Paytm: Secure UPI Payments

Paytm - One97 Communications Ltd.

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About this app

Paytm (पेटीएम), India’s #1 Payment App is trusted by over 30 Crore Indians. Download the Paytm app for a bank to bank money transfer via BHIM UPI & instantly pay at shops & online sites/apps like IRCTC, Flipkart, Uber, Zomato & Swiggy. Use Paytm for mobile recharge, Fastag recharge, DTH recharge, Movie Tickets, Postpaid bill payment, Utility bill payment such as Water, Gas, Electricity, Landline, Broadband and insurance. Invest in Mutual Funds, Digital gold & NPS, avail insurance, check free CIBIL credit score, buy now & pay later with Paytm postpaid. Make Rail e-ticket booking, book flights, & buses in a few taps.

Bank to bank money transfer via BHIM UPI
● Send & receive money from any phone number or bank account directly in your bank account. Wallet KYC is not mandatory for using UPI Payments
● Check account balance, add beneficiaries & manage multiple bank accounts- SBI, HDFC Bank, ICICI Bank & other banks in India which support BHIM UPI

UPI ID
● UPI ID is a unique ID used to make UPI payments instead of adding bank account details

UPI PIN
● UPI PIN is a 4 or 6 digit number which must be set while creating UPI ID. For all UPI payments, UPI PIN is necessary

Introducing UPI Lite: Lightning-fast UPI Payments that never fail
Make faster transactions up to Rs 200 with UPI Lite, no PIN required


Benefits of using RuPay Credit Card for UPI Transactions
Users can make credit card based payments to merchants just by using the UPI PIN. No need to Swipe a card or enter CVV/OTP
Mobile & DTH recharge
● Find latest prepaid recharge plans & best offers on Jio recharge, Airtel recharge, Vodafone Idea (Vi) recharge, BSNL recharge etc.
● Recharge your DTH connections - Tata Play, Sun Direct, Airtel DTH, Dish TV, Videocon d2h & get cashback offers

Buy & Manage Fastag (फास्टैग)
● Buy & recharge FASTag for any vehicle using your Paytm Wallet

Utilities Bill Payments -Electricity, Gas, Broadband
● Make electricity bill payments across 60+ providers including BESCOM, PSPCL, BSES, MSEB, UPPCL, TSSPDCL etc.
● Make water, Gas, Credit card & Landline bill payment (Airtel, BSNL, Reliance), Broadband, insurance premiums, E-Challan, Loan, Fee payment, Municipal etc.
● Paytm reminds you about due bills. You can set up auto payment

Safe, Secure & Contactless Payments at Offline Stores
● Easily Pay using UPI Payments, Mobile Number or by scanning QR code at nearby Kirana stores, pharmacies, restaurants, petrol pumps, retail stores

Pay at Online Stores
● Make payment at food delivery, grocery, shopping & entertainment apps/sites & other 100+ apps

Check Free Credit Score
●Check free credit score, get credit reports across all banks’ loans & credit cards

Apply for Paytm Postpaid
● Apply for Paytm Postpaid, buy now & pay later with a credit limit of up to ₹60,000/-

Get Personal loans
Get Loan amount starting from 10K to 2.5 lac
Repay loan within 3-60 months
Annual percentage rate (APR) (per annum monthly reducing): 10.5-35%
Loan Processing fee: 0- 6%
Please Note: Personal Loans are only available to Indian citizens within the territory of India

Lending partners (NBFC):
- Hero Fincorp Ltd: https://www.herofincorp.com/partners
- Aditya Birla Finance Ltd: https://personalfinance.adityabirlacapital.com/pages/individual/platform_partners.aspx
- Clix Capital Services Pvt. Ltd: https://www.clix.capital/our-partners/paytm/

Example:
Loan amount: 100000, Interest 23%, Processing fee 4.25%, Tenure 18
Loan processing fee: Rs.4250
Stamp duty charges: applicable as per law
EMI per month: Rs.6621
Total interest: Rs.19178
Disbursal amount: Rs.94785
Amount Payable: Rs.119186

Book Tickets for Trains, Bus, Flights
● Book domestic & international flight tickets
● Book online bus tickets for UPSRTC, GSRTC, HRTC, MSRTC & 2K+ others
● Paytm is the Authorized IRCTC Partner which allows Rail e-ticket booking, cancellation, PNR status & Live Train status

Ratings and reviews

After updating the app, app asked me to re authenticate using sms. The catch is you cannot change screen in between of this, but whenever sms is sent, carrier sends the notification alert that the message was sent as flash notification. Due to this the flow does not complete in any case. And due to this I am not able to carry out transactions.

Over all functions and features of app is good but log into account is difficult. There's only one method of logging by SMS sending on related number attached with account. But when the number data is exempted system automatically logged out. It's very annoying. So please provide different method of logging. 😊

Not able to open up the payment history. Most of the times it shows blank page even with a good network coverage. Not able to get the details of previously made payment. Using it for past 3 years but now its becoming so pathetic to use it for any transaction.

What's new

We are super excited about this update, and can’t wait for you to try it out
- Introducing UPI Lite - super fast payments with no PIN!
- Now pay with UPI using your Rupay Credit Card
- Find an invoice for any transaction fees on Paytm
- You can now take screenshots after sending money as proof of payments
- General speed and design improvements.