Mumbai, 18th September 2025: Paytm (One 97 Communications Limited), India’s full stack merchant payments leader serving MSMEs and enterprises, a leading financial services distribution company, and the pioneer of mobile payments, QR codes, and Soundbox, has launched Paytm Postpaid as Credit Line on UPI, powered by NPCI, in partnership with Suryoday Small Finance Bank. This innovation enables consumers with instant short-term credit and the convenience of ‘Spend Now, Pay Next Month’.

With Paytm Postpaid, consumers can pay via UPI using a credit line across merchant touchpoints, from scanning QR codes and shopping online to recharges, bill payments, and bookings on the Paytm app. Offering up to 30 days of credit, the service provides flexibility to spend instantly and repay the next month. The service is being rolled out to select users based on spending behaviour, with phased expansion ahead.

How to onboard on Paytm Postpaid:

• Open the Paytm app and tap the Paytm Postpaid icon on Home page
• Create Credit Line on UPI account by filling the basic details, validate KYC and setting up the mandate
• To start using the Credit Line, Link the account with UPI
• Choose Suryoday Small Finance Bank and authenticate using Aadhaar
• Set up a UPI PIN and start making payments through the linked credit facility on UPI