The cash on delivery (COD) model has been increasingly used in the last few years as a method of payment for e-commerce transactions. However, little research has empirically investigated the factors that influence customers’ intention to adopt this method as opposed to traditional electronic payment methods. As a result, this paper aims to predict and test the factors that influence the customer’s intention to adopt the cash on delivery (COD) model for e-commerce transaction payments. A research model of key influencing factors and three hypotheses was developed based on previous conceptual research. To test these hypotheses, a questionnaire was designed to collect the data, which were analysed using the partial least squares (PLS) method in SmartPLS software. The results of this study supported the hypothesis that perceived security, privacy and trust exerted significant influence on the customers’ intention to adopt a COD payment system. The interpretation of the results and implications for practise and future research are also discussed.