Despite rapid growth in digital payment transactions in urban India, their adoption in Tier-II cities is far from complete. This study looks into how structural trust, infrastructure friction, digital literacy, and behavioral resilience affect the level of depth of digital payment usage and the continuity of digital payment behavior of consumers in a Tier-II city, as well as the role of usage depth in mediating these effects. The primary data were gathered via a structured questionnaire survey of 244 valid respondents using reliability analysis, exploratory factor analysis, Pearson correlation, multiple regression, and bootstrapped mediation analysis. The findings show that structural trust, digital literacy, and behavioral resilience are significant positive predictors of usage depth, but infrastructure friction exhibits a positive but insignificant relationship. Structural trust and behavioral resilience turn out to be the two most important direct determinants of payment continuity, while usage depth fails to significantly mediate these relationships. Results show that in Tier-II regions, it is the confidence and resiliency of digital payment behavior rather than its usage across different transactions that leads to its continuity. Implications of the study from theoretical and managerial perspectives for banks, financial technology companies, and policy makers who aim to expand digital payment adoption beyond metropolitan areas are also elaborated on.