Paytm vs GoolPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Paytm
This app offers secure and private UPI payments, bill recharges, and online shopping. It provides features like personalized UPI IDs, international payments, and spend analytics for users in India and abroad.
- Secure UPI payments
- International UPI payments
- Mobile and DTH recharges
- Utility bill payments
- Rent payments
- Spend analytics
- Personalized UPI ID
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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.
GoolPay
Send money internationally with ease using a secure peer-to-peer digital payment system. Connect with friends and family globally through a simple, tap-based interface on your mobile device.
- P2P digital payment system
- Cross-border money transfers
- Mobile-first interface
- Secure transactions
- Connect with loved ones globally
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At GoolPay, we've redefined the way you connect with your loved ones. Our state-of-the-art P2P digital payment system lets you send money across borders with just a tap of your phone.
Screenshots
Verdict
The clearest difference is review sentiment: GoolPay at 100% against Paytm's 38%. GoolPay also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). Paytm's advantage is update cadence (every 4 days vs every 26 months) and ratings volume (41K vs 2). On price, in-app purchases, device support and iOS requirement 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.
GoolPay holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Paytm has 41K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 38% of Paytm's written reviews are positive against 100% of GoolPay's.
Paytm ships an update every 4 days, GoolPay every 26 months. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.
| Parameter | Paytm | GoolPay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (41K ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 38.5% of reviews | 100.0% of reviews — better |
| Number of ratings | 41K — better | 2 |
| Update frequency | Every 4 days — better | Every 26 months |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.5 — better | 16.0 |
| Further details — not scored | ||
| Size | 381 MB | 63 MB |
| Age rating | 4+ | 17+ |
| Developer | Paytm Mobile Solutions | GoolPay LLC |
Customer experience
Paytm
GoolPay
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
GoolPay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Paytm
No in-app purchases
GoolPay
No in-app purchases
