Paytm’s Latest 5 Product Innovations Strengthen Its Position as the Most Trusted UPI App

Paytm (One97 Communications Ltd.), the pioneer of mobile payments in India, has once again raised the bar with a series of new product innovations that are revolutionizing the UPI experience for users across the country. From students and freelancers to merchants and households, these features are designed to enhance security, usability, and control over digital transactions.

With a strong focus on technology-first solutions rather than pure marketing, Paytm continues to build on its reputation as India’s most trusted UPI app.

1. Industry-First ‘Hide & Unhide Transactions’ Feature for Privacy

Paytm has introduced a groundbreaking privacy feature that allows users to hide or unhide specific UPI transactions from their payment history. This is especially useful for personal payments, gift transactions, or confidential transfers that users might want to keep private.

Hidden transactions are removed from the usual ‘Balance & History’ section and placed in a secure “View Hidden Payments” area, which is accessible only through user authentication. This ensures that sensitive payment details are protected without deleting them from records.

2. Download UPI Statements in PDF or Excel for Easy Recordkeeping

To simplify expense tracking and budgeting, Paytm now enables users to download their UPI transaction history in both PDF and Excel formats. This is a game-changer for individuals, freelancers, and small businesses who need to:

• Manage finances more effectively

• Maintain clear records for tax filing

• Perform personal or business accounting

With this feature, Paytm ensures that users can conveniently export and analyze their financial data anytime.

3. Personalised UPI IDs for Enhanced Security

One of the most practical features Paytm has launched is the ability to create a personalized UPI ID, eliminating the need to share personal mobile numbers for transactions.

For example, users can set UPI handles like yourname@ptyes or yourname@ptaxis, which act as secure, easy-to-remember identifiers for sending or receiving money. This enhances privacy while offering a unique way to maintain confidentiality in UPI transactions.

4. Check Balances Across All Linked Bank Accounts

Paytm also provides the convenience of viewing individual bank balances and a consolidated balance across all UPI-linked bank accounts directly from the app.

This feature reduces the need to switch between multiple banking apps, enabling users to:

• Stay informed about their financial position

• Manage spending efficiently

• Monitor account balances in one unified view

This simplifies money management and offers a more transparent overview of available funds.

5. ‘Receive Money’ QR Widget on Home Screen

Paytm now offers a QR code widget that users can place directly on their smartphone home screens. This innovation benefits professionals like:

• Cab drivers

• Delivery personnel

• Freelancers

• Small shop owners

The widget allows instant access to their Paytm QR code, enabling them to collect payments without even opening the app. It’s a fast, practical solution that makes digital collections more efficient.

Bonus: Auto Top-Up on Paytm UPI Lite for Seamless Micro-Payments

In addition to the above five innovations, Paytm has also launched Auto Top-Up for UPI Lite. When the balance in UPI Lite runs low, the system automatically tops it up from the linked bank account. This:

• Ensures uninterrupted payments for small transactions

• Keeps bank statements clutter-free

• Offers a smooth, contactless payment experience

Other Smart Features: RuPay Credit Card Support and Self-Transfer

Paytm remains the only UPI app offering features like:

• RuPay Credit Card on UPI: Use your credit card for UPI payments

• Self-Transfer: Move money easily between your own accounts linked to different banks

These add-ons provide unmatched flexibility for both daily users and business owners.

A Trusted, Feature-Rich UPI Experience for All

Paytm continues to build innovative tools that respond to the evolving needs of Indian users. From secure transactions and intelligent design to powerful features tailored for both individuals and merchants, Paytm stands out as India’s best and most reliable UPI app.

With its user-centric innovations, Paytm is playing a leading role in accelerating India’s shift to a cashless, secure, and inclusive digital economy.