This study explores several factors that can influence mobile payment adoption by small and medium enterprises (SMEs) as they relate to vendors, sellers, and buyers without face-to-face physical contact in Indonesia. Some constructs may influence this business, including financial literacy, social influence, technology security, perceived expectancy, facility condition, and price value, which are used as independent variables. This study employs a multi-regression linear approach, including hypothesis tests. A total of 250 respondents were reached through Google-form-driven questionnaires. The results found a statistically significant effect of FL, SI, TS, and PV influence on adoption and use. PE and PC have no significant effect. Then, SI, PV, and Atu significantly affect revenue. However, FL, TS, PE, and FC are not significant. This study contributes to the determinants of the adoption of mobile payments, as well as the implementation of revenues and an exhaustive strategy to ensure the SMEs’ activities are robust and growing continuously. Some factors are influencing mobile payments; it might be insightful to develop convenient discretion that will guide providers to be more professional and responsible in digital payment services.