Near field communication (NFC) mobile payment system allows users to make payment on goods instantly. There is a significant lack of previous study in Singapore to review the reasons why NFC mobile payment system is underutilized. This research is therefore conducted to investigate key factors contributing to the current low user acceptance of NFC mobile payment system and recommend ways to motivate perpetual consumer usage of the NFC mobile payment system. This study is targeted to all residents in Singapore, regardless to their citizenship. The data was collected within Singapore. Questionnaires were sent to 500 randomly selected respondents. Key user acceptance factors such as performance expectancy, effort expectancy, and social influence, facilitating condition, hedonic motivation, price value and habit are examined. The results of this study show that NFC mobile payment system is still in the early stage of implementation in Singapore. Many consumers are yet to adopt NFC mobile payment system. Some of the Singaporean consumers even do not know much about NFC mobile payment system and they wonder how this payment system may help them in making payment efficiently on mobile devices. As the results of this study also show that Singaporean consumers are more conservative and higher requirements towards the security and efficiency of NFC payment system, practical managerial recommendations have been provided to assist mobile business industry to promote NFC payment system among consumers. This study aims to understand user acceptance into NFC mobile payment in their daily life.