Systematically combing and deeply understanding users’ innovation resistance behavior of facial recognition payment is of positive significance to the product innovation and customer relationship management of service providers. Through integrating innovation resistance theory, privacy calculus theory, and Antecedents-Privacy Concerns-Outcomes model, this article proposed a research model. Research data (N=494) is collected by questionnaire and hypotheses were analyzed by structural equation modeling. The results show that facial privacy concerns positively influence perceived payment risks and negatively influence perceived payment benefits in three behaviors. Additionally, perceived payment risks positively influence opposition and rejection, while perceived payment benefits negatively influence postponement and opposition. As for the moderation effect, gender and platform trust are successively tested throughout the process, and the effect is various in different resistance behaviors.