Paytm: Secure UPI Payments

Name: Paytm: Secure UPI Payments
Rating: 4.66777 (38784 reviews)

Finance

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Paytm: Secure UPI Payments

Finance

4.7

38.8K ratings

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PayTM Mobile Solutions Private Limited

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User Reviews for Paytm: Secure UPI Payments

Unable to pay from wallet despite completing KYC with Aadhar

The App is totally unhelpful in providing a solution to problems faced in making payment from wallet even after completing the KYC with Aadhar verification and submitting the PAN particulars. On one hand it says that your KYC is complete and you can transfer money to another person having Paytm account,but when you try to put through the transaction by opting for payment from wallet it says that your KYC is not complete and you have to upgrade your account. Even on the home page a sign of exclamation keeps on appearing. Since it is altogether impossible to reach their Customer Support people on phone, the App is totally useless in providing solutions to your problems.

9818429328, Jul 30, 2020

Most pathetic customer service

The product might be ok but the customer service is the absolute worst. I wish I could give them negative stars. I’ve been trying to redeem my funds for the past 2 months and it hasn’t happened yet. They take ages to respond, and when they do, they just blurt out the process steps without coming to a solution or understanding my problems. I’ve sent two dozen emails, and phone calls don’t help either. I’ve also contacted them on Facebook and Twitter, but with no success.This company is a perfect representation of yesteryear government babu-like employees who are lazy, do not like to work, will not help the customer at any cost, take no pride in their work, and live ordinary lives.Give it 10-15 years, and they will all be replaced by bots, and they will be out on the streets. I absolutely hate this company from the bottom of my heart and wish for its downfall.

dirtytackle, Feb 23, 2021

Passbook feature needs update

Overall App experience is very good but I have problem with Passbook feature. All the transactions are in order from older to recent which makes no sense. I have to swipe all the way down to see my recent transaction and there is no filter option to change this order. Another problem is all the transactions have same dates in passbook so we can’t figure which are new and which are old. Ofcourse, we can check the transaction dates in “My Order” tab but then what’s the use of Passbook?!

Dj.Dabhi, Aug 29, 2019

KYC hasn’t been working for months

KYC hasn’t been working for months so the app and service are quite useless. You can’t load money into the Paytm wallet without KYC, and there’s nothing you can do with the service without loading money into it.What’s worse is that the app description doesn’t inform you about any of these problems. It tells you it allows KYC but that doesn’t work. It tells you to open a Paytm bank account but when you try to do that you get a message that no new accounts are being opened at this time. This has also been going on for months. The least that Paytm should do if they can’t get their service working is to correct the app description.

ExperiencedAppUser, Dec 27, 2018

Horrible experience with Paytm and customer support

I transferred money to my friend via Paytm UPI pay, the app displayed that the transfer was successful right away but my friend did not receive the money.The customer service was horrible despite me providing them the information they wanted, they did not have the technical capability to download an attachment despite me sending it to them multiple times. After 2 weeks they are demanding the latest statement! All they want to do is close ticket without a resolution.You are better off using a traditional bank for online transfers. Faster and reliable!!

haxorhead, Jul 12, 2020

Money added in Gift voucher

Last week I tried to add money to my PayTM Wallet but was not allowed pending KYC renewal. When I tried again, it allowed me to add money but this got added to Gift Voucher without any warning or questions. We cannot transfer money from Gift voucher to individuals who are not merchants. Now my money has got stuck in Gift voucher and I am forced to spend it through some transactions with merchants. This is not fair and makes me feel cheated. Also another observation was that I was not allowed to transfer money to someone from my Bank account just because I am using iPhone 6. This is really frustrating! When other apps allow, why is PayTM making it difficult?

Hrishikesh G, Oct 09, 2020

UI glitches and notifications abuse

This app feels like a mobile web version instead of a native app. It’s perhaps not a native UIKit or SwiftUI app but cheap React Native or something. Not saying using those frameworks is bad but using those and not providing a great experience is definitely bad and that’s on developer, not framework provider. Many times the parts of the app UI go under status bar and/or homebar making me think it ignores SafeArea insets.This app sends me promotional notifications even though I have unchecked all types of notifications in the app setting. I still receive spam notifications. This is clearly an abuse of Push Notifications and I’ll be reporting it.Apart from all that really bad UX and malpractices, the app does the job, mostly, so 3 stars.

hvkale, Apr 05, 2022

Good app but buggy

It used to be a very good app with good cash back and instant posting of the bills. 1. Now there's no more cash back offers on postpaid bills (both on App/ Web). All I see is "Lucky 200" or some crappy offer.2. Why is the "Fast forward" a default option when making payment? So you don't want your users to apply for cashback promo codes and by pass them directly to payment?!? 3. Why is that everytime when I select a biller (For exa: Vodafone postpaid) and proceed to payment, I'm logged out and prompted for login. Then I login with my cached credentials to proceed further. This happens for every bill that I do on website. 4. Why is the App or website unable to fetch details of my bills most of the times? This happens with BSNL and TNEB bills every time. 5. Why the heck does the app is not updating? It shows in App Store that an update is ready but the App won't update when I click "Update" button. It doesn't even progress. I'm using iPhone X running on IOS 12.1.2

Sabby USA, Mar 22, 2019

Third class, hopeless app

I want to say that PayTM is one useless app. I have done KYC. First thing I don't understand, why does PayTM want to gather my biometrics while doing KYC while Aadhaar has already done KYC. Secondly, pertaining to app functionality, even after doing KYC, viz attaching Aadhaar & PAN details, whenever I open app and go to "Add money" it asks me to "Complete KYC". When I click on this, it says, " Great! Go shopping". After clicking on that, it takes me back to "Complete KYC", and here it teaches me a lesson on recursion for the next 10 minutes. THIRD CLASS BULLOCKS APP!!Then again, in spite having of having money in PayTM, it will show zero whenever I want to make payments. Don't wanna waste time writing more on bugs in this stupid app.I use iOS 11, BTW. Hate this!Edit 1 -> Oh yes there's one more error I get very very frequently, which interrupts me a lot while making payments - "A server with the specified host name could not be found".This particular error has landed me in very embarrassing situations in front of my peers when I offered to pay for treats.This error is shown only on PayTM. No other app on my iPhone has harassed me so much. I use the only few selected WiFi's most of the time.

The Extropian, Mar 24, 2018

Takes too long to load

I use paytm a lot and I love it. There are many times, I am in a line to buy something, open paytm to scan and it takes way too long before I can click pay. It shows many notifications to link my bank, loads all the offers and what not and feels very sluggish. This ruins the the otherwise great experience of instance payment that paytm offers.

vvvttt2015, Jun 20, 2018

Description

Paytm (पेटीएम), India’s #1 Payment App, is trusted by more than 45 Crore Indians. Paytm is one stop solution for all your payment needs: ● Send money to your friends and family using mobile number via Paytm UPI. Including those who are not on Paytm. ● Scan any QR code and make payments at grocery stores, petrol pumps, restaurants etc. ● Recharge your mobile and pay your utility bills (electricity, gas, water, broadband etc.) easily.

Just link your bank account on Paytm with your registered phone number and get started. Download now! Safe, Reliable and Superfast UPI Payments ● Enter mobile number & transfer money to anyone using Paytm UPI. ● Check your bank account balance and view transaction history on Paytm. ● Your UPI ID is a unique ID used to make payments using Unified Payment Interface (UPI). ● Set your UPI PIN, which is a 4 or 6 digit number. It’s mandatory to set the PIN while creating UPI ID on the UPI app. ● Use UPI Lite for lightning-fast UPI Payments up to Rs 200, no PIN required. Fast, Secure & Contactless QR code Payments ● Instant payment at any shop with our UPI payment app Easy Recharge and Utility Bill Payments ● Recharge your mobile, DTH or pay electricity bills, broadband, water and other utility bills ● Find latest prepaid recharge plans & mobile recharge offers on Jio recharge, Airtel recharge, Vodafone Idea (VI) recharge, MTNL & BSNL recharge ● Buy & recharge fastag Fast & Reliable Payments at Online Stores ● Make payment at food delivery, grocery, shopping & entertainment apps/sites & other 100+ apps. Find great deals on grocery, food, and home decor items on Paytm ONDC app ● Shop grocery, food, electronics, home decor, and fashion on Paytm ONDC from stores near you at the lowest prices. Check Free Credit Score Get Instant Pre-approved Personal Loans ● Loan amount starting from 10K to 2.5 lac ● Repay loan within 3-60 months ● Annual percentage rate (APR) (per annum monthly reducing): 10.5-35% ● Loan Processing fee: 0- 6% Note: Personal Loans are only available to Indian citizens within the territory of India Lending partners (NBFC): ● Hero Fincorp Ltd: https://www.herofincorp.com/partners ● Aditya Birla Finance Ltd: https://personalfinance.adityabirlacapital.com/pages/individual/platform_partners.aspx ● Clix Capital Services Pvt. Ltd: www.clix.capital/our-partners/paytm/ Example: Loan amount: 100,000, Interest 23%, Processing fee 4.25%, Tenure 18 Loan processing fee: Rs.4250 Stamp duty charges: applicable as per law EMI per month: Rs.6621 Total interest: Rs.19178 Disbursal amount: Rs.94785 Amount Payable: Rs.119186 Use Postpaid Loan for all your everyday spends ● Postpaid Loan is a Spend Credit facility offered by Paytm’s NBFC partners in the form of small on-demand loans. It can be used to make online/offline purchases: groceries, fuel, shopping, restaurants, etc. Get instant credit of up to 60,000 and repay by 7th of next month. ● Credit Limit: 1,000 to 60,000 ● Bill generation: 1st of every month ● Last date for repayment: 7th of the month ● Convenience fee: 0% to 3% plus GST Eg: A user has credit limit of 10,000 with 1% convenience charge. If the user spends Rs. 5,000 in Jan, then on 1st Feb a bill for Rs.5,059 (spends + 1% convenience fee + GST) will be generated. Our Lending partners: ● Aditya Birla Finance Ltd ● SMFG India Credit Company Ltd (Formerly Fullerton India Credit Company Ltd.) Book Tickets for Trains, Bus, & Flights ● Book domestic & international flights, bus tickets online ● Paytm is an authorized IRCTC partner for Rail e-ticket booking, cancellation, PNR status & live train status Contact Us One 97 Communications Limited One Skymark, Tower-D, Plot No. H-10B,Sector-98, Noida UP 201304 IN *Paytm Money Ltd. is a wholly owned subsidiary of One97 Communication Ltd. (Paytm) and is registered with SEBI and PFRDA as Stock broker (INZ000240532) and e-pop (269042019) for NPS services