This study takes human behavior as research subject to investigate the behavioral logic of mobile payment user experience. The study firstly analyzes the scope, characteristics, and importance of user behavior in experience design of mobile payment. Secondly, the study explores the elements and laws of user behavior that affect the experience in the process of using the product, and then constructs the mobile payment user experience model (PPE). Thirdly, the study applies a PPE model to evaluate the Alipay’s user experience, and then optimizes the model’s interaction design according to the evaluation results. Finally, the effectiveness of the PPE model is evaluated again. In addition to the interaction interface design, the PPE model involves many dimensions that require the cooperation of different stakeholders to promote the optimization of user experience. The results show that the PPE model is an effective way to optimize the user experience of mobile payment.