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Mobile payment is an exciting domain, which will rapidly evolve in the years to come. The key to mobile payment acceptance is in the hands of customers. In this paper first some of the major European mobile payment systems are introduced and evaluated base on security, cost , convenes and functionality requirement criteria, then the results of past researches about the customer and merchant adoption of mobile payment systems (mp) are reviewed and barriers and drivers from both customer and merchant view are compared. Here by, this paper tries to find shortcomings in major mp systems and presents the major barriers and drivers to wide spread adoption of mobile payment from both customer and merchant point of view.