Mobile payment systems have significantly transformed commercial transactions in urban India, particularly in metropolitan cities like Bengaluru. With the rapid growth of Unified Payments Interface (UPI) platforms such as PhonePe, Google Pay, Paytm, and BHIM, merchants are increasingly integrating digital payment options into their businesses. This study examines merchant perspectives on the adoption and implementation of mobile payment systems in Bengaluru. Using a mixed-methods approach involving surveys and interviews with 150 merchants across retail, food, service, and wholesale sectors, the study identifies key drivers, perceived benefits, challenges, and future expectations. The findings reveal that while merchants recognize operational efficiency, customer convenience, and improved sales tracking, concerns remain regarding transaction fees, security risks, and technical literacy. The study provides recommendations for policymakers, payment providers, and merchants to enhance adoption and usability.