In an age where online shopping and innovative services are rapidly evolving, consumer adaptation to shopping trends, store layouts, and payment modalities is critical. Among these adaptations, self-service checkout systems have been introduced in Vietnamese supermarkets to streamline the post-shopping payment process and alleviate cashier counter congestion. This research was conducted to assess factors influencing consumer intentions towards using self-service payment systems. Data from 497 consumers were collected through non-probability sampling and analyzed using the Smart PLS 4.0 software to test various hypotheses. It was found that consumers’ perceptions of usefulness and ease of use, along with their attitudes towards usage, significantly influence their intention to adopt these systems. Importantly, trust was identified as a positive moderator, enhancing the relationship between consumers’ attitudes towards usage and their intentions to engage with self-service payment systems. These findings suggest managerial implications for increasing system acceptance and understanding consumer needs related to self-service payment options in Vietnamese markets. The results contribute to the broader discourse on technology acceptance, particularly within the framework of the Technology Readiness and Acceptance Model, and underscore the importance of trust in the successful deployment of technological solutions in retail settings.