Paytm launches 'Paytm Postpaid' on UPI for instant credit.

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

💸 Why some UPI apps give cashback on every payment and why giants like PhonePe & Paytm mostly don’t Lately, apps like POP, Navi, and others are practically throwing cashback at users. Every transfer gives coins, rewards, or even direct money. Sounds amazing but how do they do it, and why don’t the big players follow suit? Here’s the secret: 1️⃣ Investor-backed growth – Startups raise funds specifically to attract users. The cashback is essentially a customer acquisition subsidy. 2️⃣ Merchant & partner support – Brands co-fund rewards to get more customers. The app passes part of it to you. 3️⃣ Long-term bets – Cashback users can later be converted into customers for higher-margin services like loans, cards, or subscriptions. 4️⃣ Data advantage – Frequent transactions give insights that help startups target offers and improve retention. Meanwhile, PhonePe, Paytm, and Google Pay behave differently: At their scale, constant cashback is astronomically expensive. Regulatory scrutiny and merchant partnerships limit free-for-all giveaways. Their revenue comes from loans, insurance, merchant services, and targeted loyalty programs not blanket rewards. ✅ Takeaway: Small UPI apps use cashback to grow fast and collect data; big incumbents focus on sustainable monetization. The giveaways are exciting, but often short-term. Curious to know what you think do you chase cashback or stick with trusted apps? 💡 #FinTech #DigitalPayments #UPI #Cashback #StartupStrategy #ConsumerBehavior

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, the fintech brand owned by One97 Communications Limited, has launched ‘Paytm Postpaid’ service on UPI. With Paytm Postpaid, consumers can make payments using a credit line on UPI across all merchant touchpoints, the company said in a statement on Friday. With this, customers will be offered ‘Credit Line’ on UPI, powered by National Payments Corporation Of India (NPCI) and in partnership with Suryodaya Small Finance Bank. “This innovation enables consumers with instant short-term credit and offers the convenience of ‘Spend Now, Pay Next Month’, the statement said. With ‘Paytm Postpaid’, consumers can scan any UPI QR code, shop online, or pay for recharges. They can also do bill payments and perform bookings on the Paytm app. “The facility offers up to 30 days of short-term credit, giving individuals the flexibility to spend instantly and repay the following month. It makes everyday payments smarter, faster, and more reliable.” .. #RisingStartup #Paytm #UPI #Payments #Credit #StartupNews

Paytm, the fintech brand owned by One97 Communications Limited, has launched ‘Paytm Postpaid’ service on UPI. With Paytm Postpaid, consumers can make payments using a credit line on UPI across all merchant touchpoints, the company said in a statement on Friday. With this, customers will be offered ‘Credit Line’ on UPI, powered by National Payments Corporation Of India (NPCI) and in partnership with Suryodaya Small Finance Bank. “This innovation enables consumers with instant short-term credit and offers the convenience of ‘Spend Now, Pay Next Month’, the statement said. With ‘Paytm Postpaid’, consumers can scan any UPI QR code, shop online, or pay for recharges. They can also do bill payments and perform bookings on the Paytm app. “The facility offers up to 30 days of short-term credit, giving individuals the flexibility to spend instantly and repay the following month. It makes everyday payments smarter, faster, and more reliable.” “The service is currently being rolled out to a selected base, identified through spend behaviour, and will be expanded to more consumers in the coming period,” the company said. .. #RisingStartup #Paytm #UPI #Payments #Credit #StartupNews

Paytm founder Vijay Shekhar Sharma says the company’s QR code payment model, once pioneered in India, is now influencing digital economies across the world. He explained that unlike card-based systems requiring costly POS machines, Paytm shifted compute and network to consumer smartphones, dramatically reducing costs for merchants. This made digital payments accessible to even the smallest kirana shops and street vendors. The model has inspired UPI in India, Pix in Brazil, and has become mainstream in Southeast Asia, where QR payments are now a daily habit. Sharma calls it proof that the developing world can export financial innovations to developed markets, making inclusive payments a global standard. Image Credit: YourStory #paytm #founder #madeInIndia #innovation #GlobalMarkets #Brazil #UPI #StartupUpdates #Startupro

Smaller UPI players nibble at veterans’ transactions share 📈 The race for Unified Payments Interface (UPI) market share is heating up, with smaller fintechs ramping up volumes and pushing into territory long dominated by PhonePe and Google Pay. 📌 Navi, Super.Money and Bhim have seen their UPI payment volumes surge by 50% to 100% over the past six months, fuelled by aggressive user acquisition and improved app experiences. What's behind the growth? ✍️ Heavy marketing and cashback campaigns. ✍️ Sleeker checkout processes and faster payment flows ✍️ New credit-linked features aimed at retention Story by: Pratik Bhakta

💡 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

💳 How a Payment Gateway Works: Step by Step Ever wondered what happens behind the scenes when you tap “Pay” in an app? Here’s the flow from your phone to the bank: Frame 1: User taps Pay → phone shows amount. Frame 2: App → Backend: create-order (HTTP request). Frame 3: Backend calls Razorpay with secret key → gets order_id. Frame 4: Backend returns order_id → App. Frame 5: App opens Checkout (order_id) → User completes payment. Frame 6: Razorpay callback → Client (paymentId + signature). Frame 7: Razorpay webhook → Backend (server-to-server). Frame 8: Backend verifies signature → marks Paid in DB. Frame 9: Razorpay settles money to bank (IDFC). Frame 10: Reports & reconciliation (spreadsheet). #PaymentGateway #Fintech #Flutter #Razorpay #AppDevelopment #Payments #TechExplained #DigitalPayments #Backend #MobileApps #DeveloperInsights

Wonder what went wrong with Paytm 🤔? Having an experience in web development I also think that the UI was also a major issue. [ I checked the latest update. It's pretty Clean and fluid UI though 👍. (as of oct)] They had way too much going on on their app. People want simple UPI interfaces. Especially the older generation. Google pay and phone pay are quite easy to use and don’t have a complicated UI. Similar with the Amazon pay , I believe if Amazon pay be a separate app it will be much success. As WhatsApp pay was never accepted, similar or parallel is the case with Paytm, They lost some trust after the RBI restrictions and constant app issues. People just moved to PhonePe and GPay for reliability. Once a UPI brand breaks user habit, it’s almost impossible to win that share back. Although they were late to the UPI game itself because they had wallet. Even at their peak I don't think Paytm broke 25% consumer market share. In terms of merchants though, that's a different story. Some reddit users were complaining that the app wants too much access not worth for just payments. It reads spam messages like your electricity connection will be disconnected if not paid today, also heavy with unwanted vouchers n' all and sends a notification to pay. Credits :- IndianTechGuide x.com handle ✨ #paytm #upi #payments #wallet #marketshare #phonepay #gpay #googlepay #navi #cred #amazonpay