This study explores how sensory experiences, specifically visual, audio, and haptic elements, influence user perceptions in mobile payment contexts. Using structural equation modelling, the findings reveal that hedonic factors have a stronger impact on user experience than utilitarian considerations, even when financial transactions are involved. A complete sensory experience was found essential, as the model became invalid when any single modality was removed. A multigroup analysis was conducted to examine the moderating effect of prior experience by comparing users and non-users of mobile payments. While users rated their experiences more favourably, only limited differences in the structural model were statistically significant. This suggests that familiarity may not play as strong a role as previously assumed. The findings offer insights into interface design and mobile technology adoption, highlighting the need to prioritise enjoyment and multisensory feedback in mobile payment systems.