Health protocols during a pandemic have required that contactless activities be carried out to prevent the spread of the pandemic. In the field of payment transactions, many consumers have started using electronic payments during the COVID-19 outbreak. This study reveals the factors that encourage consumers to want to use electronic payments, namely risk perceptions, usage intentions, perceived benefits, additional features, consumer loyalty, quality services, perceptions of the usefulness of e-wallet electronic payments. This research method uses quantitative methods using Smartpls. Through a questionnaire, this study obtained answers from 200 respondents who answered completely. The results showed that perceived benefits had a positive and significant effect on consumer loyalty, perceived benefits had a positive and significant effect on intentions to use e-wallet, technical support had no positive and significant effect on intentions to use e-wallet, additional features had a positive and significant effect on intentions to use e-wallet, additional positive and significant effect on consumer loyalty and intention to use e-wallet payment has a positive and significant effect on consumer loyalty.