{"app_store_id":473941634,"slug":"paytm-secure-upi-payments-473941634","name":"Paytm: Secure UPI Payments","subtitle":"UPI, Recharge & Pay Bills","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/3a/42/d7/3a42d722-cdbb-ba50-d09f-ee68f77e36ec/AppIcon-0-0-1x_U007ephone-0-1-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/paytm-secure-upi-payments/id473941634?uo=4","price":0,"currency":"USD","rating":4.66559,"rating_count":40256,"in_app_purchases":false,"recent_rating":3.08,"recent_review_count":13,"reviews_checked_at":"2026-10-16T03:41:51.807Z","primary_genre":"Finance","version_date":"2026-10-16T19:41:42Z","updated_at":"2026-10-20T09:48:11.612Z","stale":false,"missing_since":null,"one_liner":"Paytm is a finance app for sending and receiving money through UPI, paying bills, recharges and online stores.","verified_maker":false,"maker_site":null,"file_size_bytes":394175488,"minimum_os":"15.5","content_rating":"4+","language_count":2,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/8c/f4/88/8cf488b1-83bc-dcf0-fcc7-dcd6657343f5/1_iPhone_6_U002b_Trusted_by_50_U002b_Crore_Indians.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/16/8f/3b/168f3b3e-71d8-1c82-ac34-393fb9bc74ce/2_iPhone_6_U002b_Scan_Pay_Done.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/07/8f/e0/078fe095-2217-fe50-f91b-bc2443da810b/iPhone_6_U002b_Gold_Points.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/45/6a/e4/456ae474-9e7b-c5b8-5df3-3bdd27733ae2/4_iPhone_6_U002b_Bills_on_time.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/dc/49/00/dc490022-d4f6-888b-907c-a40fab26b988/5_iPhone_6_U002b_Your_payments._Your_privacy.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/29/13/cb/2913cb2e-bb17-3c07-73ca-304f1e84e405/7_iPhone_6_U002b_All_accounts._One_view.png/392x696bb.png","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/45/28/a4/4528a44d-a306-3db4-2cb9-fcb9c1a03fd7/iPhone_6_U002b_Grow__U0026_Protect.png/392x696bb.png"],"developer_name":"PayTM Mobile Solutions Private Limited","editors_choice":false,"url":"https://apptierlist.com/apps/paytm-secure-upi-payments-473941634/","api_url":"https://apptierlist.com/api/v1/apps/paytm-secure-upi-payments-473941634","schema_version":"1.0","generated_at":"2026-10-21T20:21:41.392Z","data_as_of":"2026-10-21T20:21:12.882Z","description":"Paytm (पेटीएम) - Built for India. Trusted by 50 Crore+ Indians.\nWe 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.\n\nPaytm 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.\n\nWhy Paytm?\n● India's safest, most secure UPI money transfer app\n● Powered by top Indian banks\n● Built-in privacy: hide/unhide payments, personalised UPI ID, QR scan without sharing number, no OTP card swipes\n\nInnovations Only on Paytm UPI\n1. Hide & Unhide Payments - Only you control your transaction visibility.\n2. Personalised UPI ID - Choose name@ptyes or name@ptaxis instead of revealing your number.\n3. Download UPI Statements in Excel + PDF - Great for tracking, accounting, or tax filing.\n4. Spend Analytics - Categorised spend insights, month-on-month tracking.\n5. Total UPI Bank Balance - View balances across all linked accounts instantly (only for Paytm users).\n6. Receive Money Widget - Coin sound & notification every time you receive a payment.\n7. Scan & Pay Widget - Scan QR right from your home screen.\n8. Smart Bank Transfer Autofill - Copy-paste account info from WhatsApp, Paytm fills it correctly.\n9. Auto Top-Up for UPI Lite - Never run out of Lite balance with automated top-ups.\n10. Self Transfers - Move money between your own bank accounts instantly.\n\nPayment Methods – UPI Your Way\n● Paytm UPI - Send and receive money using just a mobile number. Scan any QR code, pay at shops, and more.\n● 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.\n● RuPay Credit Card on UPI - Link your RuPay card and pay via UPI. No OTP, no CVV. Earn rewards at shops and online.\n● UPI AutoPay - Enable recurring payments for subscriptions, SIPs, rent, and more.\n\nRecharges, Utility Bill Payments & More\n● Recharge mobile (prepaid/postpaid) with Jio, Airtel, VI, MTNL, BSNL\n● DTH (TataPlay, Sun Direct, Airtel Digital TV, etc.)\n● Electricity, water, gas, broadband, insurance, FASTag, challans, EMIs & more\n\nPay at Online Stores\n● 100+ apps supported - food delivery, grocery, shopping & OTT\n\nSet UPI PIN\n● Secure every transaction. 4 or 6-digit UPI PIN setup required.\n\nRent Payments Made Easy\n● 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.\n\nPaytm Card Machines (Soundbox + Swipe)\nMerchants across India now accept Paytm card machines. You can:\n● Scan QR and pay\n● Swipe credit/debit cards securely\n All with real-time payment confirmation via iconic Paytm sound.\n\nPersonal Loans on Paytm (only available to users in India)\n● Loan: ₹50,000 to ₹25,00,000\n● Loan Tenure: 6–60 months\n● Loan Interest Rate: 10.99%–35% p.a.\n● Loan Processing Fee: 0–6%\n\nExample: ₹1,00,000 @23% for 18 months, 4.25% fee. EMI = ₹6,621. Total Payable = ₹1,19,186\n\nLending 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\n\nCheck Credit Score for Free to Get Instant Cash Loan\n\nTravel Made Easy\n● Trains: IRCTC-authorised e-ticket partner - booking, PNR, cancellations, live train status\n● Buses: Instant ticketing with major operators\n● Flights: Compare fares, book and manage trips easily\n\nContact Us\nOne97 Communications Ltd.\nOne Skymark, Tower-D, Plot No. H-10B, Sector-98, Noida, UP 201304\n\nPaytm Money Ltd. is a wholly owned subsidiary of One97 Communications Ltd., registered with SEBI & PFRDA.","facts":{"developer_id":473941637,"developer_url":"http://www.paytm.com","first_released":"2011-10-24T23:18:48Z","support_url":"https://paytm.com/company/terms-and-conditions","privacy_url":"https://paytm.com/company/terms-and-conditions","website_url":"http://www.paytm.com/","app_version":"10.86.2","release_notes":"Spit, Shine & Squashed Bugs\nWe chased down some pesky bugs and gave everything a quick buff, so the app feels faster and smoother every single time you open it.","rating_current_version":4.66559,"rating_count_current_version":40256,"star_counts":[1118,438,1358,4940,32209],"genres":["Finance"],"languages":["EN","HI"],"content_advisories":["Infrequent/Mild Contests"],"device_families":["iphone","ipod"],"chart":null},"freshness":{"apple_read_at":"2026-10-20T09:48:11.612Z","catalog_read_at":"2026-10-14T00:13:49.466Z","reviews_checked_at":"2026-10-16T03:41:51.807Z","summary_written_at":"2026-10-12T11:43:56.511Z","placed_at":"2026-10-09T03:59:53.925Z","scored_at":"2026-10-21T20:21:12.882Z"},"editorial":{"one_liner":"Paytm is a finance app for sending and receiving money through UPI, paying bills, recharges and online stores.","what_is":"Paytm is a free Finance app for making payments via UPI, including sending money to a mobile number, scanning QR codes, and using UPI Lite for PIN-less payments up to ₹4,000 per day. The listing also describes recharges and utility bill payments, RuPay credit card linking on UPI, UPI AutoPay for recurring payments, and monthly UPI statements downloadable in Excel and PDF. UPI payments work internationally in several listed countries.","good_for":["Sending money to contacts using a mobile number","Paying electricity, water, gas or broadband bills","Recharging prepaid or postpaid mobile numbers"],"pricing":"Paytm: Secure UPI Payments is free, with no in-app purchases on the App Store.","faq":[{"q":"Is the app free to download and use?","a":"The App Store listing shows the price as free. The listing does not state whether any in-app purchases or fees apply."},{"q":"Can I use it to pay bills and recharge mobile numbers?","a":"You can recharge mobile (prepaid or postpaid) with Jio, Airtel, VI, MTNL and BSNL, pay DTH, and pay electricity, water, gas, broadband, insurance, FASTag, challans and EMIs."},{"q":"Does it work outside India?","a":"The listing says Paytm UPI works internationally in UAE, Singapore, France, Mauritius, Bhutan, Sri Lanka and Nepal. It does not state details of fees or exchange rates for these payments."}],"model":"claude-haiku-5-5","created_at":"2026-10-12T11:43:56.511Z"},"memberships":[{"list":"payment-processing","list_name":"payment processing","list_status":"active","list_url":"https://apptierlist.com/best/payment-processing/","position":4,"tier":"S","score":94.7,"components":{"rating":93.3,"votes":87.5,"rank":98,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-09T03:59:53.925Z"},{"list":"money-transfer","list_name":"money transfer","list_status":"active","list_url":"https://apptierlist.com/best/money-transfer/","position":48,"tier":null,"score":70.2,"components":{"rating":93.3,"votes":87.5,"rank":0,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"provisional","judged_at":"2026-10-09T03:59:53.925Z"}],"main_list":"payment-processing","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":168518,"at":"2026-10-19T04:20:11.908Z","kind":"tier_changed","list":"money-transfer","app_store_id":473941634,"app":"paytm-secure-upi-payments-473941634","from":"C","to":null,"reason":"rank shift: #43, below the tiered top 40","job":"rescore"},{"id":118361,"at":"2026-10-16T03:40:51.817Z","kind":"tier_changed","list":"payment-processing","app_store_id":473941634,"app":"paytm-secure-upi-payments-473941634","from":null,"to":"S","reason":"checked from the list's side: ranked #4","job":"rescore"},{"id":118341,"at":"2026-10-16T03:40:51.817Z","kind":"tier_changed","list":"money-transfer","app_store_id":473941634,"app":"paytm-secure-upi-payments-473941634","from":null,"to":"C","reason":"checked from the list's side: ranked #18","job":"rescore"},{"id":112539,"at":"2026-10-15T16:02:00.413Z","kind":"tier_changed","list":"payment-processing","app_store_id":473941634,"app":"paytm-secure-upi-payments-473941634","from":"S","to":null,"reason":"under review: not checked from the list's side yet","job":"rescore"},{"id":111104,"at":"2026-10-15T15:46:10.795Z","kind":"tier_changed","list":"money-transfer","app_store_id":473941634,"app":"paytm-secure-upi-payments-473941634","from":"C","to":null,"reason":"under review: not checked from the list's side yet","job":"rescore"},{"id":78911,"at":"2026-10-14T13:06:19.872Z","kind":"tier_changed","list":"money-transfer","app_store_id":473941634,"app":"paytm-secure-upi-payments-473941634","from":"D","to":"C","reason":"score 70.2","job":"rescore"},{"id":76103,"at":"2026-10-14T05:36:53.695Z","kind":"tier_changed","list":"money-transfer","app_store_id":473941634,"app":"paytm-secure-upi-payments-473941634","from":"C","to":"D","reason":"score 70.2","job":"rescore"},{"id":54886,"at":"2026-10-11T00:37:53.832Z","kind":"tier_changed","list":"payment-processing","app_store_id":473941634,"app":"paytm-secure-upi-payments-473941634","from":"A","to":"S","reason":"score 94.9","job":"rescore"},{"id":50720,"at":"2026-10-10T07:01:47.468Z","kind":"tier_changed","list":"payment-processing","app_store_id":473941634,"app":"paytm-secure-upi-payments-473941634","from":null,"to":"A","reason":"score 94.9","job":"rescore"},{"id":50402,"at":"2026-10-10T06:45:02.955Z","kind":"tier_changed","list":"money-transfer","app_store_id":473941634,"app":"paytm-secure-upi-payments-473941634","from":"F","to":"C","reason":"score 81.1","job":"rescore"},{"id":45917,"at":"2026-10-09T16:30:49.977Z","kind":"tier_changed","list":"money-transfer","app_store_id":473941634,"app":"paytm-secure-upi-payments-473941634","from":null,"to":"F","reason":"score 70.2","job":"rescore"},{"id":33503,"at":"2026-10-09T03:59:53.925Z","kind":"membership_added","list":"payment-processing","app_store_id":473941634,"app":"paytm-secure-upi-payments-473941634","from":null,"to":"active","reason":"Used to pay for goods and services via UPI and QR; the listing also mentions Soundbox and in-store devices for receiving merchant payments.","job":"fill"},{"id":33502,"at":"2026-10-09T03:59:53.925Z","kind":"membership_added","list":"money-transfer","app_store_id":473941634,"app":"paytm-secure-upi-payments-473941634","from":null,"to":"active","reason":"Core job: UPI money transfer app to send and receive money, including internationally in UAE, Singapore and other countries.","job":"fill"},{"id":25012,"at":"2026-10-09T03:10:04.928Z","kind":"app_added","list":null,"app_store_id":473941634,"app":"paytm-secure-upi-payments-473941634","from":null,"to":null,"reason":"discovered","job":"fill"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"payment-processing","list_name":"payment processing","status":"active","review_status":"checked","position":4,"tier":"S","score":94.7,"components":{"rating":93.3,"votes":87.5,"rank":98,"recency":100},"ranks":[{"country":"us","rank":7},{"country":"gb","rank":5},{"country":"ca","rank":1},{"country":"au","rank":1},{"country":"de","rank":1}],"verdicts":[{"verdict":"keep","reason":"The app's core purpose is making payments for goods and services, including QR merchant payments, bill pay and recharges. This puts it alongside Venmo and PayPal in this list.","verifier":"list check","decided_at":"2026-10-16T02:59:51.813Z","attempts":1,"current":true},{"verdict":"keep","reason":"Used to pay for goods and services via UPI and QR; the listing also mentions Soundbox and in-store devices for receiving merchant payments.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-09T03:59:53.925Z","attempts":1,"current":false}]},{"list":"money-transfer","list_name":"money transfer","status":"active","review_status":"checked","position":48,"tier":null,"score":70.2,"components":{"rating":93.3,"votes":87.5,"rank":0,"recency":100},"ranks":[],"verdicts":[{"verdict":"keep","reason":"Paytm is a UPI payments app built around sending and receiving money person to person. That makes it a direct alternative to Venmo and Cash App.","verifier":"list check","decided_at":"2026-10-16T02:59:51.813Z","attempts":1,"current":true},{"verdict":"keep","reason":"Core job: UPI money transfer app to send and receive money, including internationally in UAE, Singapore and other countries.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-09T03:59:53.925Z","attempts":1,"current":false}]}]},"data_version":40250,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/paytm-secure-upi-payments-473941634/"}}