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Recently we introduced an endorsement-based mobile payment system (MPS) to allow people in a disaster area to do electronic transactions for buying necessities. However, our MPS may cause heavy communication overhead for merchants, due to the fact that a merchant may do excessive communication to search for enough endorsers to endorse a transaction. To reduce merchant communication overhead and also the time for completing a transaction, we propose in this paper an enhanced mobile payment system using endorsement delegation. Specifically, primary endorsers to a customer in our new mobile payment system delegate their endorsement capabilities to the secondary endorsers such that the merchant can send the billing message directly to the primary and secondary endorsers at the same time, thus reducing merchant communication used to search for the endorsers. By simulation, we evaluate the usability of our proposed payment system in a disaster area in terms of successful transaction completion ratio, frequency of breakage of event chain and merchant communication overhead. Our simulation results show that our endorsement mobile payment system is useful in disaster areas. The newly introduced endorsement delegation mechanism achieves better transaction completion ratio with an increase of 11% to 52% when compared with our previous mobile payment system.