Convenience and concessions are the main inducements of consumer using mobile payments. But the banks and cooperative stores they support are not extensive enough, and the payment procedures are cumbersome and insensitive, contrary to the original intention of pursuing fast and convenient. Therefore, this study explores the connotation and related aspects of the user's obstacles to the development of mobile payment through the literature, and analyzes the cognitive types of possible obstacles in digital payment by Q method. It is effective for general office workers and students. A total of 26 questionnaires were selected. The final research results summarize three connotations, including: uneasy, lack of demand and conservative habit. It is expected that the research results will bring the foundation for improvement or development of relevant manufacturers.