Comparison

Paytm vs fastPay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Secure UPI payments
  • International UPI payments
  • Mobile and DTH recharges
  • Utility bill payments
  • Rent payments
  • Spend analytics
  • Personalized UPI ID
Features
Read full description

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.

About

fastPay

Manage all your financial transactions easily from anywhere. Load balance, send money 24/7, pay bills, top up transportation cards, and make contactless QR code payments with instant cashback. Easily pay credit card debt and mobile phone credit.

Highlights
  • Load balance via bank card or EFT
  • 24/7 money transfers
  • Top up public transportation cards
  • Contactless QR code payments with cashback
  • Pay bills securely
  • Pay credit card debt
  • Mobile top-up
Read full description

Payments Are Now Easier and Faster with DenizPay! With its practical use and advanced features, DenizPay allows you to manage all your financial transactions easily from anywhere, whenever you want. You can load balance into your DenizPay wallet using any bank card or via EFT. You can deposit money without a card at DenizBank ATMs or quickly top up your wallet via EFT from any bank. With 24/7 money transfers, you can send money without time restrictions. Simply enter the recipient’s IBAN or mobile phone number to transfer money at any time of the day. You can top up public transportation cards such as Istanbulkart and Kentkart without waiting in line. Use any bank or credit card linked to DenizPay, or load balance instantly from your DenizPay wallet whenever you want. You can pay your electricity, water, natural gas, mobile phone, and telecommunication bills securely and quickly. Complete your payments in just a few seconds using your DenizPay balance or your bank/credit card. At locations that accept MetropolCard, you can enjoy faster shopping with contactless QR code payments. Moreover, when you pay using your DenizPay balance, you earn instant cashback! Simply scan the QR code at checkout and pay instantly—no cash or card needed. You can easily pay your credit card debt from any bank via DenizPay. Link your card to DenizPay to speed up the payment process or add a new card to complete your transaction. Mobile Top-Up You can easily top up mobile phone credit using your DenizPay balance or your linked cards. Whether it’s your own number or another number, just top up anytime you want. Download DenizPay now, speed up your financial transactions, and simplify your life. Because great things happen with DenizPay!

Screenshots

Paytm4 screens
fastPay4 screens

Verdict

The call

The clearest difference is rating: Paytm at 4.7 against fastPay's 3.8. Paytm also leads on update cadence (every 4 days vs monthly) and ratings volume (40K vs 47). fastPay's advantage is iOS requirement (13.0 vs 15.5). On price, review sentiment, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Paytm holds the better App Store score, 4.7 against 3.8. That said, the two scores are not equally well evidenced: Paytm has 40K ratings behind it against 47, so its average is the more settled of the two. Written reviews complicate that: 37% of Paytm's written reviews are positive against 38% of fastPay's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Paytm ships an update every 4 days, fastPay monthly. The most recent releases landed on September 27, 2026 and June 1, 2026 respectively.

Scorecard4 real differences · 6 level
Paytm versus fastPay: the parameters behind the verdict, then further details
ParameterPaytmfastPay
PriceFreeFree
Rating4.7 (40K ratings) — better3.8 (47 ratings)
Positive reviews36.8% of reviews38.1% of reviews — better
Number of ratings40K — better47
Update frequencyEvery 4 days — betterMonthly
AdsYesYes
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.513.0 — better
Further details — not scored
Size361 MB269 MB
Age rating4+12+
DeveloperPaytm Mobile SolutionsfastPay Elektronik Para ve Odeme Hizmetleri Anonim Sirketi

Customer experience

Paytm

All ratings39,516 ratings
Positive92.7%
Neutral3.4%
Negative3.9%
Written reviews372 reviews
Positive36.8%
Neutral4.6%
Negative58.6%

fastPay

All ratings47 ratings
Positive70.2%
Neutral2.1%
Negative27.7%
Written reviews21 reviews
Positive38.1%
Neutral14.3%
Negative47.6%

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

fastPay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Paytm

No in-app purchases

None

fastPay

No in-app purchases

Questions

Is Paytm free?
Paytm is free to download, with no in-app purchases.
Is fastPay free?
fastPay is free to download, with no in-app purchases.
Which has better reviews, Paytm or fastPay?
Paytm is rated higher. Paytm averages 4.7 out of 5 from 40K ratings, while fastPay averages 3.8 from 47 ratings.
Do Paytm or fastPay have ads?
Both Paytm and fastPay show ads.
Which is updated more often, Paytm or fastPay?
Paytm ships an update every 4 days, and fastPay monthly. Most recently, Paytm was updated on September 27, 2026 and fastPay on June 1, 2026.

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