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Digital payment systems have become an essential part of modern business operations, especially for small scale businesses. The research focuses on understanding the level of awareness, adoption, and usage of digital payment systems such as UPI, mobile wallets, debit cards, and internet banking among small scale business owners. The study also examines how digital payments influence business performance in terms of sales growth, customer convenience, accounting accuracy, and operational efficiency. Primary data were collected from small scale business owners in Shivamaggoa district using a structured questionnaire, while secondary data were gathered from journals, reports, and websites. Simple percentage analysis and tables were used for data interpretation. The findings reveal that digital payments have significantly improved transaction speed, reduced cash handling risks, and enhanced customer satisfaction. However, challenges such as security concerns, technical issues, and lack of digital literacy still affect full adoption. The study concludes that digital payments play a crucial role in strengthening small scale businesses and suggests the need for proper training, awareness programs, and improved digital infrastructure to maximize their benefits. The adoption of these systems helps small businesses improve financial management, reduce operational costs, and increase sales opportunities. However, small business owners may also face challenges such as cybersecurity threats, technological barriers, and transaction fees. Overall, digital payment systems play a significant role in enhancing the efficiency growth, and competitiveness of small businesses in the digital economy.