Here’s why Paytm’s five latest product innovations make it the most trusted UPI app

Paytm (One97 Communications Limited) pioneered mobile payments in India, introducing transformative technologies such as QR codes and Soundbox, which fundamentally changed how millions transact digitally. As a technology-first and most trusted UPI payments platform, Paytm continues to lead the way in innovation, building real-world solutions that enhance daily payment experiences. The company’s five latest product innovations reaffirm its position as the best UPI app in India, combining ease of use, top-tier security, and feature-rich design to address the evolving needs of consumers and merchants alike. With a relentless focus on product excellence over pure marketing, Paytm has become the go-to app for secure, fast, and trusted UPI payments.

It is the only UPI app to introduce the following innovations that simplify payments for freelancers, shopkeepers, students, businesses and households alike:

Hide & Unhide transactions from payment history

This industry-first privacy feature empowers users to hide or unhide specific UPI transactions from their payments history, giving them greater control over sensitive payments like gifts, personal expenses, or confidential transfers. Hidden payments are removed from 'Balance & History' and moved to a secure ‘View Hidden Payments’ section, accessible only through user authentication. This keeps records intact without compromising privacy.

2) Download UPI statement in PDF and excel formats
Paytm enables downloading UPI transaction statements in PDF and Excel formats, making it easier to track expenses, manage budgets, and maintain financial records. This convenient feature supports personal and business needs by providing clear, downloadable reports for accounting and tax purposes.

3) Personalise UPI ID to keep mobile numbers private
Paytm allows creating personalised UPI IDs, enabling secure payments with handles like name@ptyes or name@ptaxis, eliminating the need to share mobile numbers. This enhances privacy while providing a unique and convenient way to transact safely.

4) Check balance across UPI-linked bank accounts
Paytm provides the ability to check the balance of a UPI-linked bank account, as well as view the total balance across all bank accounts linked via UPI handles created on the platform. This offers a consolidated and convenient way to monitor funds without switching between multiple banking apps.

5) ‘Receive Money’ QR widget on the smartphone home screen
Paytm introduces the ‘Receive Money’ QR widget, allowing cab drivers, delivery agents, and freelancers to place their Paytm QR code directly on the smartphone home screen. It enables quick and easy payment collection without opening the app, making transactions faster and more convenient.

Additionally, the platform has introduced Auto Top-Up on Paytm UPI Lite, which automatically replenishes the balance from the linked bank account when it runs low. This ensures uninterrupted payments for small, everyday transactions, offering a convenient and seamless cashless experience while keeping bank statements clean and clutter-free.

From the streamlined, clutter-free interface of Paytm UPI Lite and the ability to use RuPay credit cards on UPI, to the convenience of self-transfer for seamless transactions between multiple bank accounts, Paytm offers a secure, fast, and feature-rich UPI payments experience.

These cutting-edge innovations reinforce Paytm’s position as India’s best and most trusted UPI app, committed to making digital payments smarter, safer, and more accessible for everyone. Paytm continues to lead India’s transition to a secure and inclusive digital economy.

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