This study examines the influence of factors related to consumer resistance on the intention to continue using the Unified Payment Interface (UPI) for electronic payments. UPI facilitates advanced, peer-to-peer, immediate payment with seamless interoperability among banks in India. The study extends the innovation resistance theory by including two behavioral measures - privacy concerns and visibility - and two moderators - security concerns and word of mouth (WOM). It used cross-sectional data collected from 714 UPI users aged between 16 and 55 years to test the proposed research model. The findings suggest that privacy concerns and usage barrier are the two crucial factors to be addressed for breaking down consumer resistance towards continuing usage of UPI. The other significant factors are image barrier and visibility. In addition, security concerns and WOM are found to partially moderate the influences on the associations between the key variables and continuing usage of UPI.