Digital transformation in Indonesia’s payment landscape has accelerated the adoption of QR-based payment applications such as OVO, DANA, and GoPay. However, sustaining users’ continued use of these platforms remains a challenge. This study examines the determinants influencing long-term adoption behavior by integrating the Technology Acceptance Model (TAM) and the Information System (IS) Success Model. Using a quantitative approach through Partial Least Squares-Structural Equation Modeling (PLS-SEM), data were collected from 410 active users of QR payment systems across Indonesia. The analysis tested 11 hypotheses, of which 8 were accepted and 3 were rejected. The results indicate that system quality, information quality, and service quality significantly enhance user satisfaction, which in turn increases continuance intention. Additionally, perceived ease of use strongly affects perceived usefulness and attitude toward using, while perceived usefulness positively shapes user attitudes. Interestingly, for DANA users, attitude toward using did not significantly influence continuance intention, suggesting that habitual or utility-driven behavior may dominate over attitudinal factors. Moreover, digital literacy did not moderate the relationships between ease of use, usefulness, and continuance intention, likely because respondents shared relatively high and uniform levels of digital proficiency. Conversely, trust in the service provider significantly strengthened the relationship between perceived usefulness and continuance intention. Overall, the findings emphasize that both technical quality and perceived value are critical for sustaining user engagement, while trust serves as a key reinforcing element in fostering long-term use of QR payment services in Indonesia. © 2025 IEEE.