Overview, Comparison, & Features

Paytm is a mobile digital payment solution that has carved its name within a short span of time. Originally, the company provided simple service of mobile recharge and utility bill payments and it now offers a full marketplace to consumers on its mobile apps. 

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The e-payment platform enables people to transfer money from their bank accounts to the Paytm wallet, which further can be used to pay bills at numerous places such as petrol pumps, departmental stores, restaurants, multiplexes, parking, hospitals, and various other places where merchants provide the Paytm money transfer services. Users can also use Paytm to pay various bills (mobile, gas, electricity, and others) and book tickets (movie, train, and others) among others.


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Key Modules:

First lets understand what to expect from this software in a general overview.

  • Merchant Payment

  • Fund Transfer

  • Mobile Recharge

  • Bill Payment

  • Digital Gold

  • Financial Investment

  • Movie Tickets

  • Travel Tickets

  • Payment Bank

  • Play Games

  • Recharge

  • Bill Payment

  • Metro Card Recharge

  • Municipal Recharge

  • Toll Recharge

  • Pay Loan EMI

  • Pay Insurance Premium

  • Credit Bill Payment

  • Cable Tv Recharge

  • Fastag Recharge

  • Ticket Booking

  • Mutual Fund Investments

Pros & Cons:

  • Faster Transaction in just a few clicks

  • Various options on buying products

  • You can pay bills for your house/electricity/DTH 

  • You can send gifts using Paytm

  • Transfer money directly to another customer's bank account by UPI transfers


  • Its customer care service is not very prompt

  • User verification via all other IDs expect Aadhar ID is very slow

Why choose Paytm?

Using Paytm you can do payments instantly and without any hurdles like cash payments of change, old notes, exact amount, etc. In Paytm, all your transactions get tracked automatically and so you can access all the data easily anytime. With Paytm, you can even pay your utility, electricity, and all the other bills. Along with all these Paytm uses the latest anti-fraud technology to keep things safe for you. Moreover, the Paytm dashboard for merchants offers real-time analytics which can be used to measure business performance and make decisions on the fly to improve growth. 

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How can I recharge my mobile online with a debit card using Paytm?
  • Enter your prepaid mobile number.
  • Select your operator and circle if Paytm does not fetch it automatically.
  • Apply promo code to get cashback on your recharge.
  • Select debit card in the payment method.
  • Enter your card details.
  • Enter OTP that you will receive on your mobile, you will be done with it.
How to cancel prepaid recharge in Paytm?
If you have entered the correct details and the recharge did not get proceeded, you can simply cancel your recharge request after two hours of placing the order. 
Go to “My Orders” in the “Profile” section in Paytm app and cancel your recharge order from there. You will get your refund within 24 hours.
How can I redeem Paytm cashback?
Paytm cashback money comes to your Paytm wallet directly. Therefore, you can utilize it for online payments, online shopping, other recharges and future transactions.
How to Recharge Online on Paytm?
  • Enter your prepaid mobile number.
  • Select your mobile operator and circle if Paytm can’t detect automatically.
  • Enter the amount.
  • Now proceed with the payment, you can do so through Credit/ Debit Card, Net Banking or Paytm Wallet as per your choice, all our payment means are secure and protected.
How to make DTH recharge online at Paytm?

Go to DTH recharge page on Paytm
1. Select your DTH operator
2. Enter your Customer ID/Registered Mobile Number/ Smart Card Number/ Subscriber ID
3. Enter your recharge amount
4. Apply a promo code to get cash back on your DTH recharge. Log in to check applicable promo codes and get up to Rs 30 cashback
Proceed with the payment.

How to Make Credit Card Bill Payment on Paytm?
  • Go to credit card payment page on Paytm
  • Click on ‘Proceed’
  • Enter the details and bill amount
  • Proceed with the payment
How to Make Airtel Broadband/Landline Bill Payment Online with Paytm?
  • Enter your number with STD Code.
  • Enter the amount.
  • Pick bill payment promo codes of your choice and get Cashback & other offers.
  • Choose payment method of your preference i.e. Debit/Credit Card, Net banking or Paytm wallet. 
How to Make FASTag Recharge on Paytm?
  • Go to FASTag recharge on Paytm.
  • Select the FASTag issuing Bank.
  • Enter your Vehicle Number/Vehicle Registration Number.
  • Click on ‘Proceed’ and enter the recharge amount.
  • You can make the payment with a Debit Card, Credit Card, Net Banking, Paytm Wallet and UPI.
How can I book my train tickets on Paytm?
  • You can log in to Paytm using your Paytm account credentials, and search for the trains for your journey. 
  • Once the list of trains appears, click on the preferred train and check the seat availability for the proposed date(s). 
  • After this, you can proceed to make a booking by entering your IRCTC credentials or creating an IRCTC account if you don’t have one. 
  • You can now make the booking as per the instructions on the website using multiple payment options
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