Paytm Launches Postpaid Credit Line on UPI with Suryodaya Small Finance Bank

Paytm (One 97 Communications Limited), a pioneer in mobile payments, QR codes, and Soundbox, has introduced Paytm Postpaid as a Credit Line on UPI. Powered by NPCI and in partnership with Suryodaya Small Finance Bank, this service provides instant short-term credit, enabling users to enjoy the convenience of “Spend Now, Pay Next Month.”

Key Features of Paytm Postpaid

• Universal Acceptance: Make payments via UPI across merchant touchpoints, online shopping, recharges, bill payments, and bookings on the Paytm app.
• Flexible Credit: Users get up to 30 days of short-term credit, allowing instant spending with repayment the following month.
• Smart Payments: Leveraging Paytm’s secure technology, payments are faster, reliable, and convenient for everyday use.

How to Onboard on Paytm Postpaid?

1. Open the Paytm app and tap the Paytm Postpaid icon.
2. Create your Credit Line on UPI by filling in basic details, validating KYC, and setting up the mandate.
3. Link your account with UPI to start using the credit line.
4. Choose Suryodaya Small Finance Bank and authenticate via Aadhaar.
5. Set up your UPI PIN and begin transactions using the linked credit facility.

Enhanced Payment Experience

Paytm Postpaid also integrates features to simplify financial management:

• Spend Categorisation & Monthly Spend Summary to track and manage finances.
• Options to hide or unhide payments for privacy.
• Home screen widgets like ‘Receive Money’ for faster payments.
• Personalised UPI IDs to simplify transactions without sharing mobile numbers.
• Ability to download UPI statements in Excel or PDF and view total balances across linked accounts.

Avijit Jain, Chief Operating Officer - Lending at Paytm, said, “In India, families and individuals often look for a little extra flexibility to manage their everyday expenses with ease. We are delighted to bring Paytm Postpaid, Credit Line on UPI, which makes it possible to spend instantly and comfortably repay the next month. Whether it’s paying at a local store, managing household bills, or shopping online, this solution is designed to make life simpler.”

He further added, “In partnership with Suryodaya Small Finance Bank and powered by NPCI, this launch reflects our commitment to offering secure, compliant, and innovative payment solutions that truly put consumers first.”

Paytm Share Price Performance

On September 17, 2025, Paytm share price opened at ₹1,230.00, touching the day’s low at ₹1,220.00, as of 10:53 AM on the NSE.

Also Read: Paytm’s Parent Company to Invest ₹455 Crore in Subsidiaries Amid Internal Restructuring!

Conclusion

With Paytm Postpaid on UPI, everyday payments become smarter, faster, and more flexible. This innovation empowers consumers to manage liquidity efficiently while giving merchants instant settlement, making transactions seamless across India.

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