 |
| How to use Paytm? |
Do you know what Paytm is and How To Use Paytm in Your Phone Effectively, your answer is no! So let us tell you that Paytm is an Indian e-commerce shopping and digital wallet facility company.
Currently, from online ticket booking to home
electricity bill, even shopping from a mall or buying something from a small
shop, digital payment or online payment is done everywhere.
In which Paytm plays an important role in our daily
life. Apart from this, there are many apps for digital payment like- PhonePe,
Google Pay etc. But out of all these, Paytm App is the most used. All types of
transactions can be done online with Paytm.
Paytm is slowly becoming the best medium of digital
payment, if you also use a smartphone and you also have an account in the bank,
then you can also learn what is Paytm and how to use Paytm by reading this post
of ours. And can connect to India's cashless scheme through your Paytm Mobile
Wallet.
What is Paytm?
Paytm is India's largest
online payment platform, which started in 2010 in Delhi and is run by a company
called One97 Communications.
In the initial period, it was
used only for online recharge and bill filling, but in today's time you can use
it for every work like shopping, payment, money transfer etc.
Paytm is an app approved by
RBI and for its security, they are using Paytm verisign-certified 128 bit
technology, so that your personal data and money cannot be stolen from wallet
i.e. it is completely safe. That's why today about 150 million people are using
this app.
If you live away from your
family or want to send money to someone, then you can do all these things with
Paytm because through this app a user can transfer another user to his debit
card, credit card, net banking or directly from the bank account. You can
transfer money online to their bank account or wallet.
What is Paytm Wallet?
Paytm is a digital wallet
where you can keep your money and use it to transfer and make payments.
Paytm allows its users to
transfer money from their bank account to its inbuilt Paytm wallet through
debit card, credit card or net banking, so that users can go ahead and fill any
kind of bill at many places without cash like grocery stores, restaurants,
multiplexes, shopping malls, hospitals and many more places where the merchant
provides the facility to transfer money from Paytm.
Apart from this, you can also
fill online bills like mobile recharge, DTH recharge, gas bill, electricity
bill, online shopping, bus, train and flights ticket booking, cab booking,
hotel booking etc.
To use Paytm wallet, you first
have to create an account in it and transfer money to the wallet. RBI has kept
the wallet limit of each person at Rs.10,000 per month.
But if a user wants to
increase its limit, then he will have to get his account verified in KYC, due
to which the limit of his money in the wallet will increase from Rs.10,000 to 1
lakh per month.
We can use Paytm wallet in two
ways, it is available in mobile application as well as its website so that
users can use this app from mobile app or website according to their own.
By choosing any of these two
platforms, you can access your wallet account and do online transactions
anywhere and anytime.
To use Paytm, you must have a
smartphone or laptop and internet connection should also be present in it
because this app works only through internet.
Most of the people have
Android device, so I will tell you how to use Paytm app in this device.
With the Paytm app, you can
not only do money transfer or mobile recharge, but you can also do online
shopping here.
Everything is available in
this app which you get in other e-commerce website. But the special thing about
shopping with Paytm is that you will get some cash back on every shopping which
will be deposited in your wallet.
Along with this, you will also
get many discount offers and promo codes in this app so that you will be able
to save a lot.
Benefits of Using Paytm App:
Online Recharge:
– You can recharge your Prepaid Mobile
online through Paytm Wallet. And you can also pay the bills of your postpaid
mobile like Airtel, BSNL, Reliance and Vodafone. Apart from this, you can also
pay DTH recharge, electricity bill, gas bill, water bill through Paytm wallet.
Online Shopping: – You can easily do online shopping for yourself
through Paytm. For this huge discount is also given to users on Paytm. And if
you do online shopping with Paytm then you also get free cashback.
Ticket Booking: – Through Paytm you can easily book Flight Ticket,
Train Ticket, Bus Ticket online and you can also book Movie Ticket through
Paytm.
Money transfer: – Through Paytm, you can easily do online money transactions with your
friends or customers. Apart from this, online payment can also be made to
Online Taxi (Uber and Ola).
So let us now without delay
tell you how to use Paytm app and Paytm.
How to Use Paytm in India?
To use Paytm app, you must first create an account in it. I
have told about his process below:
1. First of
all download and install the Paytm app on your device.
2. Once
installed, open the app. As soon as the app opens, the first option that will
come in front of you will be to choose the language. Select a language as per
your convenience.
3. The next
step will be to log in. If you are already its user then login by giving your
user id and password and if you are new then you can create new account in it.
4. To create
an account in Paytm app, you enter your mobile number in it, and then enter the
password. Your password should be at least 8 digit and alphanumeric and symbols
should also be used like “[email protected]”, it also contains your number, letter and
also symbol.
5. After
giving the password, you can also give the email id as per your wish. Here
email id is given so that whatever transactions you do with this app, all its
details are sent to your email id.
6. After that
click on the option "Sign up" below. Now an OTP will come on the
mobile number given by you which will be a 6 digit code. You have to put it in
the box with “Enter OTP” and tap on done below.
After entering the OTP, your mobile number will be verified
in the account and here the process of creating your account will end i.e. your
account has been created.
After creating an account, now you have to use Paytm wallet
app, for which you have to put money in it. So let's know about that how to put
money in Paytm wallet?
How to add money in Paytm wallet?
1.
Open Paytm app and login to it.
2. The
option of “Paytm Wallet” will appear on the home screen of the App, tap on it.
3.
After that enter the amount you want to put in it. But keep in mind that the
limit of putting money in it is only Rs.10000 i.e. you can get Rs. You can
enter an amount less than or equal to 10000. After that click on Add Money
below.
4.
After that you have to select the payment option from where you want to put
money in your wallet like debit card, credit card, net banking or UPI.
5.
After that fill all the details of your bank or card like card number, expiry
date and CVV (remains on the back of the card). Fill all the details carefully
and click on “Pay now” below.
6.
After this OTP will come on the registered number of your bank account and
submit it by filling it in the box. After this money will be transferred from
your bank account to Paytm wallet.
After the money is
transferred, a message will appear on your screen that your money has been
added to the wallet. To see whether money has been added to your wallet or not,
you tap on the Passbook option on the home screen, you will see the amount
added to it.
How to Send Money from Paytm?
If you have to transfer money
to someone or pay someone, then you can do this work easily without paying
extra money, you can pay as much as the app wants through this app, you will
not have to pay extra charges.
You can send and receive money
in two ways - one from mobile number and the other from QR code.
How to Pay from Paytm with QR Code?
1. First of all open Paytm
app. If you are asking to login, then login. If you are using this app every
day, then you will not be asked to login again and again.
2. To send money, tap on the
“Scan & Pay” option on the home screen of the app. To get more money, tap on
the “Accept payment” option.
3. Scan the QR code of those whom
you want to send money from your phone or get them scanned by giving your QR
code to those from whom you want to receive money.
4. After scanning, fill in the
amount of money you want to send or receive.
5. Then click on “Pay”
button or “Receive” button.
6. After sending or receiving
money, you will get the details of the order summary on the screen in which you
have received the money or the name of the person to whom you sent the money
and the money paid will be shown.
How
to Send and Receive money in Paytm from mobile number?
1.
Open Paytm app.
2. To
send money, tap on “Pay or Send” option on the home screen of the app and tap
on “Accept payment” option to receive.
3.
After that select the option with “Mobile number” and enter the registered
number in the Paytm account of that Paytm user to whom you want to send money
and give the user to fill the number registered in his Paytm account to receive
the money.
4.
Enter the amount to send or receive money.
5.
After entering the number and filling the money, click on the option “Pay”
or “Receive”. After that a pop up box will appear on your screen in
which you will be asked to confirm the mobile number and proceed further after
confirming it.
6.
After sending or receiving money, you will get the details of the order summary
on the screen, in which you will see from whom you have received the money or
the name of the person to whom you have sent the money and the money paid.
How
to Send Money from Paytm Account to Bank Account?
Paytm users can transfer the
money in their account to their bank account in a pinch. This facility is very
useful for those who get their business money through Paytm.
That money first comes in Paytm wallet, after that you can transfer it to your bank account from there. The process of transferring money to the bank account is explained below-
1.
Open Paytm app.
2. On
the home screen of the app, tap on the option with “Passbook”.
3. You
will see how much money is in your Paytm account and there will be an option of
“Send Money to bank” below that, select it.
4. In
the next step, you will get the option of “Transfer” in the
right side of the total balance, tap on it.
5.
After that fill your bank account details like bank account number, account
holder name and IFSC code. After that, fill the amount of money you want to
send from Paytm account to bank account.
6.
After filling the details of the bank, tap on the “Proceed” button.
Next you will see the money amount along with your bank details. Take a good
look at it and tap on “I Confirm” then click on precede button.
7. In
the next step OTP will come on your registered mobile number which you have to
fill in the prescribed box. After that your money will be transferred.
8.
After the transaction is completed, a message will appear on the screen that
your money has been transferred from Paytm account to bank account.
How
to Recharge with Paytm?
1.
Open Paytm app on your mobile.
2. On
the home screen of the App, you will get the option of Mobile Prepaid, click on
it.
3.
After that enter the number on which you want to recharge. Its operator will
automatically come in the box containing the current operator.
4.
After that, enter the amount to be recharged in the box with the amount below.
5.
After that you will see a check box of Fast forward below, tap on it and click
on proceed to pay option.
6.
After that many options will come on your screen to make payment like debit
card, credit card, net banking, UPI etc. You can make payment by choosing any
one of these options.
7. If
your bank account is not linked with net banking or UPI app, then you can pay
with your debit card.
8. To pay with Debit card, you
have to enter the 16 digit number of your card, the name of the cardholder, the
expiry date of the card and the CVV number which is 3 digit on the back of the
card and click on the proceed button. .
9.
After that an OTP will be sent to the mobile number linked to your bank
account, which you have to fill in the box with Enter OTP and click on submit
button.
10.
After that the message of payment successful will come on your Paytm screen and
on the number given for recharge, so that you will know that your mobile number
has been recharged.
How to Pay Electricity bill using Paytm?
To deposit the electricity bill from Paytm, follow all the steps mentioned below, and how to fill the electricity bill from Paytm:
1- First
of all you have to open the PayTm app in your mobile. And then you will see the
option of a Recharge & Pay Bill, click on it, as shown in the screenshot
below.
2-
After this, you will see an option with electricity, click in it. As you can
see in the screenshot below.
3- Now
a page with electricity bill payment will open in front of you, there you have
to select your electricity board, then select your state, and then select the
electricity board of your area from the select board.
After this, you will have to
enter your consumer number or IVRS number, which you will see in your bill.
Enter the number and then click in the Proceed button. After which you can pay
your bill by making a payment.
After making the payment in
this way, after confirmation, your electricity bill will be deposited from
Paytm. Your bill will also be updated in 1-2 days, by the way, it happens
immediately, but many times it is too late due to a technical problem, so do
not worry.
After linking the account, you
can now pay your electricity bill. Now you have to click in the Pay button to
fill in your electricity bill. And then whatever amount is there next, it has
to be entered and paid. After which your electricity bill will be paid.
In this way, once you have
paid your electricity bill from Paytm, then every month whenever your new
electricity bill comes, you will get the information from Paytm, and then you
can easily pay your electricity bill directly.
Almost all the power companies
have arranged for online electricity bill payment online to facilitate their
consumers. To make electricity bill payment to any company, you have to go to
their official website.
How
to do KYC of Paytm?
The full form of KYC is “Know Your Customer”,
it is the identification process started by RBI where the customer has to
provide documents like Adhaar card, pan card, voter card etc. as identity proof
to give his proof.
After giving these documents,
Paytm verifies and then allows users to use all its services. After applying
for KYC in Paytm, you can increase the limit of your wallet.
If you do not know what you
have to do to increase the limit of the wallet, then here I have brought a step
by step process for you, with the help of which you will be able to register on
KYC in Paytm.
1.
First of all open Paytm app in your mobile.
2. On
the home screen, you will get the option of “Paytm KYC”,
click on it.
3. A
page will open where “Complete your KYC” will be written. Here you will be told
about its benefits. Just below that, you will get the option to proceed, click
on it.
4.
After that on the next screen, you have to fill the number of your Aadhaar card
and write the name in the Aadhaar card in the name box. Then select the option
with “I Agree” and click on proceed option.
5. After that OTP will go to the number linked to your
Aadhaar card, you have to fill that code in the box with “Enter OTP”
and click on verify button.
6.
After verifying, the details of your Aadhaar card will appear on your screen.
Check it, if everything is correct, and then click on the option "Yes it's
true".
7.
After that you will again be asked for additional details like:
·
Marital
status
·
Profession
·
Father's
Name
·
Mother's
name
·
Do you have
PAN? (Do you have PAN)
Correspondence Address (home
address). If your correspondence address is the same.
If you have Aadhaar card then
click on Yes otherwise on No.
Fill all these details
correctly and click on “I declare” checkbox below and tap on “SUBMIT”
button.
8. After submitting you will see a message on the screen that your Paytm account has been linked with KYC. Meaning now you have become a member of KYC.
Conclusion
I hope you like this article "How to use Paytm?" and understand everything related to it. Talking about Paytm, it is the most popular e-commerce shopping company in India where you can do all your important work online.
However, there are many more such companies which are among the popular
websites providing digital payment facility to their users, including Amazon
Pay, Google Pay, PhonePe etc.
Keeping this in mind, today we gave you complete information about Paytm, in which we told you what is Paytm and how to use Paytm and how to send money from paytm etc.
Hope you enjoy this information. If
you liked the way of using Paytm, then definitely share it with your friends
too.