Paytm Settlements

Upgrade the way you get Customer Payments settled with Paytm Settlements
Get customer payments settled 24x7 round the year & ensure you never run out of cash
Choose Your Pick From Multiple Settlement Options
Choose Your Pick From Multiple Settlement Options
Batch Settlements
Batch Settlements
All transaction amounts for a merchant are Collated in batches and settled in one go, as per merchant cycle of (T+n). All the payments made on ‘T” day are processed by ‘n’ calendar days.
Same-Day Settlements
Same-Day Settlements
The merchant gets all transactions settled in real-time in a virtual account. This can be auto-swept into his actual bank account multiple times a day without having to wait.
On-Demand Settlements
On-Demand Settlements
The merchant can get instant fund transfers in his bank account as and when he demands 24x7, 365 days a year at a single click.
Real-Time Settlements
Real-Time Settlements
The merchant receives settlements in multiple settlement destinations of his choice within seconds a customer makes a payment.
How Settlements Can Help Merchants Grow?
Enjoy Instant Settlements with No Wait Time
Compliant
Enjoy Instant Settlements with No Wait Time
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Ensures Smooth Operations by Allowing Merchants to Plan & Manage Cashflows Better
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Ensures Smooth Operations
Ensures Smooth Operations
Say Good Bye
Say Good Bye To Liquidity Crunch & Never Run Out Of Working Capital
Get Started Now Get Started Now
How does it work?
Ensures Smooth Operations
1. The customer pays for a product through any method like Debit/Credit cards, Net Banking, UPI, EMIs.
Ensures Smooth Operations
2. Paytm processes the transaction by debiting the amount from the customer bank account
Ensures Smooth Operations
3. Paytm then acts as a mediator & connects with merchant’s bank account and credits the amount
Fast Settlements
Fast Settlements, Intelligent Reporting & Multiple Tools for Easy Reconciliation
Check settlement
Check settlement status with Settlement APIs, Dashboards, SFTP/email reports, & notifications
Access information
Access information in real-time post adjusting commissions, charge-backs, and refunds
Keep track
Keep track of payments with the help of multiple reconciliation tools
Robust reporting
Robust reporting framework enables auto-delivery of customized reports
Ensures no more
Ensures no more waiting for a week to receive payments
Receive instant
Receive instant settlement made via any payment method
 Fast Settlements
 Leverage Split Settlements for easy payouts
Leverage Split Settlements for easy payouts
Split the customer’s payment into multiple vendor’s accounts as a single transaction with split settlements
Merchant’s Lives Made Easy with Many Possible Settlement Destinations
Get more options for fund settlements with Paytm Settlements
Paytm Settlements
Paytm Settlements
Paytm Settlements
Paytm Settlements
Get Access To Various Transfer Rails For Completing Settlements
With five different money transfer rails and a dynamic routing protocol, Paytm assures of best-in-class transfer success rates for fund settlements to merchants' preferred destinations.
Get Access
Ensures Smooth Operations
Get Access
Get access to a robust dashboard that offers numerous intelligent features like analytics as well as filter and search criteria to derive business-critical insights
Settlement
Settlement suite ensures merchants get the entire customer payment settled into their bank account and are charged for the services availed by them monthly only
 Pull out useful
Pull out useful data and customised downloadable reports downloaded through dashboard view, email or SFTP
Get assured
Get assured fund settlements within your own defined settlement priority window as per your requirements
Other Paytm Payment Gateway Products
Subscriptions
Subscriptions
Automate collection through eNACH Mandate and UPI Autopay with the best success rates.
Payment Links
Payment Links
Easily generate and use Payment Links to send subscription links and automate collections.
Create & Send Invoices
Create & Send Invoices
Create Invoices to collect Online Payments for your business.
Frequently Asked Questions

What are Real-Time Settlements?

Real-Time Settlement is one of the functions of payment service providers that enables merchants to receive payments from their customers instantaneously into their bank account.

What are the challenges faced in instant settlements?

The most common challenges faced by merchants when it comes to instant settlements are:

  • Enabling banks to offer instant payments 24*7 by providing the required rails
  • Effectively managing the interbank settlement risk
  • Assuring merchants of delivering convenience and confidence to their customers
  • Enabling simple integration of new enhancements and value-added services
  • Complying with common industry standards
  • Minimising set up and operating costs and reduce time to market

How are real-time payments redefining online payments?

Real-time payments benefit merchants, their customers, even financial institutions, and society by offering enhanced visibility into online payments. They enable better cash management and help merchants manage their day-to-day operations better by improving liquidity. Increased liquidity is helpful, especially for small merchants since they do have to wait for days to get their funds settled, thereby improving their cash flows.

Is Real-Time Settlement service available 24*7?

Yes, the Real-Time Settlement facility is available 24*7 365 days, even on holidays.

What are the benefits of real-time settlements?

Benefits of Real-Time Settlements:

  • Real-Time Settlements is one of the safest and fastest modes of accepting payments.
  • There are no additional charges levied for transactions made via Real-Time Settlement.
  • The process is entirely online, and the beneficiary does not have to visit the bank to deposit funds.
  • Fund transfers are possible using the net banking service.
  • Real-Time Settlement is available on all business days (timings vary from bank to bank).
  • Funds are transferred and settled in the receiver’s bank account instantly.
  • The facility is available 24*7 365 days, even on holidays.
  • There is no credit and settlement risk involved for the recipients since every transaction is settled instantly.
  • Offers merchants improved liquidity and enables better cash flow management.

What payment modes are supported by Paytm payment gateway?

Paytm supports the widest range of payment sources, including Credit and Debit Cards (Visa, Mastercard, AMEX, Rupay, Diners), Net Banking from top 50+ banks, UPI, Online Wallets, EMIs (Credit/Debit Cards & Cardless), and Paytm Postpaid.

I sell products to both Indian & international customers. Is Paytm All In One Payment Gateway the right choice for me?

You can accept payments online from Indian as well as international customers using Paytm All In One Payment Gateway. It does not require additional APIs for international payments and real-time currency conversion.

Which type of businesses does Paytm PG support?

Paytm PG is highly valuable for individuals handling small or big businesses, e-commerce shops/apps, local vendors, freelancers, educational institutions, and more.

How is Paytm All In One Payment Gateway different from the Paytm Wallet?

Paytm All In One Payment Gateway helps businesses accept online payments from customers. Thus, it is a service employed by an online business and does not directly account with the end customer. Paytm Wallet is a payment instrument in which customers can deposit money and utilize it on online websites that support the Wallet. Being one of the best payment gateways, Paytm All In One Payment Gateway provides support for various payment sources from UPI to Debit/Credit Cards, Net Banking, Paytm Wallet, Paytm Postpaid, and even EMI.

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