This study applies the Technology Acceptance Model to examine factors such as perceived usefulness and perceived ease of use on consumer willingness to use mobile payment services. This study also includes exploratory research on external factors – convenience, security, new technology – that affect mobile payment acceptance and use. The results show that although awareness of mobile payment services is reasonably high, only a small number of New Zealand consumers actually use m-payments. However, consumers acknowledge that mobile payment services can be useful, easy to use and convenient.