What is the Paytm UPI app?

The Paytm UPI app is a real-time mobile payment platform that allows users to link multiple bank accounts to a single application for instant fund transfers. Developed using the Unified Payments Interface (UPI) framework by NPCI, it enables seamless transactions via:

• Unified Payment Interface (UPI) IDs or mobile numbers.
• Scanning QR codes for merchant payments.
• Direct bank-to-bank transfers available 24/7.

The app ensures secure payments through two-factor authentication, requiring a secure UPI PIN for every transaction, eliminating the need to share sensitive bank account details.