What does your UPI handle mean?

Paytm has launched ‘Paytm Postpaid’ on UPI, enabling consumers to make payments using a credit line across all merchant touchpoints. Powered by NPCI and offered in partnership with Suryodaya Small Finance Bank, the service introduces the concept of ‘Spend Now, Pay Next Month’, giving users access to instant short-term credit of up to 30 days. With this feature, Paytm users can scan any UPI QR code, shop online, recharge, pay bills, or make bookings directly on the Paytm app. The company said the service is currently available to a select base of users identified through their spending behaviour and will be expanded gradually. According to Paytm, the move not only gives individuals more flexibility in managing liquidity but also ensures universal merchant acceptance and instant settlement for businesses through the UPI ecosystem. #paytm #postpaid #services #launched #BuyNowPayLater #Credit #PaytmUpdates #startupUpdates #startupro

💡 How payment apps changed the way India pays bills A few years ago, paying a utility bill meant remembering your due date, finding the right portal, entering a 12-digit account number, and hoping the site didn’t crash mid-transaction. Today, that entire experience fits inside a single notification on your phone: > “Your electricity bill is ₹1,230 —> pay now?” ⚡ And millions of us do. Instantly. 🧾 The Shift: From Task to Habit Earlier, paying bills was a monthly chore. Now, it’s a habit loop built by design. Google Pay, PhonePe, and Paytm turned a cumbersome task into a one-tap ritual —> by combining convenience, personalization, and behavioral nudges. ✅ Auto-reminders before due date ✅ Pre-filled bill details (no typing, no errors) ✅ Rewards & cashback hooks (“scratch card unlocked!”) ✅ Instant success feedback (“Payment successful 🎉”) The friction disappeared —> and so did procrastination. #ux #userexperience #product

One 97 Communications, the parent company of Paytm, has rolled out Paytm Postpaid on UPI in partnership with Suryoday Small Finance Bank. The service allows users to “spend now and pay next month,” offering up to 30 days of interest-free credit. According to the company’s disclosure to stock exchanges, the facility enables payments across any merchant UPI QR code, online shopping platform, or within the Paytm app for services such as recharges, bill payments, and bookings. The offering is initially being extended to select users, identified based on their spending patterns, with plans to expand access in the coming months. Read the full story here:👇 https://lnkd.in/dgiM5H29 #UPI #payments #credit #paytm #customers #digitalindia #indianstartupnews

In a sea of sameness of a crowded market, how do you stand out & build a new brand? Take the UPI app #fintech space. Crowded Market:  30+ UPI apps (not counting 600+ bank apps) offer the same functionality. Duopoly of Biggies:  PhonePe, Google Pay, and Paytm command ~90% of UPI volumes. 1/ Lets start with what consumers actually care about: -Speed of transaction -Reliability of success -Security & trust -Ease of use (intuitive UX, easy statements, simple flow) But are these ownable? These are hygiene factors, not differentiators. So where’s the white space? Let’s look at how new brands are trying: 2/ Navi → “Speed” narrative Positioned as the fastest UPI app. Loved thier slick recent campaign (in video). But is speed truly differentiating when others already operate in milliseconds? Dont think so. 3/ super.money → “Rewards” narrative The app claims 5% cashback on every UPI transaction. The Jonty Rhodes campaign (with "catch/cash back" connection :)) stretches your imagination (in video); but can cashbacks make a brand rememberable? Dont think so. 4/ MobiKwik → Wallet narrative  Tapping into UPI pain points: messy bank statements, bank acct privacy etc. I feel some ownable space of unique story (given paytm crisis made them miss wallet advantage); calls it as "Pocket UPI". 5/ Meanwhile, the biggies aren’t playing the hygiene game anymore; they’re building ecosystems: PhonePe → Add-ons: FASTag, insurance, UPI circles. Google pay → Use-cases: Train tickets, shopping, daily payments. Interestingly, all big ones have built distincitive assets to build memory too - “Tick Hai” (GPay) “Paytm Karo” (Paytm) "पे" in logo (Phonepe) (Only UPI app with devanagri letter in logo) What would be your wedge if you were launching the next #UPI app? ------- I write on #D2C #brand building, growth strategy, and #marketing insights. #runningmarketer

Paytm Postpaid on UPI is a smart move—offering up to 30 days of interest-free credit across UPI payments and app services. Rolling it out based on spending patterns is a thoughtful approach, and it will be interesting to see how it scales to more users soon.

In a milestone move, Paytm has rolled out Postpaid on UPI in partnership with Suryoday Small Finance Bank Ltd and powered by NPCI, letting users make UPI QR code payments instantly and settle the bill later. How it works: Users get up to 30 days of interest-free credit, no immediate cash needed. They can scan any UPI QR code (offline or online) and pay using this credit line. The facility is built right into UPI — no separate card, no new app — just seamless usage. Paytm claims this bridges the gap between traditional credit cards and daily UPI payments — suited for groceries, utility bills, street vendors, and small-ticket purchases. This addition could reshape how Indians use credit — making it more accessible, flexible, and embedded in everyday payment habits. #paytm #Postpaid #Launches #IntrestFreeCredit #SuryodayBank #Npci #StartupUpdates #Startupro

🚀 Paytm Launches Paytm Postpaid on UPI! Paytm, in partnership with Suryoday Small Finance Bank, has rolled out Paytm Postpaid – a credit line on UPI that lets you spend now and pay next month! 💳✨ 🔑 Key Highlights ✅ Interest-free up to 30 days – enjoy worry-free payments. ✅ Credit limit up to ₹60,000 – pre-approved for eligible users. ✅ Pay seamlessly via UPI QR codes, online platforms, and inside the Paytm app. ❌ Note: Person-to-person transfers not allowed. ✅ Instant activation through the Paytm app – just complete KYC, Aadhaar authentication & set UPI PIN. ✅ One bill, one date: All spends consolidated on the 1st of every month. ✅ Nominal fees only on used amounts. ✅ Revolving credit – repay and your limit gets refreshed instantly. 💡 Currently being rolled out to select users based on spending behavior, with wider access coming soon. 📌 With this, Paytm steps right at the intersection of India’s booming UPI ecosystem and consumer credit revolution

💡 UPI just got safer from 1st October! From now on, Google Pay, PhonePe, Paytm and other UPI apps will no longer support “Request Money (P2P Collect)” feature. ❌ No more random payment requests in your inbox. ✅ Only you decide when & whom to send money. 👉 Why this matters? This step by NPCI is aimed at reducing fraud attempts, fake requests, and accidental approvals. A simple change, but a big boost in keeping digital transactions secure. 📌 Takeaway: In digital finance, control = security. #UPI #DigitalIndia #Fintech #NPCI #DigitalSecurity

Big news! Paytm has partnered with Suryodaya Small Finance Bank to launch "Paytm Postpaid" as a credit line on UPI. This new feature allows users to "Spend Now, Pay Next Month" with up to 30 days of interest-free credit. This is a game-changer for digital payments, offering instant, short-term credit across all UPI QR codes and online platforms. It's a great example of #Fintech innovation that combines convenience with responsible credit access, helping to empower millions of users. Read more about this collaboration here: https://lnkd.in/dH-Ev2Du #Paytm #SuryodayaSmallFinanceBank #UPI #DigitalPayments #FinancialInclusion #CreditLine #India

Paytm Launches Postpaid on UPI: Spend Now, Pay Next Month 💳 . In a major push for digital credit adoption, Paytm has rolled out Postpaid on UPI - a credit line facility allowing users to shop, pay bills, recharge, and scan QR codes with UPI, while paying the bill in the next cycle. Partnering with Suryoday Small Finance Bank and NPCI, the service offers up to ₹60,000 monthly credit with an interest-free grace period of up to 30 days. At launch, the feature is open to eligible users directly within the Paytm app. Onboarding involves Aadhaar based KYC, a UPI mandate, and PIN setup, making credit access as simple as a few taps. This move builds on UPI’s massive reach and aligns with India’s broader push for digital financial inclusion, short term liquidity solutions, and consumer convenience. For merchants, it means wider acceptance with assured settlements, while consumers enjoy flexibility and seamless spending power. As UPI evolves beyond instant bank transfers into a credit driven ecosystem, Paytm Postpaid could set the stage for mainstream BNPL 2.0 in India. What do you think, will credit on UPI redefine BNPL and everyday digital payments in India? Share your perspective below 👇 Follow GyanInfinet for more updates on fintech, digital trends, and India’s growth stories 🚀 #GyanInfinet #UPI #Paytm #DigitalPayments #Fintech #Innovation #BNPL #FinancialInclusion #IndiaDigital #UPICredit #Technology