The implementation of digital payment methods in rural areas is increasing, As more people become accustomed to these services and as the government and other organizations try to increase financial inclusion, the use of digital payment methods in rural areas is on the rise. This trend is anticipated to continue. Rural areas' access to financial services and financial inclusion could change as a result of digital payments. More consumers are having access to digital payment platforms as a result of the growing use of smartphones and the availability of unlimited data plans from internet service providers. It is important to address the challenges and ensure that Digital payment methods are accessible and easy to use for everyone. To analyze, these trends in rural areas especially in Ramanathapuram District, SWOT analysis is a framework used to evaluate the strengths, weaknesses, opportunities, and threats. The papers discuss the strength and weaknesses of the Digital payment trend specifically in rural areas of Ramanathapuram and help to identify the challenges and opportunities associated with digital payment services with the help of statistical tools, furthermore the paper also offers solutions to overcome challenges and improve the adoption of digital payment services.