As India is developing towards a digital economy, the majority of transactions are made through online payment systems such as Paytm, Google Pay, PhonePe, and other mobile wallet platforms. The Indian population was mostly unaware of these systems when digitization first arrived. Nonetheless, they eventually began to adopt and utilize these new technologies. Users are able to send and receive payments instantaneously and within a few seconds thanks to sophisticated digital wallet technology. The primary purpose of this research is to uncover the benefits of digital payment systems for retail businesses as well as potential disadvantages. The findings indicate that there is no significant association between client age and their use of digital payment systems. The survey also shows that there is no significant association between consumer age and issues with the digital payment method.