Paytm vs Mobily Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Paytm
This app facilitates secure digital payments and money transfers across India and internationally. It offers features like personalized UPI IDs, transaction privacy controls, and convenient bill payments and recharges. Users can also manage bank balances and track spending with detailed analytics.
- Secure UPI money transfers
- Personalized UPI IDs
- Hide/Unhide payment visibility
- Download UPI statements (Excel/PDF)
- Spend analytics and tracking
- International UPI payments
- Mobile and DTH recharges
- Utility bill payments
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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 (only available to users in India) ● 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: Aditya Birla Capital, Axis Bank, Credit Saison, Fibe, Hero FinCorp, IDFC FIRST Bank, InstaMoney, KreditBee, Piramal Finance, Poonawalla Fincorp, SMFG India, Tata Capital, Kissht (Ring), InCred 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.
Mobily Pay
A digital wallet licensed by the Saudi Central Bank, facilitating daily financial transactions, local and international transfers, and bill payments. It offers features like Visa card integration, wallet-to-wallet transfers, and scheduled payments.
- Visa card integration
- Wallet to wallet transfer
- Local and international transfers
- SADAD and Mobily payments
- Bill payment in one click
- Scheduled payments
- Send gifts
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Mobily Pay is a digital wallet licensed by The Saudi Central Bank. Mobily Pay is your perfect choice for making daily financial transactions & purchases. Mobily Pay is the best choice for your local & international transfers. Through the app, you can pay your bills in one click. Mobily Pay features: - Visa card - Wallet to wallet transfer - Local bank transfer (SARIE – IPS) - International transfer (to account – cash pickup – wallet) - SADAD payments - Mobily payments - Send gifts - Multi-languages - Payments scheduling And more ...
Screenshots
Verdict
The clearest difference is update cadence: Paytm at every 4 days against Mobily Pay's every 2 weeks. Paytm also leads on ratings volume (41K vs 3.7K). Mobily Pay's advantage is monetization model (free vs ad-supported). On price, rating, review sentiment and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.7 for Paytm against 4.7 for Mobily Pay. That said, the two scores are not equally well evidenced: Paytm has 41K ratings behind it against 3.7K, so its average is the more settled of the two. Written reviews are what separate them: 38% of Paytm's written reviews are positive against 34% of Mobily Pay's.
Paytm ships an update every 4 days, Mobily Pay every 2 weeks. Both last shipped on November 7, 2026.
| Parameter | Paytm | Mobily Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (41K ratings) | 4.7 (3.7K ratings) — better |
| Positive reviews | 38.5% of reviews — better | 34.3% of reviews |
| Number of ratings | 41K — better | 3.7K |
| Update frequency | Every 4 days — better | Every 2 weeks |
| Ads | Yes | Yes |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.5 | 15.0 — better |
| Further details — not scored | ||
| Size | 382 MB | 152 MB |
| Age rating | 4+ | 17+ |
| Developer | Paytm Mobile Solutions | Etihad Digital Financial Company |
Customer experience
Paytm
Mobily Pay
User reviews
Paytm
From 41K App Store ratingsWhat we love
- 🚀 Fast payments
- 📱 Good all-in-one app
- 💳 Convenient payments
Room to improve
- 🔒 Security issues
- 🤖 Poor customer service
- 🛑 Doesn't work internationally
- 🐛 Buggy app and transactions
- 📱 Horrible user experience
Mobily Pay
From 3.7K App Store ratingsWhat we love
- 🚀 Prompt and easy transaction
- 👍 Good service
- 🚀 Wonderful App made easy everything just one click
- 👍 Best Digital Wallet App in Saudi
- 👍 Excellent and value to money
Room to improve
- 🐛 App not working
- 🐛 Slow app
- 🐛 Worst interface
- 🐛 App crashes
- 🐛 Visa not working
Bugs and requests
Paytm
Reported bugs
4 issues- App crashes and freezes
- Transaction failures
- Incorrect bill details
- Incompatibility with newer OS versions
Requested features
4 requests- Support for international numbers
- Improved customer support channels
- Streamlined KYC process
- Dark mode option
Mobily Pay
Reported bugs
7 issues- OTP not received
- Visa and Mastercard not accepted
- Frequent app crashes
- Slow app performance
- Registration issues
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- Incompatibility with older devices
- Balance recharge problems
Requested features
5 requests- Introduce Mada prepaid card
- Add Sadad bills payment
- Improve international beneficiaries details
- Add mobile recharge options
- Integrate with Mobily account for bill payment and recharge
In-app purchases
Paytm
No in-app purchases
Mobily Pay
No in-app purchases
