MSME economic activities in Indonesia are recovering after the pandemic era. E-payment systems are more desirable by consumers and producers. E-payment systems like QRIS are increasingly used in business transactions. Therefore, this research aims to analyze the determinants of financial behaviour of MSME owners who used QRIS and examine the determinants of financial literacy of MSME owners who used QRIS. This research method uses purposive sampling and proportional random sampling. This study will utilize a sample size of 204 respondents who are MSME owners who used QRIS from Medan, Makassar, and Bali. Research instrument of this study used a questionnaire that will be distributed to MSME owners. Determining variables that will be used are age, how long the business is running, education level and faith of the business owners. Analysis technique of this study using multiple linear regression with SPSS tools. The results of this study will show how long business running and education give the impact to financial behaviour of MSME who used QRIS on their business. Moreover, age and education level give the impact to financial literacy MSME owners who used QRIS.