Decision-making can be regarded as the cognitive process resulting in the selection of a belief or a course of action among several alternative possibilities. Every decision-making process produces a final choice that may or may not prompt action. Decision-making is the study of identifying and choosing alternatives based on the values and preferences of the decision maker. Decision-making is one of the central activities of management and is a huge part of any process of implementation. The purposes of the study are analysing factors that influence the consumer decision-making of online payment point service in PT Pos indonesia. The variables analyzed are Personal, Psychological and Social factors. The methods of collecting the data are interview and questionnaires. The types of the data are qualitative and quantitative. The result of t-test indicated that t count of personal (2,000), psychological (5,687) and social factors (6,394) is bigger than t table 1,660 by using two side-test of 5%. The results of this study show that Personal, Psychological and Social factors, have a significant influence on consumer decision-making. Then, the result of Coefficient of Determination (Adjusted R) was 0,657 or 65,7% of Decison-making was influenced by Personal, Psychological and Social. Whereas the other 34,3% was influenced by other variables which were not observed by this study