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Paytm

One97 Communications

India's original digital wallet + UPI

(4.2)
500M+ downloads
UPI & Wallet App

About Paytm

Paytm pioneered digital payments in India and remains a major player. Beyond UPI, Paytm offers its own payment bank, postpaid credit line (buy now pay later), movie/travel bookings, and stock trading. It's a comprehensive financial services super-app.

Key Features

UPI and wallet payments
Paytm Payments Bank account
Paytm Postpaid (BNPL)
Stock trading via Paytm Money
Movie and event tickets
Flight and train bookings
Bus and metro tickets
Fastag recharge
Insurance products
Gold investment

Rewards & Benefits

  • All-in-one super app
  • Paytm Postpaid credit line
  • Cashback on bill payments
  • Entertainment booking rewards
  • Paytm First membership benefits
  • Integrated banking experience

Requirements

DeviceAndroid 5.0+ or iOS 12.0+
Bank AccountAny bank or Paytm Bank account
RequiredMobile number, Aadhaar for bank account
Age18+ years

Security Features

Paytm Payments Bank RBI licensed
UPI PIN protection
Wallet PIN/biometric lock
Transaction SMS alerts
Device security checks
Fraud detection systems

Pros & Cons

Advantages
  • Most comprehensive feature set
  • Paytm Postpaid is convenient
  • Great for entertainment bookings
  • Own payment bank for savings
  • Stock trading integration
  • Widely accepted by merchants
Disadvantages
  • App is heavy and can be slow
  • Interface is cluttered
  • Recent regulatory issues
  • Customer support can be slow

Frequently Asked Questions

Paytm app and UPI continue to work normally. RBI restrictions were on Paytm Payments Bank, not the main app. UPI transactions through other banks linked to Paytm are unaffected.

Paytm Postpaid is a buy-now-pay-later credit line. You can use it for transactions and pay the bill next month. Credit limit based on your usage history. Interest applies on late payments.

Open Paytm app > Go to Paytm Bank > Complete video KYC with Aadhaar > Your savings account is ready. Earn up to 4% interest on savings with zero minimum balance.

Yes, Paytm is an authorized IRCTC partner. You can book train tickets directly in the app with UPI/wallet payment. Get cashback on bookings during promotional periods.
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Paytm

One97 Communications

(4.2)

500M+ downloads

Download from official app stores only

Google PlayApp Store

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UPI Safety Tips

  • Never share your UPI PIN with anyone
  • Download apps only from official stores
  • Verify merchant details before paying
  • Don't click unknown payment requests
  • Keep your app updated
  • Use screen lock on your phone

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