How to Make or Receive Payment Using UPI on Paytm?

Need to pay a shopkeeper, split a bill or collect money from a friend? Paytm UPI handles all of it from your bank account in seconds. Here is exactly how to send money, how to receive it, which limits apply and what to do when a payment gets stuck.

What Is Paytm UPI and How Does It Work?

Paytm UPI lets you send and receive money straight from your bank account using the Paytm app. It runs on UPI, the real-time payment system built by NPCI, so money moves between banks within seconds, at any hour.

You link your bank account once and set a UPI PIN for it. After that, every payment you make is approved with that PIN, while every payment you receive lands in the same account without you doing anything. Your account number stays private because people pay you through your UPI ID, your mobile number or your QR code.

Because all UPI QR codes follow one common standard, the Paytm app can scan and pay any UPI QR code you see at a shop, a taxi stand or a delivery doorstep. The same holds the other way round: a friend using any UPI app can pay you.

Is a UPI ID the Same as a VPA?

Yes. A UPI ID and a VPA, short for Virtual Payment Address, are two names for the same thing. It is the address people use to send money to your bank account without knowing the account number.

A UPI ID looks like yourname@bankhandle. The part before the @ is your chosen name or your mobile number, and the part after it is the handle of the bank or app that manages the ID. If you value privacy, Paytm now lets you create personalised UPI IDs that hide your mobile number, so you can share an ID that does not reveal your phone details.

How Do You Make a UPI Payment on Paytm?

You can pay in three ways: scan a QR code, enter a mobile number or UPI ID, or send money directly to a bank account. Each one ends the same way, with your UPI PIN.

Pick the option that fits the moment. Scanning is quickest at a shop counter. A mobile number works best for friends and family. Bank details are handy when someone shares only an account number and IFSC.

How Do You Pay by Scanning a QR Code?

This is the most common way to pay a shopkeeper, a cab driver or anyone who shows a UPI QR code.

Step 1: Open the Paytm app and tap Scan & Pay or the QR scanner icon on the home screen.

Step 2: Point your phone camera at the UPI QR code.

Step 3: Enter the amount you want to pay and check the name shown on screen.

Step 4: Select the linked bank account you want to pay from.

Step 5: Tap Pay and enter your UPI PIN to finish the payment.

Always check the name before you pay. If the name on screen does not match the shop or person in front of you, stop and ask. It takes two seconds and saves a lot of trouble.

How Do You Pay Using a Mobile Number or UPI ID?

Use this when the person is not standing next to you, for example when you split rent or send money home.

Step 1: Open the Paytm app and choose the option to pay by mobile number or UPI ID.

Step 2: Enter the mobile number linked to their UPI account, or type their UPI ID, such as rahul123@bankhandle.

Step 3: Enter the amount you want to send.

Step 4: Select the linked bank account you want to pay from.

Step 5: Tap Pay and enter your UPI PIN.

A typo in a UPI ID sends the payment nowhere, or worse, to a stranger. The app shows the registered name before you pay, so read it carefully.

Can You Send Money Directly to a Bank Account?

Yes. The Paytm app also lets you transfer money to any bank account using the account number and IFSC, even if the person does not use UPI.

An IFSC looks like ABCDXXXXXXX. The first four letters identify the bank, the fifth character is always a zero, and the remaining characters point to the branch. Copy it exactly from a cheque or passbook, since a single wrong letter can send the request to a different branch.

1. Open the Paytm app and go to the money transfer section.
2. Choose to send money to a bank account.
3. Enter the account number, confirm it, and enter the IFSC.
4. Enter the amount and select the account you want to pay from.
5. Confirm the transfer with your UPI PIN.

How Do You Receive Money on Paytm?

Receiving money is simpler than sending it. You only share your details, and the sender does the rest. You never enter your UPI PIN to receive money, and you never approve anything.

That last point matters. If someone says you must enter your PIN to get a refund, a prize or a payment, it is a scam. A PIN only ever takes money out of your account.

How Do You Share Your UPI ID or QR Code?

Step 1: Open the Paytm app and tap your profile icon in the top-left corner.

Step 2: View your personal QR code and UPI ID on the screen that opens.

Step 3: Share your UPI ID, such as yourname@paytm, or let the sender scan your QR code.

Step 4: Wait for the sender to enter the amount and confirm with their own PIN.

You can also simply share your registered mobile number if it is linked to your UPI account. The sender enters it in their UPI app and the money reaches your linked bank account.

If someone owes you money and keeps forgetting, send them your UPI ID or a screenshot of your QR code along with the amount. They can pay you from any UPI app in a few taps, and you see the credit in your Paytm app straight away.

What Else Can You Do With UPI on the Paytm App?

Quite a lot. Beyond paying people and shops, the Paytm app brings everyday UPI tools into one place, so you can track, manage and protect your money without switching apps.

Which Paytm Features Make Everyday UPI Payments Easier?

• UPI Lite lets you make small payments without entering a UPI PIN each time, up to Rs 1,000 per payment.
• Balance & History shows every UPI payment you made or received, along with your account balance.
• UPI Statement Download helps you keep a record of spending and makes tax filing easier.
• Face ID and Fingerprint for UPI let you approve payments on supported phones without typing your PIN.
• RuPay credit card on UPI lets you link an eligible RuPay credit card and pay merchants by scanning a QR code.
• International UPI lets you pay with UPI in select countries, including the UAE, France, Singapore and Nepal.

Real-time notifications tell you the moment a payment succeeds or fails, and built-in safety features watch for unusual activity. You do not need to complete KYC on the Paytm app to pay using UPI, since your bank has already verified you.

How Do You Start Using UPI on the Paytm App?

Step 1: Download the Paytm app and sign in with the mobile number linked to your bank account.

Step 2: Go to the UPI section and select your bank from the list.

Step 3: Let the app verify your number through an SMS from your phone.

Step 4: Set a UPI PIN using your debit card details or Aadhaar, if your bank offers it.

Step 5: Make a small first payment to confirm everything works.

Keep the same SIM in your phone that is registered with your bank. If the SIM is in a different slot or a different phone, verification usually fails at the SMS stage.

What Are the UPI Payment Limits on Paytm?

You can send up to Rs 1 lakh per day for person-to-person transfers on standard UPI. These caps are set by NPCI, and your bank applies them along with its own daily count of transactions, typically between 10 to 20.

Some payments follow different caps. Small payments through UPI Lite and recurring payments through UPI AutoPay each have their own limits. New users may also see a reduced limit, around Rs 5,000, for the first 24 hours after registration.

Common UPI limits on the Paytm app

Note: UPI limits can change, so confirm the latest caps on the NPCI website or with your bank.

UPI AutoPay suits subscriptions and bills. You set up the mandate once with your UPI PIN, receive a notification before every debit, and can pause or cancel the mandate at any time from the app.

What Happens If a UPI Payment Fails?

If money leaves your account but the payment does not reach the receiver, the amount is reversed to your account automatically. Under RBI rules, such failed payments are usually reversed by the next working day.

Most failures come from a few common causes: a wrong PIN, a bank server that is busy, a weak network, or a daily limit you have already reached. Wait a few minutes before trying again, so you do not end up paying twice.

How Do You Raise a Complaint in the Paytm App?

If the reversal does not arrive within the expected time, check the payment status first and then raise a complaint.

Step 1: Open the Paytm app and go to Balance & History.

Step 2: Tap the failed or pending payment to see its full status.

Step 3: Note the UPI reference number shown for that payment.

Step 4: Raise a complaint for that payment from within the app.

Keep the reference number handy when you contact your bank as well. It is the one detail that lets anyone trace a payment quickly. Our guide on how to register a UPI complaint walks through the process in more depth.

How Do You Keep Your UPI Payments Safe?

Protect your UPI PIN like an ATM PIN. Nobody from a bank or an app will ever ask for it, and you never need it to receive money.

• Never share your UPI PIN, OTP or debit card details with anyone, even if the caller sounds official.
• Check the receiver’s name on screen before you tap Pay.
• Ignore collect requests from people you do not know.
• Lock your phone with a PIN, fingerprint or face lock.
• Update the Paytm app regularly so you get the latest safety fixes.

UPI keeps your bank account details private, since you only share your UPI ID or mobile number. Add a few good habits and your payments stay secure.

Ready to Make Your Next UPI Payment?

Paying and getting paid with UPI takes just a few taps once your bank account is linked. Keep your PIN private, check names before you pay, and you are all set. Open the Paytm app and try your first scan today.