Paytm
by One97 Communications Ltd
About This App
India's leading digital payments platform with UPI, wallet, bill payments, investments, and merchant services for 330M+ users
App Details
One97 Communications Ltd
Honest Review
4.3/5 on Google Play Store · Last verified 2026-03-13
What works well
- +Now 100% Indian-owned — Ant Financial fully exited Aug 2025
- +Comprehensive financial services: payments, insurance, lending, investments
- +Largest offline merchant payment network in India (Paytm Soundbox)
- +Wide acceptance across small shops, restaurants, and auto-rickshaws
What needs improvement
- -RBI restrictions on Paytm Payments Bank (Feb 2024) caused service disruption
- -App has become bloated with too many features and ads
- -Investment/lending products can have hidden terms
- -Revenue still under pressure post-RBI action
Common user complaints
- !Cashback offers have reduced significantly compared to early days
- !Too many notifications and promotional spam
- !KYC verification process can be frustrating and repetitive
Indian Alternative To
Paytm is a powerful Indian alternative to these international apps:
Is Paytm an alternative to PayPal?
Yes, Paytm by One97 Communications Ltd is an Indian alternative to PayPal. It offers similar functionality while being developed and maintained in India.Explore other Indian alternatives to PayPal →
Is Paytm an alternative to Venmo?
Yes, Paytm by One97 Communications Ltd is an Indian alternative to Venmo. It offers similar functionality while being developed and maintained in India.Explore other Indian alternatives to Venmo →
Is Paytm an alternative to Cash App?
Yes, Paytm by One97 Communications Ltd is an Indian alternative to Cash App. It offers similar functionality while being developed and maintained in India.Explore other Indian alternatives to Cash App →
Is Paytm an alternative to Google Pay?
Yes, Paytm by One97 Communications Ltd is an Indian alternative to Google Pay. It offers similar functionality while being developed and maintained in India.Explore other Indian alternatives to Google Pay →
Related Indian Apps
PhonePe
PhonePe Pvt Ltd
India's most-used UPI payments app with 500M+ users for money transfers, bill payments, investments, and insurance
Instamojo
Instamojo Technologies
Payment and commerce platform designed for Indian SMEs and startups to accept payments and build online stores
Razorpay
Razorpay Software Limited
India's leading payment gateway for businesses with UPI, cards, netbanking, wallets, and payroll services for 8M+ merchants
BHIM UPI
National Payments Corporation of India
Government-backed unified payment interface for instant digital payments across banks and payment apps in India
Chargebee
ChargeBee Inc
Subscription billing and revenue management platform for SaaS and recurring revenue businesses serving 4,500+ companies
PolicyBazaar
PB Fintech Limited
India's largest online insurance aggregator and comparison platform for health, life, car, and travel insurance