A multi-payment architecture – The Driving Force Behind our Strong Business Model and Growth

A multi-payment architecture – The driving force behind our strong business model and growth

We are India’s leading fintech company, with a completely integrated ecosystem of digital payments and financial services. Our robust multi-payment architecture is the driving force behind our rapid growth and continues to play an important role in business expansion. It has enabled us to build a full-stack payment universe to facilitate the daily needs of our consumers and merchants.

The goal behind creating this architecture is simple – to make digital payments accessible to all Indians.

Enabling consumers & merchants with an integrated ecosystem

Today, we are a digital payments and financial services leader in the country, offering a wide array of payment instruments including Paytm UPI, Paytm wallet, Paytm Postpaid (Buy-now-pay-later), credit and debit cards, netbanking and much more.

With this, we have been able to rapidly scale the number of use cases on our app including bill payments, money transfer, mobile, broadband & DTH recharges, rent payments, wealth management and even train/air ticketing, e-commerce, entertainment, cloud services, advertising, online gaming as well as booking cabs or food delivery.

Our core business is to acquire payments customers by offering an easy-to-use comprehensive suite of payments services to both consumers and merchants, and then distribute financial services products, including loan distribution. This diversified business model allows us to create a brand as well as distribution,that gives insights which with the help of technology, allows us to create a loan distribution and collection business.

This makes us the only platform in India which brings all kinds of payment solutions and financial services to consumers under a single roof.

Our integrated ecosystem has also empowered millions of merchants, giving them the flexibility to accept payments with ease. We have brought accessibility and ease of payments for merchants with our devices like the Paytm QR code, Smart POS and EDC devices and the Soundbox.

Through our multi-payment architecture, we have successfully created the first-of-its-kind integrated financial ecosystem. Our high-end technology along with industry-best success rate ensures we manage the entire digital life cycle of a user, both customer and merchants. The full stack payment architecture is integral to our business model growth as it has enabled us to not only build a loyal user base, but also leverage it to offer cross-sell high-margin products.

We remain focused on further strengthening our multifaceted payment architecture to further empower consumers and merchants and drive financial inclusion, which is the driving force behind our mission to bring half a billion Indians into the mainstream economy.

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