Users can review their transaction history within the Paytm App and are encouraged to report any discrepancies or unauthorized transactions through the designated dispute resolution mechanism provided by Paytm here.

• Ensure your bank account is correctly linked.
• Update your mobile number with the bank linked to the Paytm App if there are any changes, as your mobile number is the primary identifier.
• Re-register your new mobile number with Paytm and your bank if you change the number registered with your Paytm Account.
• Take full responsibility for maintaining the confidentiality of your UPI PIN, OTPs, and other authentication credentials. Paytm and PSP Banks shall not be liable for any unauthorised transactions arising due to compromise of such credentials.
• Take full responsibility for payment requests you make and authorize on Paytm UPI. This includes adding beneficiaries, typing and reviewing VPAs, and validating intended recipients. Note that Paytm does not verify the accuracy of information entered during payment processing.
• Agree that providing any untrue, inaccurate, outdated, or incomplete information, or if we have grounds to suspect such, may result in indefinite suspension or termination of your account.
• Understand that we are committed to ensuring that all your confidential data related to transactions, bank account details, and other sensitive personal information are protected and kept confidential, employing the best available protection standards as detailed in our Privacy Policy.
• Acknowledge that Paytm UPI, PSP, or any other participant in the UPI Payment System will not be liable for any delays or losses due to errors in the funds transfer execution by you.
• Ensure there are sufficient funds in your Paytm UPI-linked bank account(s) to avoid transaction declines and any fees charged by your Issuer Bank.

• Owns and operates the Unified Payments Interface (UPI) platform.
• Sets rules, regulations, guidelines, and outlines roles, responsibilities, and liabilities for UPI participants, covering transaction processing, settlement, dispute management, and clearing timelines.
• Approves the participation of Issuer Banks, PSP Banks, Third Party Application Providers (TPAPs), and Prepaid Payment Instrument (PPI) issuers in UPI.
• Ensures a safe, secure, and efficient UPI system and network.
• Facilitates online transaction routing, processing, and settlement for UPI members.
• Conducts audits, directly or through third parties, on UPI participants, including data and records related to their UPI activities.
• Provides banks involved in UPI with system access for downloading reports, managing chargebacks, and updating UPI transaction statuses.

• Connects to the UPI platform to offer UPI payment facilities and supports TPAPs in enabling UPI payments for end-users and merchants.
• Onboards and registers end-users for UPI, linking their bank accounts to respective UPI IDs, through its own or a TPAP’s app.
• Authenticates end-users at the time of UPI registration.
• Collaborates with TPAPs to make UPI apps accessible to end-users.
• Ensures TPAP systems are secure enough for UPI functionality.
• Audits UPI apps and systems of TPAPs to protect the integrity of user data, including UPI transaction data and app security.
• Stores all UPI transaction data collected in India only.
• Offers UPI users the option to link any bank account listed on the UPI platform to their UPI ID.
• Implements a grievance redressal mechanism for addressing user complaints and disputes.

• Serves as a service provider, participating in UPI via a PSP Bank.
• Adheres to all PSP Bank and NPCI requirements for TPAP participation in UPI.
• Maintains adequate security measures for its UPI platform operations.
• Complies with all relevant laws, rules, regulations, and guidelines, including NPCI directives.
• Stores UPI transaction data collected by TPAP within India.
• Assists RBI, NPCI, and designated agencies in accessing Paytm's UPI-related data and systems for audits.
• Provides a grievance redressal channel for end-users via the Paytm App, website, and other suitable methods like email, messaging, and IVR.

• You must maintain the confidentiality of your App password and transaction details. Paytm will not be liable for unauthorized transactions resulting from your failure to secure your account.
• The maximum transfer via UPI Lite is Rs. 500, with a wallet balance limit of Rs. 2000. Daily spending is capped at Rs. 4000. Paytm and NPCI may revise these limits.
• You can check your UPI Lite balance on the app. Funds with respect to UPI Lite are held with Paytm.
• Transactions other than top-ups/deactivations will not appear in your Paytm account statement.
• Paytm and NPCI reserve the right to deny or suspend your UPI Lite access or require password changes at their discretion.
• If your access to UPI Lite is disabled, any unused balance will be credited back to your account by Paytm.
• Before changing devices, disable UPI Lite on the old device to transfer the balance back to your account. Failure to do so limits Paytm's ability to refund any balance.
• You acknowledge that claims against RBI/NPCI regarding UPI Lite are not permitted.

• The UPI functionality is exclusively available for RuPay network Credit Cards.
• In the event a Paytm co-branded credit card is issued, the Customer consents to Paytm linking this card to UPI on the Paytm platform, enabling UPI payments.
• Device binding and UPI PIN setup during credit card onboarding signify customer consent for UPI enablement, per NPCI Guidelines.
• Only Primary Cards are eligible for UPI payments; Add-on or Supplementary cards are currently excluded.
• The UPI PIN, required for UPI transactions, must be set, reset, or changed within the PAYTM App.
• Cardholders are responsible for maintaining the confidentiality of their account passwords and UPI PINs.
• UPI functionality is restricted to Peer-to-Merchant (P2M) transactions. Other transaction types like, Peer-to-Peer (P2P), Card-to-Card (C2C) and Peer-to-Peer-Merchant (P2PM), are not supported.
• Cash withdrawal is not available on UPI on Credit Card facility.
• Fuel surcharge reversal will not be applicable to UPI transactions through RuPay credit cards
• Reward points accrual for UPI transactions will adhere to the issuing bank's reward program.
• Transaction limits may apply as per Paytm, the issuing entity, or NPCI policies.
• Cardholders must promptly report any unauthorized use of their password or UPI PIN to Paytm.
• By using the RuPay Credit Card on UPI, the Cardholder agrees to these Terms, which may be updated by Paytm without prior notice.
• These Terms are intended to provide clarity and ensure the secure and effective use of the RuPay Credit Card on UPI via Paytm. Cardholders are encouraged to review these Terms regularly to stay informed of any changes.
• UPI transactions through Credit Cards are not applicable on the following Merchant categories:

• Cardholders agree and understand that UPI transactions shall be subject to restrictions like maximum transaction amount or maximum daily limits or periodic limits that may be imposed by PSP bank or the issuing entity or by the NPCI, from time to time and cardholders shall at all times be bound by such limits and restrictions.
• The Terms and Conditions listed above are subject to updation from time to time. Paytm may amend the above Terms and Conditions without any prior notice and the Cardholder/Customer will be bound by the amended TnC.

• One-time Mandates:
  1. i. Through this functionality, individual customers can pre-authorize future debit of his/her bank account. The mandate created shall be for one-time execution only and customer Account shall be blocked for the equivalent amount immediately with the mandate creation.
  2. ii. In P2M transactions, a merchant can create a mandate for the customer, who is the payer in this case. It is through Collect flow that payee/ merchant initiated mandates can be created. In case the payer does not have necessary fund/balance in the account, the UPI Mandate will not be created
  3. iii. The mandate shall be created only on receipt of consent of the customer.
  4. iv. Payee can modify the mandate any time before the expiration date and redemption date. Such modification shall be subject to approval of the customer. Only amount and expiry dates can be modified.
  5. v. The payee can revoke the mandate any time before the expiration date. The blocked funds shall be unblocked immediately and the said mandate shall stand cancelled.
  6. vi. Mandate execution will only happen between start date and end date.
  7. vii. UPI ID de-registration cannot be allowed by the customer if any mandate is active and outstanding against the UPI ID
  8. viii. Maximum amount limit for mandate is as specified by NPCI/RBI basis merchant category. These limits and categories can be modified by NPCI/RBI from time to time. 
  9. ix. Mandates may be valid for a maximum period of 90 days, or any other period so prescribed from time to time.
• Recurring Mandates:
  1. i. In Recurring Mandate, the Customer will have the capability to schedule mandate through one-time authorization for a selected validity period and a defined frequency. This will allow recurring debits from the UPI linked Account. The Mandate can be payer initiated and payee initiated. No mandate shall be set without consent of the Customer.
  2. ii. A request for modification of mandate may be sent by the party that has initiated the mandate, i.e., Payee and Payer both can initiate modification (depending on which party initiated the mandate) but the final authority to approve the modification lies with the Customer. No such modifications shall be effected without the consent of the customer.
  3. iii. The payer can pause the mandate for a duration within which the mandate will be inactive. Any transaction initiated by the payee on a paused mandate will be declined. Similarly, the payer has the option to resume a paused payment from an effective date within the mandate validity period.
  4. iv. The mandate can be revoked i.e. cancelled by either of the parties. Mandate once revoked can’t be undone i.e. on a revoked mandate no further executions of the same mandate to be done. If Revoke is initiated by Payee PSP, there is no PIN required whereas if revoke is initiated by Payer PSP, then PIN is required.
  5. v. If the first execution date is same as mandate creation date, the customer will need to authorize the mandate creation and no separate authorization for immediate execution would be required. If the first execution date is a future date, then the customer will be required to authorize the execution with requisite information including UPI PIN.
  6. vi. As directed by NPCI, Two re-attempts shall be allowed in case any execution fails due to any technical, business reasons or risk scores from FRM. On failure of third attempt, the respective mandate execution for processing of the transaction on that particular date shall fail, however, the mandate shall be valid and active for future executions. However, if the first execution of the mandate fails (inclusive of the two re-attempts), the entire mandate will stand cancelled.
  7. vii. Maximum amount limit for mandate is as specified by NPCI/RBI basis merchant category. These limits and categories can be modified by NPCI/RBI from time to time. 

1. i. You may choose to register on UPI using Aadhaar with OTP only if the You have registered on Paytm app using Aadhaar registered mobile number and same mobile number is registered with bank.
2. ii. Your bank shall verify Aadhaar holder's mobile number, in addition to OTP authentication. In case of authentication failure appropriate error shall be displayed to Aadhaar holder.

• "Primary User" means an individual using the Paytm App for availing UPI based services/facilities who delegates authority to a Secondary User to make UPI payments using the Primary User's bank account through the UPI Circle feature available on the Paytm App.
• "Secondary User" means an individual who is either authorised by the Primary User or by a primary user using another UPI app to make UPI Circle transactions from the bank account of such Primary User
• "Full Delegation" means the Secondary User may initiate and complete transactions within limits set by the Primary User
• "Partial Delegation" means the Secondary User may initiate payment requests, which must be authorised by the Primary User

• Linking of a Secondary User shall be initiated only by the Primary User and shall require explicit consent from both users. Such linking shall be subject to authentication requirements, including two-factor authentication, and may expire if not completed within prescribed timelines.
• Transactions under UPI Circle shall be subject to limits prescribed by NPCI, RBI, and/or PSP Banks, including transaction limits, monthly limits, cooling periods, and other risk controls as may be applicable from time to time.
• The Primary User shall be responsible for transactions undertaken by the Secondary User under such delegation. Users shall ensure correctness of details provided and must promptly report any unauthorised activity.
• Users may modify, revoke, or delink such delegation at any time through the Paytm App. All transactions shall be recorded and visible in transaction history. Paytm reserves the right to suspend or restrict access in case of suspicious activity or regulatory requirements.