This study investigates how consumers connect everyday digital wallet use with perceived environmental value and online transaction behaviour in an emerging Indian city. The work responds to a gap in digital payment research, where e-wallet adoption is commonly examined through convenience, security and usefulness, but less often through the consumer’s sustainability lens. Data were collected from 458 digital-wallet users in Tiruchirappalli District, Tamil Nadu, India, through a structured questionnaire. The analysis combines percentage analysis, univariate testing, cross-tabulation, correspondence analysis, correlation and multiple regression. Additional effect-size, confidence-interval and aggregate-path diagnostics are reported to interpret the practical strength of the relationships rather than relying only on p-values. Environmental concern was meaningfully above the neutral point, with 57.9 per cent of respondents reporting very or extremely high concern. Occupation and income significantly influenced environmental concern, whereas age was not significant in the univariate model. Consumer perspectives on digital wallets were positively associated with perceived environmental impact and online transaction behaviour. Perceived environmental impact also positively predicted online transaction behaviour and showed a stronger standardized effect than consumer perspective in the regression model. An exploratory aggregate-path assessment further indicated a partial indirect link from consumer perspective to online transaction behaviour through perceived environmental impact. The study extends green digital finance research by treating perceived environmental value as part of consumer-level digital wallet evaluation. It offers evidence from a non-metropolitan Indian context, where digital payments are expanding rapidly but sustainability-oriented fintech research remains comparatively limited.