This study investigates the transition in digital payment preferences across diverse demographics after the global health crisis, focusing on understanding the determinants affecting the adoption of digital payment methods and user confidence. An analytical cross-sectional survey involving a sample of 567 participants from India was executed, and the collected data was subjected to examination utilising partial least squares structural equation modelling (PLS-SEM). The selection of participants was carried out through purposive sampling. The results indicate that while factors like user-friendly functionalities, feedback mechanisms, and time efficiency are crucial, age plays a significant role in shaping user perception, trust, and willingness to embrace digital payment technologies. These findings highlight the necessity for businesses to prioritise strategies that increase user understanding, cultivate trust, and improve usability to leverage the growing market for digital payment solutions in the post-pandemic period.