● Paytm M- Commerce company. (Category - M commerce or E commerce
● Paytm, run by One97 Communications Ltd founded by Vijay Shekar Sharma
● Its Market Value is likely to be valued at about
$10 billion this year ($. 1000 Cr.)
● Presently they are $ 7 billion ($. 700 Cr.)
❖ Paytm is India's largest leading payment gateway that offers comprehensive payment services for customer
❖ It offers mobile payment solutions to over 7 million (70 lakhs) merchants and allow consumers to make
seamless mobile payments from
➔ Bank Accounts and
➔ Digital Credit among others.
❖ Paytm pioneered and are the leader of QR based mobile payments in India.
With the launch of Paytm Payments Bank, Paytm aims to bring banking and financial services to half-a-
billion (50 Cr. population) un-served and under-served rural Indians..
Its investors include Softbank, SAIF Partners, Alibaba Group, Tiger Global and Ant Financial.
One of the new investors is Discovery Capital.
➔ ESCROW A/C: An agreement between two people or
organizations in which money or property is kept by a third
person or organization until a particular condition is met.
➔ Affiliation Marketing and Adspace on the app.
➔ The merchants, brands are invited to place their
banner/text/video ads on the app through
Google Adsense by Paytm.
➔ Paytm gets its cut 51% to 68% from Google when
the user clicks on the ads/offers/text/coupons etc.
2010 - Founded and started off as a Prepaid Mobile and DTH recharge platform,
2013 - Launched Data Cards, Postpaid Mobile and Landline Bill payments.
2014 - Paytm launched the Paytm Wallet, and the Indian Railways and Uber added it as a payment
2014 - It also launched into mobile commerce with Online Deals and Bus Ticketing.
2015 - It unveiled more use-cases like Education fee, Metro Recharges, Electricity, Gas, and Water
2016 - Paytm launched Movies, Events and Amusement Parks ticketing as well as Flight ticket
bookings and Paytm QR.
➔ It also launched Rail bookings and Gift Cards.
➔ Paytm became India’s first payments app to cross over 100 million app downloads.
➔ The same year, it launched Paytm Gold, a product that allowed users to buy as little as ₹1 of
pure gold online.
➔ It also launched the Paytm Payments Bank and
➔ ‘Inbox’ - a messaging platform with in-chat payments among other products.
➔ By 2018, it also started allowing merchants to accept Paytm, UPI and Card payments directly
into their bank accounts at 0% charge.
➔ It also launched the ‘Paytm for Business’ app, allowing merchants to track their payments
and day-to-day settlements instantly.This led its merchant base to grow to more than 7
million by March 2018.
➔ The company also launched two new wealth management products - Paytm Gold Savings
Plan and Gold Gifting to simplify long-term savings.
➔ It also launched into gaming and investments – partnering with AGTech to launch a mobile
games platform Gamepind, and setting up Paytm Money to bring investment and wealth
management products for the Indian masses.
Bharat Interface for Money (BHIM) app fell to 6 per cent in the face of growing
competition from private players like Tez, PhonePe and Paytm as well as banks.