Paytm: Secure UPI Payments is a pioneering fintech application designed to streamline digital transactions in India and beyond. With its robust Unified Payments Interface (UPI) integration, Paytm empowers millions of users to make swift, secure payments for various services, from online shopping and bill payments to recharges and money transfers. Founded in 2010, it has rapidly evolved into a household name synonymous with convenient financial management, all encapsulated within an intuitive, user-friendly interface.


The app offers a myriad of functionalities aimed at enhancing the digital payment experience. Key features include instant money transfer to any bank account or Paytm wallet using just a mobile number or UPI ID, a comprehensive bill payment system covering utilities, entertainment subscriptions, and more. It also facilitates mobile and DTH recharges, movie and travel ticket bookings, and an integrated shopping platform with a vast array of products. Additionally, Paytm Wallet provides a secure, cashless transaction method accepted at numerous offline merchants.

User experience

User experience on Paytm is characterized by simplicity and efficiency. The app’s interface is clean and well-organized, ensuring easy navigation even for first-time users. Transactions are completed within seconds, backed by advanced security measures like two-factor authentication and encryption. Regular updates ensure bug fixes and introduce new features, keeping the app relevant and user-centric. Furthermore, a dedicated customer support system addresses queries promptly, enhancing overall satisfaction.


One of Paytm's prime advantages lies in its versatility and widespread acceptance across India. Its deep integration with UPI and partnerships with a multitude of service providers make it a one-stop solution for diverse financial needs. The app’s seamless wallet-to-wallet transfer and cashback offers on transactions incentivize frequent usage. Moreover, its offline presence through QR code payments at small retailers fosters financial inclusion, especially in rural areas. Paytm’s focus on data security and fraud prevention mechanisms sets it apart, instilling trust among users.


Despite its many strengths, Paytm faces some challenges. Users have occasionally reported technical glitches during peak usage hours, impacting transaction speed. The app’s extensive feature set can sometimes overwhelm users, making the initial learning curve steeper than some rival apps. Additionally, while the app is geared primarily towards the Indian market, international users might find limited compatibility with their local services and payment systems. Lastly, concerns around data privacy, although addressed by the company's policies, remain a topic of discussion among users.



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Paytm - One97 Communications Ltd.

Content Rating


BHIM UPI, Money Transfer, Metro & Mobile Recharge, Pay Electricity Bills, ONDC


Previous Versions


Package Namenet.one97.paytm
Version NameV10.42.2
Version Code721490
File Size79.34 MB
Update time2024-06-09 00:00:00
SystemAndroid 7.0+ (Nougat, API 24)

Package Namenet.one97.paytm
Version Name
Version Code0
File Size
Update time2024-07-17 09:01:10

User review


Refer Code- 12a34bƼ6 (100 फ्री)

Jul 8, 2024

Really impressed!! UPI payments are very simple, taking less than two seconds to complete with an easy-to-use interface. Paytm allows users to instantly pay, book movies and flights, and recharge their Metro cards. The program runs nicely and is easy to use. My problems have been fixed, and I'm grateful for the assistance. My Paytm ratings have gone up. For the past six years, I have utilized Paytm without experiencing any issues. My first pick for online payments is Paytm because of UI.


Akhilesh Kumar Chaudhary (Chaudhary saheb)

May 22, 2024

Excellent. I am using it since many years. There is one suggestion. When we clik on Pay, the choice" scan any QR code" comes at bottom centre of the screen. Advertisements are running on that portion of screen and the choice is not clearly visible. It is suggested that this choice may be placed at the top or at a distinctly visible part of the screen where it is not cluttered by advertisements.


Refer Code- 12a34bƼ6 (Get 100)

Jul 2, 2024

Paytm is a highly secure and reliable mobile payment app I've enjoyed using for a long time. It enables seamless money transfers directly from bank accounts and quickly processes bill payments. The app features a user-friendly design for personal and business transactions, with a chat option to ease transactions. While it's a fantastic app, the need to frequently re-download maps, operators' skins, and other resources is frustrating, totaling around 9GB. Despite this, its intuitive interface.


Referral Code - 12a34bƼ6 पाए 1OO

Jun 8, 2024

Best app on play Store. Paytm provides a simple, user-friendly interface for frictionless transactions such as fast payments, metro card recharges, and movie and travel reservations. It has been praised for its ease of use and flawless performance, and it is regarded as crucial for convenient digital payments. Users love its lightweight, efficient design, and continuing enhancements improve the overall user experience. However, clarity regarding new costs should be enhanced.


Shivamani Beemanadham

May 17, 2024

Excellent. I am using it since many years. There is one suggestion. When we clik on Pay, the choice " scan any QR code" comes at bottom centre of the screen. Advertisements are running on that portion of screen and the choice is not clearly visible. It is suggested that this choice may be placed at the top or at a distinctly visible part of the screen where it is not cluttered by advertisements.


Tuyeb Rashid

Jul 12, 2024

patym is very marvellous payment app compare to others payments apps in india because one of the smartest and quickest online transaction app I have ever feel and use in my 3 years of online transaction experience so I always given my advice to all users Paytm is very secure and safe for our banking system use it with your own limits 👍


Sohail Memon

Jul 12, 2024

I'm very happy to see that the date-wise filter option in Balance History has been restored after the latest update. This feature makes finding transactions quick and easy. Thank you, Paytm, for addressing the issue and improving the user experience!


Referral Code - 12a34bƼ6 पाए 1OO

Jun 10, 2024

I have had a really pleasant experience using the Paytm app for making payments. I use it for utility bills such as power and mobile, which are effortlessly linked to my ICICI and SBI bank accounts. As long as I keep an adequate bank balance, the app ensures that transactions go smoothly. To ensure seamless operations, it is critical that I manage my account balance promptly. The programme is lightweight, has a great interface, and provides a superb user experience.


Popu Lal

Jun 5, 2024

My favourite one. I've been using the Paytm app for my financial activities because I think that navigating and making payments are made easier by its clear and simple UI. I used Phonepe until 2021, when I decided to move to Paytm because of its quicker services, which included effective customer care and transaction processing. My go-to UPI app these days for sending and receiving money is Paytm because it provides dependable, quick, and secure transactions.


Noothi Sumalatha

Jun 7, 2024

Cards are still the most-used payment method, with American Express, Mastercard, Visa as large global card schemes. Even though they're recognized globally, other payment methods like online banking, direct debit, digital wallets, or Buy Now Pay Later (BNPL) are more common elsewhere. But in the mobile it is one and only app it is paytm