Paytm Application User Guide

Paytm Application
Contents
1.Introduction.............................................................................................................. 2
1.1 How does Paytm work?...............................................................................................................2
2.Getting started..........................................................................................................3
2.1 For Android Devices:....................................................................................................................3
2.2 For iOS Devices (iPhone/iPad):....................................................................................................3
2.3 Log in or Sign Up:.........................................................................................................................3
3.Adding Bank Account in Paytm App.........................................................................5
4.Activating Paytm Wallet............................................................................................7
4.1 Pay Using Paytm Wallet:..............................................................................................................7
4.2 Check Balance and Transactions:.................................................................................................7
5.Transactions and payments using Paytm.................................................................8
6.Security in Paytm..................................................................................................... 9
7.Paytm Services...................................................................................................... 10

1.

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Paytm Application User Guide

1.Introduction
Paytm is an RBI-approved, secure digital wallet payment solution that lets users
carry out mobile payments. Paytm is India’s largest digital payments platform,
allowing consumers and merchants to make online or mobile payments. Consumers
can add money to their individual Paytm Wallets via multiple payment options, such
as bank transfers and net banking. Consumers can also use their wallets to withdraw
money from ATMs. Consumers can also use the Paytm wallet to make Peer-to-Peer
(P2P) or Peer-to-Merchants (P2M) payments.

The Paytm platform accepts various credit and debit cards such as Visa,
MasterCard, Ru-pay, Amex, and Diners to make the payment process easy and
convenient. Additionally, users can add money to their Paytm Wallet using these
cards and save details of these cards to make easy and quick payments in the
future. The solution also supports QR codes.

1.1 How does Paytm work?

Users can easily save credit or debit card details in the Paytm app to enable faster
payments. This will reduce the need to re-enter information each time the customer
wants to make a payment. The application is highly encrypted, and card details are
safe as they are not saved. However, users will still be asked to enter the CVV
number every time they make a transaction on the Paytm app.

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2.Getting started

To install the Paytm application on your mobile device, follow these step-by-step
instructions:
2.1 For Android Devices:
1. Open Google Play Store
 Tap on the Google Play Store icon on your home screen or in the app
drawer.
2. Search for Paytm:
 Tap on the search bar at the top of the Play Store.
 Type "Paytm" and press enter or search.
3. Select Paytm App:
 Look for the official Paytm app by "Paytm - Payments, Wallet & Recharge".
 Tap on the app icon when you find it.
4. Install the App:
 Tap on the "Install" button.
 Review the permissions required by the app and then tap "Accept" to
proceed with the installation.
5. Log in or Sign Up:
 If you already have a Paytm account, log in with your mobile number and
password.
 If you are new to Paytm, you can sign up directly through the app by
following the on-screen instructions.
6. Set Up and Use:
 Follow any additional prompts to set up your account (e.g., linking a bank
account, creating a wallet PIN).
 You can now use Paytm for various services like payments, recharges,
money transfers, and more.
2.2 For iOS Devices (iPhone/iPad):
1. Open App Store:
 Tap on the App Store icon on your home screen.
2. Search for Paytm:
 Tap on the search tab at the bottom right.
 Type "Paytm" in the search bar and tap search.
3. Select Paytm App:
 Look for the official Paytm app by "Paytm - Payments & Bank Account".
 Tap on the app icon when you find it.
4. Install the App:
 Tap on the "Get" button next to the app.
 Authenticate with Face ID, Touch ID, or your Apple ID password if prompted.
2.3 Log in or Sign Up:
 Log in with your mobile number and password if you already have a Paytm
account.
1. Set Up and Use:
 Follow any additional prompts to set up your account.

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Paytm Application User Guide

 Start using Paytm for payments, recharges, transfers, and more.

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Paytm Application User Guide

3.Adding Bank Account in Paytm App

To add a bank account in the Paytm app for transactions like transfers and
payments, follow these step-by-step instructions:

1. Open Paytm App:

 Launch the Paytm app on your mobile device. Ensure you are logged in to
your Paytm account.
2. Go to the Menu:
 Tap on the "Menu" icon located at the top left corner of the app (three
horizontal lines).
3. Select "Bank Accounts":
 Scroll down and tap on "Bank Accounts" or "Add Bank Account". This
option is usually found under the "Payments" or "Bank" section depending
on the version of the app.
4. Tap on "Add New Bank Account":
 If you haven't added a bank account before, you will see an option like
"Add New Bank Account" or "Link a New Bank Account". Tap on it.
5. Choose Your Bank:
 Paytm will show a list of banks. Tap on the bank name where you have an
account.

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Paytm Application User Guide

6. Verify Your Details:

 Paytm may ask you to verify your account details. You can usually choose
between verifying via SMS (using the registered mobile number with your
bank) or via your ATM card details.
7. Select Verification Method:
 Follow the on-screen instructions to complete the verification process. This
might involve entering your account number, IFSC code, or other relevant
details.
8. Verify via SMS or ATM:
 If you choose to verify via SMS, Paytm will send an SMS from your device
to verify your mobile number linked to the bank account.
 If you choose to verify via ATM, you may need to enter your ATM card
details like card number and expiry date.
9. Set UPI PIN (if applicable):
 If you are setting up a UPI (Unified Payments Interface) enabled bank
account, Paytm may prompt you to set a UPI PIN for secure transactions.
Follow the instructions provided by your bank to set this PIN.
10. Bank Account Added Successfully:
 Once verified, your bank account will be successfully added to your Paytm
account.
11. Confirmation and Usage:
 You will receive a confirmation message on the app that your bank
account has been added.

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Paytm Application User Guide

4.Activating Paytm Wallet

 Open the Paytm application and sign-in using your mobile number and
password
 Once logged in, tap on the "Add Money" option on the home screen of the app.
 Enter the amount you want to add to your wallet.
 Choose the payment method (credit/debit card, net banking, UPI, etc.) and
follow the on-screen instructions to complete the transaction.

4.1 Pay Using Paytm Wallet:

 To make a payment, select the "Pay or Send" option.

 Enter the mobile number or scan the QR code of the recipient.
 Enter the amount to be paid and optionally add a note.
 Tap on "Pay" to complete the transaction. You may need to enter your Paytm
password or use biometric authentication for security.

4.2 Check Balance and Transactions:

 You can check your wallet balance anytime on the home screen of the app.
 To view transaction history, tap on "Passbook" where you can see all previous
transactions including payments and additions to your wallet. To view
transaction history, tap on "Passbook" where you can see all previous
transactions including payments and additions to your wallet.

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Paytm Application User Guide

5.Transactions and payments using Paytm

1. Open Paytm App:
 Launch the Paytm app on your mobile device. If you haven't already logged
in, enter your mobile number and password to log in.
2. Navigate to Payments Section:
 On the home screen of the Paytm app, you will find various options like "Pay
or Send", "UPI Money Transfer", "Recharge & Pay Bills", etc. Tap on "Pay or
Send" for making payments to individuals or merchants.
3. Select Payment Option:
 Choose the payment option depending on whether you are paying to a
merchant (using QR code or mobile number) or sending money to a friend
(using mobile number).
4. To Pay to a Merchant:
 If paying to a merchant, you can either scan the QR code displayed at the
merchant's outlet or enter their mobile number.

4.1 QR Code Method:

 Tap on "Scan QR Code" at the bottom of the screen.

 Allow Paytm to access your camera.
 Scan the QR code provided by the merchant.
4.2 Mobile Number Method:
 Tap on "Mobile Number" option.
 Enter the mobile number of the merchant.
 Tap on "Send Money".
5. Enter Amount and Confirm:
 After selecting the payment method (QR code or mobile number), enter the
amount you wish to pay.
 Review the details entered and ensure they are correct.
6. Proceed with Payment:
 Tap on "Pay" or "Send" to proceed with the payment.
 Depending on your security settings, you may need to enter your Paytm
password or use biometric authentication (fingerprint or face unlock) to
confirm the transaction
7. Transaction Confirmation:
 Once the payment is successful, you will see a confirmation text.

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Paytm Application User Guide

6.Security in Paytm
Security in Paytm is a crucial aspect to protect your account and transactions. Here's
a step-by-step overview of how security works in Paytm:

1. Login Security:
 Password: When you first set up your Paytm account, you're required to
create a password. This password is used to log in to your Paytm
account.
 Biometric Authentication: Paytm supports biometric authentication
(fingerprint or face unlock) on compatible devices. You can enable this
feature for quicker and more secure logins.
2. Transaction Security:
 OTP (One-Time Password): For most transactions, Paytm sends an OTP
to your registered mobile number. You need to enter this OTP to verify
and complete the transaction. OTP ensures that only the owner of the
registered mobile number can authorize transactions.
 PIN (Personal Identification Number): For certain transactions or sensitive
actions (like transferring money to a bank account), Paytm may require
you to set and enter a PIN for additional security.
3. Device Binding:
 Paytm uses device binding to enhance security. Once you log in to your
Paytm account from a device, Paytm may associate that device with your
account. If a login attempt is made from an unrecognized device,
additional verification steps may be required.
4. Secure Payments:
 Paytm uses secure encryption protocols (SSL) to ensure that your
payment information is transmitted safely over the internet. This prevents
unauthorized access to your payment details during transactions.
5. Security Tips and Best Practices:
 Keep Your Password Secure: Choose a strong password and do not
share it with anyone. Avoid using easily guessable passwords.
 Enable Two-Factor Authentication (2FA): If available, enable two-factor
authentication for an added layer of security.
 Monitor Your Account: Regularly check your transaction history and report
any unauthorized transactions to Paytm immediately.
 Beware of Phishing: Paytm will never ask you to share your password,
PIN, OTP, or other sensitive information via email, SMS, or phone call. Be
cautious of phishing attempts and verify the authenticity of communication
before responding.
6. Lost or Stolen Devices:
 If you lose your mobile device or suspect it has been stolen, immediately
log in to your Paytm account from another device and change your
password. You can also contact Paytm customer support for assistance in
securing your account.

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Paytm Application User Guide

7.Paytm Services
1. Digital Wallet: Paytm started as a digital wallet service allowing users to store
money digitally, make payments, and transfer money to others.
2. Payments: Users can make payments for a variety of services such as mobile
recharges, utility bill payments (electricity, water, gas), DTH recharges, and
more.
3. Online Shopping: Paytm operates an e-commerce platform where users can
shop for a wide range of products including electronics, fashion items, home
goods, and more.
4. Travel Booking: Paytm offers services for booking flights, trains, buses, and
hotels. Users can also book movie tickets through the platform.
5. Banking Services: Paytm Payments Bank provides banking services such as
savings accounts, fixed deposits, and debit cards. Users can also request for
a physical debit card through the app.
6. Insurance: Paytm provides insurance products including health insurance,
vehicle insurance, and more through tie-ups with various insurance providers.

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