Problem: Game Theory is a theory which deals with such a situation that is competitive in nature. Competitive nature arises due to conflicting opinions or interests. These different interests give rise to different preferences. With the difference in preferences, provides with different strategies. There are mainly pure strategies and mixed strategies when it comes to Strategy. Under different strategies, Pay-Off Matrix is formed. Each game gives a point where maximum of a minimum row coincides with minimum of maximum column. Such point is called as Saddle Point. Even with respect to Digital payments this technique can be used. Application of Game Theory in Digital Finance will open up a new branch for Operations Research. Such Game Theory can also be called as Digital Game Theory. Combining Game Theory and Digital Finance can help to resolve many technical problems which rise at the course of execution of Digital payments in the Digital World.  In this paper the problem is about application of game theory in the world of Digital Finance. If Game Theory principles are applicable in Digital Finance then to what extent it is applicable? How the applicability can be visualized? What conclusion can be drawn? Approach: To apply Game Theory in Digital Finance first all the Digital Payments platforms have to be listed. In order to make users well versed with Digital Payments, there have been many schemes which have been implemented such as Digitalization, Digital India, Jan Dhan Yojana etc. These schemes help in initiating digital payments easily. There are many digital payment platforms where Digital transactions can be done very easily. Namely UPI, BHIM, NEFT, AePS, IMPS, APBS and NETC. The data with respect to all the listed payments gateways are recorded. Later the principles of game theory are applied in order to understand the saddle point amongst the Digital avenues. In order to find the saddle point, basically three year data with respect to all digital avenues are taken and recorded. All data is recorded with respect to Value of Transactions and volume of transactions. Findings: This paper discusses about how to apply the knowledge of game theory in the world of digital payments. The key findings with respect to application of Game Theory in Digital Payments states that with respect to value of transactions, the saddle point is calculated to be at NEFT payment gateway whereas for the volume of transactions, the saddle point is calculated to be at UPI payment gateway.  Conclusions: It can be concluded that the most preferred payment gateway from Value of transactions point of view is NEFT Payment platform whereas with respect to Volume of Transactions, UPI is the most preferred payment gateway.