The accepted currency in Gokarna is the Indian Rupee (INR). It's advisable to exchange currency at banks or authorized exchange offices for the best rates. ATMs are available in the main town, but it's recommended to carry enough cash, especially when visiting the beach or more remote areas. Credit cards may be accepted in some hotels and restaurants, but it's always good to have cash on hand. Mobile payment options are not widely used, so it's best to rely on cash and cards for most transactions.