This paper investigates the critical role of psychology in the context of digital payment cybercrimes, focusing on the exploitation of human behavior by cybercriminals. With the rising popularity of digital payment methods, the ease and efficiency they offer have revolutionized financial transactions. However, this advancement has also attracted cybercriminals who capitalize on human vulnerabilities to achieve financial gains. This study uncovers the interplay between psychology and digital payment cybercrimes through an examination of evolving cyber threats, relevant psychological theories, analysis of cybercriminal tactics, and a survey-based approach that explores participants' experiences, reactions to suspicious messages, emotional triggers, familiarity with cybercriminal techniques, and patterns in digital payment app updates. The survey outcomes offer insights into the psychological dimensions of these cybercrimes, shedding light on factors that render individuals susceptible to digital fraud. Furthermore, the survey findings provide compelling evidence that supports and aligns with the theories and principles discussed in the literature.