The current era has witnessed a significant transformation in social and cultural engagement due to Information Communication Technology (ICT). Mobile phones, especially in rural areas, have become highly convenient and widely accepted communication devices, revolutionizing digital engagement. Additionally, the emergence of digital payment services under the Digital India initiative has propelled India towards becoming a cashless economy, offering numerous benefits in the global market. This research focuses on understanding the mobile infrastructure and the usage of mobile wallets in rural West Bengal. In order to accomplish this, a schedule was carried out in the East Midnapur district's rural areas. The major goals were to determine what extent people knew about the digital payment system and to investigate the factors influencing their acceptance or non-adoption. The study revealed that mobile phones have greatly benefited rural communities, and digital payment systems have gained popularity, particularly among the youth. However, challenges such as digital literacy, concerns about fraud and security, and lack of knowledge persist in rural areas. To ensure the successful implementation of e-payment services, the government should organize training programs tailored to rural communities. By addressing these challenges and enhancing digital literacy, the adoption of digital payment systems in rural areas can be further encouraged, contributing to India's progress towards a cashless economy.