# Paytm: Secure UPI Payments — UPI, Recharge & Pay Bills

> Secure UPI payments, recharges, and bill payments for Indian users. (iPhone/iPad app by Paytm Mobile Solutions.)

- Source: https://appshunter.io/ios/app/paytm-secure-upi-payments/id473941634 (this page in markdown: same URL + `.md`)
- Developer: [Paytm Mobile Solutions](https://appshunter.io/developer/473941637)
- Category: Finance
- Price: Free
- Rating: 4.70/5 from 39,205 App Store ratings · 362 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.5 · 341 MB
- Languages: American English, Hindi
- Released: 2011-10-24
- Data updated: 2026-08-30
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/paytm-secure-upi-payments/id473941634/reviews.md

## What is Paytm?

Paytm (पेटीएम) - Built for India. Trusted by 50 Crore+ Indians.
We pioneered mobile payments, QR codes, Soundbox, and in-store devices in India - and we continue to lead with innovation. In the BHIM UPI ecosystem, Paytm is the only UPI app that builds features based on real user needs. From personalised UPI IDs and privacy-first controls to widgets, bank balance visibility, and Excel UPI statements, we innovate to make digital payments smarter, safer, and more private - only on Paytm.

Paytm UPI now works internationally in UAE, Singapore, France, Mauritius, Bhutan, Sri Lanka, and Nepal - making it easy for Indian travellers to send money or pay abroad instantly.

Why Paytm?
● India’s safest, most secure UPI money transfer app
● Powered by top Indian banks
● Built-in privacy: hide/unhide payments, personalised UPI ID, QR scan without sharing number, no OTP card swipes

Innovations Only on Paytm UPI
1. Hide & Unhide Payments - Only you control your transaction visibility.
2. Personalised UPI ID - Choose name@ptyes or name@ptaxis instead of revealing your number.
3. Download UPI Statements in Excel + PDF - Great for tracking, accounting, or tax filing.
4. Spend Analytics - Categorised spend insights, month-on-month tracking.
5. Total UPI Bank Balance - View balances across all linked accounts instantly (only for Paytm users).
6. Receive Money Widget - Coin sound & notification every time you receive a payment.
7. Scan & Pay Widget - Scan QR right from your home screen.
8. Smart Bank Transfer Autofill - Copy-paste account info from WhatsApp, Paytm fills it correctly.
9. Auto Top-Up for UPI Lite - Never run out of Lite balance with automated top-ups.
10. Self Transfers - Move money between your own bank accounts instantly.


Payment Methods – UPI Your Way
● Paytm UPI - Send and receive money using just a mobile number. Scan any QR code, pay at shops, and more.
● Paytm UPI Lite - PIN-less payments up to ₹4,000/day. Works even when banks are down. Auto top-up and clutter-free bank statements.
● RuPay Credit Card on UPI - Link your RuPay card and pay via UPI. No OTP, no CVV. Earn rewards at shops and online.
● UPI AutoPay - Enable recurring payments for subscriptions, SIPs, rent, and more.

Recharges, Utility Bill Payments & More
● Recharge mobile (prepaid/postpaid) with Jio, Airtel, VI, MTNL, BSNL
● DTH (TataPlay, Sun Direct, Airtel Digital TV, etc.)
● Electricity, water, gas, broadband, insurance, FASTag, challans, EMIs & more


Pay at Online Stores
 ● 100+ apps supported - food delivery, grocery, shopping & OTT

Set UPI PIN
 ● Secure every transaction. 4 or 6-digit UPI PIN setup required.

Rent Payments Made Easy
● Pay your rent directly via UPI or using your RuPay credit card on Paytm. Earn rewards, get reminders, and download monthly payment receipts - all in one tap.

Paytm Card Machines (Soundbox + Swipe)
 Merchants across India now accept Paytm card machines. You can:
● Scan QR and pay
● Swipe credit/debit cards securely
 All with real-time payment confirmation via iconic Paytm sound.


Personal Loans on Paytm
● Loan: ₹50,000 to ₹25,00,000
● Loan Tenure: 6–60 months
● Loan Interest Rate: 10.99%–35% p.a.
● Loan Processing Fee: 0–6%

Example: ₹1,00,000 @23% for 18 months, 4.25% fee. EMI = ₹6,621. Total Payable = ₹1,19,186

Lending Partners: Hero Fincorp, Aditya Birla Finance, InCred, EarlySalary (Fibe), Poonawalla Fincorp

Check Credit Score for Free to Get Instant Cash Loan

Travel Made Easy
● Trains: IRCTC-authorised e-ticket partner - booking, PNR, cancellations, live train status
● Buses: Instant ticketing with major operators
● Flights: Compare fares, book and manage trips easily


Contact Us
One97 Communications Ltd.
One Skymark, Tower-D, Plot No. H-10B, Sector-98, Noida, UP 201304

Paytm Money Ltd. is a wholly owned subsidiary of One97 Communications Ltd., registered with SEBI & PFRDA.

## Key features

- Secure UPI payments
- International UPI payments
- Mobile and DTH recharges
- Utility bill payments
- Rent payments
- Spend analytics
- Personalized UPI ID

## What do users think of Paytm?

Overall sentiment: negative

**Pros**

- 🚀 Fast payments
- 📱 Good all-in-one app
- 💳 Convenient payments

**Cons**

- 🔒 Security issues
- 🤖 Poor customer service
- 🛑 Doesn't work internationally
- 🐛 Buggy app and transactions
- 📱 Horrible user experience
- 🔑 KYC issues

**Commonly reported bugs**

- App crashes and freezes
- Transaction failures
- Incorrect bill details
- Incompatibility with newer OS versions

**Most requested features**

- Support for international numbers
- Improved customer support channels
- Streamlined KYC process
- Dark mode option

## Recent user reviews (10 of 362)

All indexed reviews: https://appshunter.io/ios/app/paytm-secure-upi-payments/id473941634/reviews.md

### 1/5 — Worst app most payment failed due to paytm

*2026-08-20, version 10.83.10*

Customer service is very poor you need to wait so long but you will not get any help from them

### 5/5 — यह है भारत

*2026-08-17, version 10.83.10*

प्रगतिशीलता एवम सरलता का प्रतीक

### 5/5 — Most Reliable UPI App

*2026-08-11, version 10.83.10*

Paytm’s UPI is more reliable than GPay & PhonePe in my experience. It does not log me out, forcing me to send another SMS, even if I don’t use the UPI for a prolonged period of time.

### 1/5 — Wrost application

*2026-08-01, version 10.83.10*

Every time getting something server issues app issue wrost maintenance

### 5/5 — Abhi

*2026-07-29, version 10.83.8*

Abhi

### 2/5 — Plagued with bugs

*2026-06-30, version 10.82.4*

Paytm had its license canceled a while ago. The CEO was never able to prove consistency. Currently many users have been knocked out of the app while PhonePe is working just fine. Why should we use Paytm therefore??

### 1/5 — Cash back

*2026-06-23, version 10.82.2*

Only in starting they give cash back. But now no more giving any benefits.

### 1/5 — THIRD CLASS APP DO NOT USE IT EVERY TIME I FACE ISSUES

*2026-06-20, version 10.82.1*

POOR CHEAP APP

### 1/5 — Badd

*2026-06-05, version 10.81.0*

Got only 30rs cashback but not credited and also history is not showing for that cashback

### 1/5 — Unsafe, not working well, unable to signin

*2026-06-01, version 10.81.0*

Unsafe not working wel

## Frequently asked questions about Paytm

### What is Paytm?

Paytm is a digital payments app built for India, offering secure UPI payments, mobile and DTH recharges, utility bill payments, and online shopping. It supports international UPI payments in several countries, making it convenient for Indian travelers.

### What are the key features of Paytm?

Key features include secure and private UPI transfers with personalized UPI IDs, international payments, PIN-less payments with UPI Lite, RuPay credit card on UPI, UPI AutoPay for recurring payments, mobile/DTH recharges, utility bill payments, rent payments, and spend analytics.

### Is Paytm free to use?

The app itself is free to download and use for its core payment and recharge functionalities. While the description mentions in-app purchases, the primary services like UPI payments and recharges are generally free, with potential costs associated with specific transactions or premium features if they exist.

### What are the compatibility requirements for Paytm?

The provided description does not explicitly state the compatibility requirements for Paytm, such as supported operating systems (iOS, Android) or minimum version numbers. However, it is designed for mobile devices and is built for the Indian market.

### How can I use Paytm for rent payments?

You can pay your rent directly via UPI or by using your RuPay credit card on Paytm. The app allows you to earn rewards, set reminders, and download monthly payment receipts, simplifying the rent payment process.

## Version history (last 5 releases)

### 10.83.10 — 2026-08-01

Spit, Shine & Squashed Bugs
We chased down some pesky bugs and gave everything a quick buff, so the app feels faster and smoother every single time you open it.

### 10.83.8 — 2026-07-27

Spit, Shine & Squashed Bugs
We chased down some pesky bugs and gave everything a quick buff, so the app feels faster and smoother every single time you open it.

### 10.83.7 — 2026-07-24

Spit, Shine & Squashed Bugs
We chased down some pesky bugs and gave everything a quick buff, so the app feels faster and smoother every single time you open it.

### 10.83.6 — 2026-07-20

Spit, Shine & Squashed Bugs
We chased down some pesky bugs and gave everything a quick buff, so the app feels faster and smoother every single time you open it.

### 10.83.3 — 2026-07-15

Spit, Shine & Squashed Bugs
We chased down some pesky bugs and gave everything a quick buff, so the app feels faster and smoother every single time you open it.

## Apps similar to Paytm

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## More apps by Paytm Mobile Solutions

- [Paytm Mall Seller](https://appshunter.io/ios/app/paytm-mall-seller/id1142583481)
- [Paytm Mall: E-Gift Card Store](https://appshunter.io/ios/app/paytm-mall-e-gift-card-store/id1157845438)
- [Paytm Money: Stocks, MF, IPO](https://appshunter.io/ios/app/paytm-money-stocks-mf-ipo/id1344431352)
- [Paytm for Business](https://appshunter.io/ios/app/paytm-for-business/id1351301966)
- [Paytm Checkin Flight Train Bus](https://appshunter.io/ios/app/paytm-checkin-flight-train-bus/id6670743429)

All apps by Paytm Mobile Solutions: https://appshunter.io/developer/473941637

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*