Pay, True Money, Paysbuy, 2C2P, etc. (14.53%), respectively. The continued growth of online businesses has led to the rise of online payment system as well. Entrepreneurs and credit card business owners realize that the increase in the number of online payments can increase the efficiency of business management and reduce the use of paper. Studies in the past have found that there are several factors that affect the intention to use the payment system such as trust [2], the perceived risk affects intention or determination in using an Customers’ Intention to Use Electronic Payment System for Purchasing Wanida Suwunniponth T World Academy of Science, Engineering and Technology International Journal of Economics and Management Engineering Vol:10, No:12, 2016 3915 International Scholarly and Scientific Research & Innovation 10(12) 2016 scholar.waset.org/1307-6892/10006099 International Science Index, Economics and Management Engineering Vol:10, No:12, 2016 waset.org/Publication/10006099