After the pandemic, usage of digital platforms has increased. The reason behind the fast adoption of digital payment is the penetration of smartphones, affordable internet connection, and existing applications that are cost-free digital payment applications. there is no fee levied for the bank-to-bank and utility payment transactions. This study focuses on the utilisation of cost-free digital payment and user reaction toward digital payment applications. This research employed emojis to analyse the user reaction, the finding indicates that most of the users using third-party payment applications, and users are happy with the service provided by cost-free digital payment applications. Occupation and age are the most influencing factor toward the utilisation of digital payment. The study concluded that most of the users are utilising the thirdparty application and their emojis reaction towards security is frustration and disappointment, therefore, this study emphasises building trust among the users would lead to a paper-cashless society.