Development of smart digital payment technologies at an incredibly fast pace has redefined the way consumers feel about it and altered financial ecosystem, especially in the post-COVID-19 world. Although this field has grown somewhat, adoption research is not systematic and not synthesized. In this study, this gap is bridged by using systematic literature review (SLR) on digital payment acceptance. Adopting PRISMA-based guidelines, the review combines quantitative bibliometric study on adopting patterns with qualitative studies performed based on their themes to capture both theoretical and practical trends that shape adoption. It has been built on classical adoption models such as the Technology Acceptance Model (TAM), the Unified Theory of Acceptance and Use of Technology (UTAUT), and the Diffusion of Innovation Theory (DOI). Three years of IEEE Xplore, ScienceDirect, MDPI, ResearchGate and Google Scholar were searched using snowball sampling and the Boolean logic of search. Among the main trends to note, there is an increase in the importance of mobile wallets, contactless payments, AI-based fraud protection, and digital payment cross-sector integration. Adoption drivers, barriers, and emerging trajectories are discussed in the findings as they are brought up-to-date on smart payment technologies. The research value is in the advancement of the future fintech development, policy creation, and consumer confidence plans.