A convergence of technological advancements, diverse client tastes, and the expansion of e-commerce and the digital economy have all contributed to the move towards online payment methods. Digital payment methods are now more widely available to urban customers because to the proliferation of smartphones and the ubiquitous availability of internet connectivity. Consequently, digital alternatives like mobile wallets, internet banking, contactless cards, and peer-to-peer payment systems have put pressure on traditional payment methods like cash and cheques. It is aimed to assess requirement of digital payment methods on monetary landscape in urban areas. The significance of this paper determines the impact perception and attitude towards digital payment among urban customer and to understand to the barriers and challenges hindering the widespread usage of online payment approaches and to ascertain the aspects influencing the acceptance of digital payments among urban customers.