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This study analyses the difficulties of using stored-value cards for noncash payment adoption and payment framing behaviour development. This study applies the Rasch model via mental accounting theory to identify unobservable and latent difficulties in adopting noncash payment instruments for lottery participation. Anonymity, a reduction in cash carrying, and convenient purchases have discouraged noncash payment adoptions. However, consumers prefer stored-value cards because they are easy to carry and reduce payment time and long waits. Consumers also develop payment framing behaviour difficulties from crediting up to the maximum stored value and fear of insufficient cash, with preferences for period purchases. Lower income significantly discourages noncash payment adoption and payment framing behaviour development, whereas being of a younger age causes significant payment framing difficulties. Regional variations differ in convenience, anonymity, stored value, balance checking, and indirect donations. The moderating effect between income and age also positively significantly influences noncash payment adoption and payment framing behaviour.
