We have introduced a new and enhanced version of our app, featuring a cleaner, more intuitive interface and a suite of industry-first innovations designed to make payments faster, smarter, and more engaging that rewards digital gold on every payment.
Our newly-redesigned app represents a significant leap forward in simplicity, clarity, and consumer trust. The refreshed interface focuses on making payments effortless and intuitive, with every design decision aimed at elevating everyday payment experience for customers, reflecting our commitment to delivering India’s most consumer-centric mobile payments platform.
Built with AI at its core, the new app reimagines how Indians engage with their money, from tracking spends and balances to discovering personalised insights with ease. Our app experience now feels lighter, faster, and smarter, offering a sense of control and transparency across every interaction.
“We have introduced the all-new Paytm app with a cleaner design, new AI-led experience, and innovations that make it the best payments app. With this, we are bringing intelligence to payments, where the app understands your spending, organises it automatically, and helps you manage it better. We are also giving Gold Coins on every payment, redeemable into real digital gold, so that every Paytm payment becomes a golden one. Built in India for every Indian, this is our next step in making payments truly smarter,” said Vijay Shekhar Sharma, Founder and CEO, Paytm
Reimagined Balance & History with smart AI Tags
Total Balance helps you quickly figure out how much money you have across your UPI linked bank accounts without having to manually add up individual account balance. The Monthly Spend Summary automatically categorizes expenses across shopping, bills, travel, and utilities, using AI-powered tags, offering a clear summary that simplifies budgeting.
Hide Payments, our exclusive feature, adds control and privacy by allowing payments to be hidden from payment history. UPI Statements, which can be downloaded in Excel or PDF, provide very comprehensive and detailed narrations of each payment helping analyse spends while also making life easier for customers and their chartered accountants during tax filing. Payment Location shows exactly where each payment took place, often helping recall the purpose of a past payment showing in the records. A powerful Payment Search enables instant access to past payments by name, amount, notes added at the time of payment, or by type of payment like ‘grocery’ or ‘entertainment’. Paytm Playback, an innovative and exclusive feature, turns recent spends into personalized AI generated rap song, making money management playful and engaging.
Smarter features for everyday payments
Magic Paste removes the need to type bank details by allowing you to simply copy a WhatsApp message with payment information, paste it into our app, and have it automatically detect and fill in the account and IFSC details instantly. Convenience features like Favourite Contacts allows you to pin frequently paid contacts at the top enabling quick repeat payments, while Payment Reminders allows you to set up a reminder for yourself helping ensure timely monthly payments like fees and househelp salary. The Built-in Calculator in the payment flow, our exclusive capability, makes it possible to quickly add up amounts and ascertain the final amount to be paid, ideal for grocery and pharmacy payments. Receive Money widget, our another exclusive feature, places Paytm UPI QR code on the mobile homescreen and allows money to be received without opening the app, especially useful for professionals like lawyers, doctors, gym instructors, cab and auto drivers. Similarly Scan & Pay shortcut widget opens the Paytm scanner directly from the phone’s homescreen allowing superfast payments.
Finally, Personalised UPI IDs such as name@ptyes or name@ptaxis allow creation of easy-to-remember payment handles and also helps ensure that customer’s mobile number does not get revealed via their UPI ID.
Improved Cinematic QR scanning experience
Our new scanner offers a smooth and visually rich experience, combining smart design and animation to make everyday payments more enjoyable. When a QR code enters the scanner viewport, it lights up cinematically, levitates, and explodes into a swirl of light as it transitions seamlessly into the payment page. The scanner can instantly recognize QR codes from any angle and now includes Automatic Flashlight Activation for low-light conditions and a pinch-to-zoom option for scanning QR codes at a distance. These additions make payments more faster, intuitive and immersive.
Turning Payments Into Long-Term Savings
We have also launched ‘Gold Coins’, a unique initiative that adds long-term value to everyday payments. Each payment whether at a merchant, online, or for regular bills earns ‘Gold Coins’ which can be redeemed as digital gold. It reflects our focus on delivering quality experiences for its loyal customer base while enabling smart digital savings for those exploring digital gold as an accessible investment option.
Our app also lets Non-Resident Indians (NRIs) from 12 countries login with their international mobile numbers and use seamless UPI payments by linking their NRE or NRO accounts. They can now easily transfer money between their linked accounts, send money from abroad to friends and family members who use UPI, make online purchases on apps and websites that accept UPI or even use Paytm for all payments at shops by scanning QR codes when they visit India. It helps them directly make instant payments in INR while avoiding expensive forex charges and transfer delays.
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