Payments Technology Trusted by India’s Leading Unicorns
A powerful dashboard to help you stay on top of your business
Get real-time analytics and customisable reports
Create payment links to accept payments
Create offers and no-cost EMI options
View and manage your settlements
Manage and initiate refunds
Get real-time analytics and customisable reports
Create payment links to accept payments
Create offers and no-cost EMI options
View and manage your settlements
Manage and initiate refunds
All major banks supported
Get the best plans with lowest interest
Success Rates
Highest success rates driven by:
- 250mn+ saved cards
- 100mn+ saved bank accounts and 15mn UPI IDs
- Paytm’s in-house banking infrastructure
Pricing
Lifetime free on UPI & RuPay (50% + transactions)
Settlement
T+1 settlements. No holidays T : Date of transaction capture
Robustness of platform
Supports 2,500 TPS (transactions per second)
International Payments
Support for 200+ countries & T+1 settlements
Special Value proposition for Tech Startups
Comprehensive solution covering:
- Free PG
- Free Payouts
- Customer acquisition via Paytm Ads
- Distribution via Paytm Mini App store
- Benefits on current account and nodal account
Success Rates
Scale of saved instruments is much lower
- Rely on external banking partners and hence lower success rates
Pricing
2% charged on UPI & RuPay
Settlement
T+2. No settlements on bank holidays
Robustness of platform
< 1,000 TPS
International Payments
Support for 100+ countries & T+7 settlements
Special Value proposition for Tech Startups
No comprehensive solution
Robust and easy to integrate SDKs
Robust and easy to integrate SDKs
Get started with easy to integrate SDKs
Wide-range of platform, hybrid platform and server-side SDKs
Lightweight and self-updating
Get access to premium features bundled together such as Paytm Assist and Visa Single-Click
Collect recurring payments effortlessly
Widest suite of subscription enabled payments sources including UPI Autopay
End to end automation of collections and retries
Build trust by informing users about upcoming debits
Get webhooks for all kinds on status updates
Collect recurring payments effortlessly
Let users pay via any UPI app
Best in class success-rates
Advanced 2-click UPI flow for enhanced UX
Supported on all-platforms
UPI Auto-pay also supported
Customize your settlement schedule
Choose from - Real time/on demand to split settlements
Get details reports for easy reconciliation
API support to scale reconciliation related operations
Transfer refunds instantly to source account or as per user's request
Robust APIs and webhooks to track refund status
Send bulk or single refunds with a click
All-In-One SDK
Use the power of Paytm App to support your payments (using App Invoke)
Complete checkout experience with minimum integration effort
Inherit all Paytm payment features including One Tap payments, Bank offers, EMI subvention, etc
Custom UI SDK
Build a customized checkout experience for your customers
Use the advantage of single sign on API to make quick payments
Allow Paytm payments within your App with just one click
What is a payment gateway?
A payment gateway is a tool that enables businesses to accept payments online from anywhere via different channels and devices. It helps in receiving payments from the customers online and acts as a link between their bank account and that of the merchants. Furthermore, it authorizes a merchant to conduct a payment transaction through payment sources, like net banking, debit card, credit card, money wallets, and UPI.
How does Paytm payment gateway work?
A payment gateway supports online payment transactions by securing sensitive information like bank and card details provided by the users. Here is how it works:
- Once customers place an order on a website or app and clicks ‘Pay Now’, they are redirected to a payment gateway where they enter required details.
- Paytm All In One payment gateway then securely sends the card details to the acquiring bank. The issuing bank then receives these details for approval.
- After performing fraud checks, the issuing bank sends the approval or decline message to the acquiring bank.
- The acquiring bank then sends an approval or decline message to the payment gateway.
- If the payment is approved, the acquiring bank accumulates the payment amount from the issuing bank and keeps the funds in the business owner’s merchant account.
- The funds are then transferred to the bank account of the business owner, thus completing the settlement process.
