Paytm Introduces RuPay Credit Card–UPI Linking for Seamless Payments

Paytm (One 97 Communications Limited) has introduced a new option that allows customers to connect their RuPay Credit Cards with the Unified Payments Interface (UPI). This upgrade enables credit-based UPI transactions at a wide variety of merchants, including kirana shops, fuel outlets, food vendors, and online platforms. 

The feature removes a key barrier for credit card users, who previously faced restrictions at smaller businesses that only accepted UPI. Now, RuPay cardholders can pay directly via UPI without presenting their physical card.

How Users Can Activate the Feature

To link a RuPay Credit Card with UPI on Paytm, users simply need to:

1. Open the Paytm application
2. Go to ‘All UPI Services’ from the home page
3. Select ‘Link RuPay Credit Card’
4. Choose their issuing bank from the available RuPay providers
5. Create a UPI PIN for the card
6. Start making instant payments with the linked card

Additional Enhancements and Global Reach

Paytm has also introduced several new tools to enrich the payment experience. These include options to hide or unhide transactions, quick-access home screen widgets like ‘Receive Money’, personalised UPI IDs, and the ability to download UPI statements in Excel or PDF formats. 

Users can now also see their combined balance across all UPI-linked accounts. Beyond India, Paytm has extended its UPI services to countries such as the UAE, Singapore, France, Mauritius, Bhutan, Sri Lanka, and Nepal, making cross-border digital payments more convenient for Indian travellers.

Read More: Paytm Share Price Hits 52-Week High After RBI Clears Online Payment Aggregator Licence!

Paytm Share Price Performance 

As of August 22, 2025, at 12:25 PM, Paytm share price is trading at ₹1,270.60 per share, reflecting a surge of 2.01% from the previous day's closing price. Over the past month, the stock has surged by 20.89% The stock's 52-week high stands at ₹1,277.80 per share, while its low is ₹505.55 per share.

Conclusion 

Paytm’s RuPay Credit Card–UPI integration simplifies credit-backed digital payments at all UPI-accepting outlets. Alongside new app features and global expansion, the move enhances convenience for users, bridging gaps between traditional credit and modern UPI usage.

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