The with development of smartphones, technology has played a greater role in recent years, drastically altering how we trade in daily life. Now that all payments and transactions take place online, life has gotten more simpler. This accelerated the development of the UPI platform. The goal of the current study is to gauge user satisfaction and continuance intentions for UPI. This study develops a research model using personal innovativeness and pace of innovation to predict the continuance intention toward UPI based on the Unified theory of acceptance and use of technology (UTAUT). We conduct an online survey to collect data from participants who have used UPI. The research model is tested in this study utilising a partial least squares structural equation model with 651 valid replies. According to our findings, satisfaction with UPI serves as a mediator between antecedents and continuing intentions by positively affecting them. This paper explores theoretical implications for the UTAUT and offers an insight of how to manage UPI in India on a practical level.