Online payment system is an electronic medium through which consumers make e-commerce transactions. Digitalization is most important aspect for the future economy. In India the development of the electronic payment is anticipated to be done by e-payment service providers, effective banking regulatory mechanism and experience of consumers and these are also growth enhancing factors for online payment in India. Consumers have medium awareness on the e-payment systems and the importance of these systems has been risen up to a greater extent in the past few years the past few years. Knowing about these systems will make the consumers to opt these payment systems with ease and efficient. The present study focuses on Urban and Rural consumers perception towards e-payment systems used in current business world.

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Keywords: Digital Currencies, e-Payments, Online Payment, Perception, e-Commerce.