Nowadays, the importance of gamification is increasingly conscious by many organizations to increase the motivation of their users to spend more on their applications. Many merchants are still unaware of the importance of data in decision-making. The results of interviews with XYZ application users conducted during the previous research show that many users still keep their transaction data in notes, and mistakes like missed transactions, occur frequently. Data that is neatly organized might give them additional insight into how to improve their business. Gamification has become one of the things that keep the users retain to the application services. Through mechanics, dynamics and emotions (MDE) Framework and SelfDetermination Theory, result have show that the solution from the framework that the researchers do have prove that gamification can become one of the part that reduce the number of churn rate and increase the motivation to keep using services provided. The objective of this study is to explore how gamification can increase the usage of digital payment service provider and boost their motivation to spend more on the services.