This study used a descriptive design. The aims of this study are 1) to study the user behavior between the user of TrueMoney Wallet and rabbit Line Pay providers towards the electronic-payment service (E-Wallet) and 2) to study factors affecting user behavior. The data was conducted by questionnaire from 400 participants who lives or work in Bangkok. In the data analysis, the descriptive analysis was utilized, consisting of frequency distribution, percentage, and mean while Chi-square test was used to examine the hypothesis at 0.10, 0.05 and 0.01 statistical significance. The results of this study found that the individual factors (gender, occupation and reference group) have a significant relationship with the selection of e-wallet services. Furthermore, education, occupation, motivation and reference group are remarkably related to the reason for choosing e-wallet providers. The frequency of use behavior and the amount of service payments via e-wallet per month correlate with gender, age, and monthly income. However, the marketing mix factors (price place promotion and process) plays a crucial role in choosing e-wallet services while product price promotion people, and physical evidence and presentation relate to the reason for selecting e-wallet services. The usage behavior of frequency and the amount of service payment via e-wallet per monthly correlate with product price and process.