Payout Modes

Paytm Payouts provides innumerable options to transfer funds than anyone else in the industry. It provides a vast variety of options, ranging from Wallets to IMPS, NEFT & RTGS for Bank transfers to UPI. Additionally, services like enterprise bills payments, tax-free employee benefits, loyalty wallets & digital gold are some key unique feature of the Paytm Payouts dashboard.

Paytm Ecosystem (Wallet, Gold, Vouchers and more)

Wallet transfers are the easiest and instant mode of payment. Paytm Payouts gives a unique option to transfer funds 24*7 directly to a phone number or an email. In addition to this, Paytm has many payment options to meet all your business needs. You can send money to a Paytm Wallet, issue tax-free food allowance to your employees or even gift gold vouchers to your employees during the festive season.

  • Paytm Wallet- This is the easiest and most compliant mode of gratification. A very convenient method of payout.

  • Food Wallet - This can be used to disburse a portion of employee salaries to avail tax benefits and exclusive offers. It is widely accepted over 9 lakh online and offline shops, cinemas, malls, food joints etc.

  • Fuel Wallet - This is the most appropriate payout method to organize fuel reimbursements. This is widely accepted at all fuel stations and can be used to manage employee fuel allowances, travel reimbursements, freight allowance, Genset expenses, tracking fuel expenses per ride by cab drivers.

  • Gift Wallet - Employee rewards, incentives, and gifts can be easily managed by using the Gift Wallets. It is widely accepted at all brand stores and tax benefits up to Rs 5000 per year can also be availed.

  • Fastag - This mode of payout is majorly used to organize fund flow in logistic, freight and ride-booking industries to manage frequent interstate movements.

  • Digital Gold - This mode of payout is another way to reward and gift employees, winners or partners.

Bank Transfer

  • UPI - This is the instant mode of payout which is available 24*7, with a limit of Rs 1 lakh. Paytm Payouts allows you to send money to a UPI handle as well as a phone number without needing an account number and IFSC details.

💡 Tip
Paytm has 100mn+ UPI registered users and even allows you to send money directly to mobile number for users registered on Paytm UPI.

  • IMPS - This is an instant mode of payout available 24X7, with a limit of up to Rs 2 lakh. The service can also be availed on bank holidays.

  • NEFT- Paytm Payouts allows to make 24X7 NEFT transfer  up to Rs 2 crore. This takes 30 min to 2 hours to complete the transaction.

💡 Tip
Unlike most banks, Paytm Payouts offers 24*7 NEFT option without any limit on transactions made in non- working hours.

  • RTGS - Paytm Payouts now offer RTGS as a 24x7 service. The minimum amount to be remitted through RTGS is ₹ 2,00,000/- with no maximum limit.

Bill payments

Paytm Payouts can be directly used to pay bills. Mobile bills, recharges, electricity bill, broadband, etc. can be directly taken care of from this dashboard. Click here to know more about bill payments.


Payments can be done directly to a VISA/Mastercard to make instant refunds to the customer or give them cashback for using a particular card.

Few industry usecases are listed below:

  • Instant E-Commerce Refunds

  • Credit Card Bill Payments

  • Cashbacks

Gift Voucher (Coming Soon)

Buy gift cards and gift vouchers in bulk and distribute them digitally using Paytm Payouts. Send upto Rs 10,000 per voucher with an unlimited expiry date without any KYC requirement.

Cashback Vouchers (Coming Soon)

Empower loyalty points with brand cashback vouchers. Create custom cashbacks to increase repeat purchase & brand loyalty.