Mobile payments are a convenient way to pay for goods and services using a mobile device. These payments can be made using a variety of wireless communication technologies. Mobile payments can be used for numerous purposes like in retail stores, restaurants, and transportation. They can also be used to make online payments. The benefits of mobile payments are convenience, security, andflexibility, etc. Digital payments have become increasingly popular in India in recent years. However, there are still a number of challenges that need to be addressed in order to achieve widespread adoption. The objective of this paper was to identify various challenges that are acting as barriers in the widespread adoption of digital payments. To prepare this paper the information from secondary sources was taken and then evaluated and analyzed. On the basis of this study, various reasons came out due to which the rate of adoption of digital payment is low. These reasons are – low digital literacy in India, especially in rural India. Lack of proper infrastructure like the supply of electricity in remotest area, poor connectivity, low quality of internet. Language problems because most of the communications are done in the English language. Online fraud, cyber-crime, lack of willingness to digital payment adoption due to the proper maintenance of records of transactions, and fear of tax liabilities. Lack of stringent laws for disputes in digital payments etc. these factors in combination works are barriers to digital payment adoption in India.India has made significant technological advancements in the field of digital payments, but the future of these transactions depends on further refining a safe and secure user experience. Despite these challenges, there are a number of reasons to be optimistic about the future of digital payments in India. The government is supportive of digital payments, and there is a growing number of businesses that accept them. As more people become aware of the benefits of digital payments, and as the infrastructure improves, it is likely that digital payments will become even more popular in India in the years to come.

Keywords: Digital, Payments, Adoption, Internet, Mobile.