Paytm, India’s largest internet ecosystem with a robust multi-payment architecture

4 min readJun 1, 2021

Over the last decade, we at Paytm have come a long way, with your support. Today, we have become a household name because of a simple idea — making payments easy. After all, when anyone wants you to transfer money digitally the first thought in their head is, Paytm Karo.

Our growth is driven by the fact that we have built a robust multi-payment architecture that makes us the biggest digital payments platform in India, with over 350 million users, 20 million merchant partners, who contribute to over 1.4 billion monthly transactions. Paytm Payments Bank is a leading digital payments enabler in India and has over 64 million account holders. The bank is also the largest issuer of FASTags in the country.

Paytm-issued instruments make for a key differentiation

We have brought to you the widest array of payment instruments ranging from wallet, gift and food wallets, current and savings account, credit and debit cards, Postpaid, FASTag, and much more. We have been able to bring a large number of use cases on the platform and the list is ever increasing.

From bill payments, mobile, broadband & DTH recharges, rent payments, paying your credit card bills to wealth management through mutual funds, stocks, digital gold, paying your insurance premiums and even train/air ticketing, e-commerce, entertainment, cloud services, advertising, online gaming as well as booking cabs or food delivery through our Mini App Store, Paytm is the only platform in India, which brings all kinds of solutions to the end user (consumer or merchant) under one roof.

Here’s a look at our offerings across verticals:

These diverse solutions have also made us the largest revenue-driven fintech player in India. Paytm has created several funnels for revenue growth, whether it is through the still booming online population of India or the expansive offline merchant base, we are the go-to platform for all.

“With its presence in a large number of allied financial services, it (Paytm) has been successful in becoming the largest player in terms of consolidated revenue. Also, an important distinction to be noticed is that most of the ancillary services of Paytm are offered through in-house establishments such as Paytm Money, Paytm Payments Bank, Paytm Payment Gateway, Paytm Postpaid etc. This could place itself better in terms of margins in the coming times,” said a recent report on the Indian fintech ecosystem by RedSeer.

Enabling merchants and consumers with a first-of-its-kind integrated ecosystem

Our payment solutions have made business owners independent and in-charge of their accounts. We have empowered them not just through our payment gateway services, which is the preferred payments service provider for the leading food delivery platforms, e-commerce portals and many more online-based businesses.

With our innovative and problem solving approach, we have brought accessibility and ease in payments for millions of merchants in India, through our devices like the Paytm QR code, Android Smart POS, EDC device, IoT devices and the soundbox.

Through our multi-payment architecture, we have successfully created a first-of-its-kind integrated financial ecosystem. Our high-end technology with the highest success rate ensures we manage the entire digital life cycle of a user, both customer and merchants.

As per a recent report by global analysis firm Bernstein, it is this integrated ecosystem that has given us an edge from our competitors and has also led to better app ratings, downloads, materially lower transaction failure rates, and increasing payments market share.

A one-stop solution for the entire consumer life cycle

Here’s a glimpse at how Paytm is the go-to destination for all tasks in your everyday lifestyle.

*In addition to the above, we also offer recharges, bill utility payments, booking gas cylinders, credit card bill payments, payment of insurance premiums, rental payments, education fees, credit cards through our partnered banks, purchasing groceries and medicines, and much more. Millions of our users also pay for their purchases at offline stores through Paytm.

Our diversified businesses have been rewarding as it has made way for high customer retention, as well as brand recognition. When you start using Paytm, you can carry out all of your tasks in a day from within the app.

With our consumers at the core of everything we do, we have built the largest digital universe in India.

To know more about how Paytm Payments Bank has become the top digital payments enabler, please read here:

To know more about how Paytm Money has become the most popular investment destination for young Indians, please read here: