A place of business is usually owned and operated by a shop but occasionally owned and functioned by a builder or by somebody other than a seller in which the product is sold principally to final customers. Electronic retail payment has been intended to help separate customers and corporations themselves in eliminating or plummeting approximately the glitches inherent in the settlement and payment process. Retail payments are characteristically expenditures between consumers, businesses, and community authorities. They can be usual buyer dealings. Mobile payment is a method of gainful that holds a portable expedient such as a mobile phone, a smart watch. These strategies capacity run portable folder apps or peer-to-peer mobile imbursement apps. The main aim of the study is socio-demographic factors that affect user attitudes toward Mobile Payment and their types of retail stores. To identify the Usage of Electronic Payment Methods by Customers and the benefits of mobile payments. To overcome the Challenges in Mobile Payments by the users in the stores.

Keywords: Mobile, Payments, Digital, Smart Watch, Consumer.