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PAYTM has built one of India's most comprehensive digital ecosystems, specialising in digital payment systems, e-commerce, and finance. The company's operations are largely divided into three segments: payment services, commerce and cloud services, and financial services. Under Payment services the company offers Pay Tm Wallet, Sound Box, QR Code Scanners, and Smart POS. Travel and Entertainment Ticketing, Mini App Store, Games and PayTm First subscription, Paytm Mall, and E-commerce are among the company's services under commerce and cloud services, while financial services include Payment Gateway and convenience fee for Digital Banking, Sourcing and Collection fee from NBFC/Banks for Lending services.
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One 97 Communications (Paytm) is India’s leading digital ecosystem for consumers and merchants as it has built the largest payments platform in India based on the number of consumers, number of merchants, number of transactions and revenue. It offers payment services, commerce and cloud services, and financial services to registered consumers and registered merchants. Its two-sided (consumer and merchant) ecosystem enables commerce, and provides access to financial services through its financial institution partners, by leveraging technology to improve the lives of its consumers and help its merchants grow their businesses. The company launched Paytm in 2009, as a ‘mobile-first’ digital payments platform to enable cashless payments for Indians, giving them the power to make payments from their mobile phones. Paytm is available across the country with advertising tagline ‘Paytm karo’ (i.e. use Paytm), evolving into a verb for hundreds of millions of Indian consumers, shopkeepers, merchants and small businesses.
The Paytm app is a payments-led super-app, through which it offers consumers innovative and intuitive digital products and services. It offers consumers a wide selection of payment options on the Paytm app, which include (i) Paytm Payment Instruments, which allow them to use digital wallets, sub-wallets, bank accounts, buy-now-pay-later and wealth management accounts and (ii) major third-party instruments, such as debit and credit cards and net banking. On its app, it enables consumers to transact at in-store merchants, pay their bills, make mobile top-ups, transfer money digitally, create and manage their Paytm Payment Instruments, check linked account balances, service city challans and municipal payments, buy travel and entertainment tickets, play games online, access digital banking services, borrow money, buy insurance, make investments and more.
Business area of the company
The company is in the business of providing a) payment and financial services which primarily includes payment facilitator services, facilitation of consumer and merchant lending to consumers and merchants, wealth management etc. b) marketing services which primarily consists of aggregator for digital products, ticketing business, providing voice and messaging platforms to the telecom operators and enterprise customers and other businesses, etc.
Services offered by the company
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