The world started the 4th industrial revolution based on technology in the IT field, and it is continuously developing. New technologies such as big data, Internet of Things, and health care have been applied to various fields. In particular, the fintech industry where new technologies are applied is undergoing rapid change. With the start of the 4th Industrial Revolution, new technologies began to be applied to various fields. Among them, face recognition technology was applied in fields such as customs, attendance, and payment, and the convenience was greatly improved. Today, the financial industry uses face recognition technology to start the era of face recognition payment services. This paper conducts an empirical analysis was conducted on how the characteristics of the face recognition payment system and innovation resistance affect the intention to use. Based on previous studies, face recognition payment system has the characteristics of convenience, reliability, security and non-contact. The collected data were analyzed by Smart PLS 2.0 using structural equations. The results of the study are as follows. First, among the features of the face recognition payment system, convenience, reliability and security have a negative effect on user innovation resistance. Second, among the features of the face recognition payment system, non-contact has a positive impact on user innovation resistance. Third, user innovation resistance has a negative effect on the intention to use.