paytm postpaid

Paytm Postpaid: How to Register and Everything Else You Need to Know

Paytm postpaid was announced last year by Paytm in partnership with ICICI Bank to provide digital credit to consumers

Running short of money this month? Need a loan? What if we said that you could get it without having to go to the bank? That’s what Paytm Postpaid is offering. Paytm Postpaid is probably one of the most seamless way to access interest-free short-term digital credit. This offering enables millions of Paytm customers to get access to instant credit for the first time for everyday use ranging from paying for movie tickets, mobile and DTH, electricity bills, online shopping and travel booking.

Paytm partnered with ICICI Bank for this, making the move the country’s first tie up between a Scheduled Commercial Bank and a payments platform to offer digital credit to customers of the commerce platform instantly. Paytm-ICICI Bank Postpaid is a digital credit account with instant activation: with no hassles of documentation or branch visit, while activation is fully online. There is no transaction, joining or hidden administration fees either.

Available 24×7 and on all days, it is based on a new Big Data based algorithm by ICICI Bank for real-time credit assessment of customers. The algorithm uses an intelligent combination of financial and digital behaviour of the customer including credit bureau check, purchase patterns, frequency of purchase to ascertain the credit – worthiness of a customer within a few seconds. Based on the credit-score of the customer, the bank offers upto 45 days interest-free credit limit.

In the beginning, Paytm Postpaid offered the credit limit to select customers of the bank using the Paytm app. Once the credit limit is set up for a customer, a consolidated bill is generated on the first day of the next month, which has to be paid by the 15th day of the same month. Customers can use their Paytm Wallet, debit card or internet banking for an easy repayment of their dues.

It ranges from Rs 3,000 to Rs 10,000, extendable upto Rs 20,000 based on the repayment history. Paytm Postpaid will also offer a quick checkout to customers with the Paytm Passcode. Here’s how to use Paytm Postpaid:

  1. Go to Profile, Click on Paytm Postpaid
  2. Provide Aadhaar and PAN Details
  3. Get your Spends Limit based on your Paytm Purchases
  4. Choose Paytm Postpaid as Payment Mode
  5. All your Paytm Postpaid orders will be visible in Passbook
  6. Repay the debt by 15th of the next month using Paytm wallet, debit cards and netbanking

Users also need to set their passcode to start using their Paytm Postpaid, which is to be done by logging into Paytm app, going to security and settings under profile, and users can then change their passcode by clicking on set passcode/change passcode.





  1. Sandra

    Hi some times paytm postpaid takes time to get activated..also please know that it is not available to all users as of now

    • Supriya R

      Hi, The service is currently not available to everyone and is being rolled-out slowly. May take some time for you to get it

      • Nilisha agarwal

        Mam mene pay kiya hai ostpaid pat mera amounts ny show kar rha bank se cut gya paisa kaise pta chlega

        • Supriya R

          Hi Nilisha, Please check your bank account amount using the net-banking or app of your respective bank. You will know if the amount has been deducted based on a comparison with the previous amount that was available.

  2. Manpreet

    Sir mere pan card par last name nahi hai or last name ke bina mera paytm postpaid ki ditail wrong bol rahi hai main last name ke bina kaise formalities complete kar sakta hoon? ?

  3. Nilisha agarwal

    Mam mene pay kiya hai ostpaid pat mera amounts ny show kar rha bank se cut gya paisa kaise pta chlega

  4. Jaspreet Singh

    Sir meine 5000 pay kar diya lekin ab limit use nhi ho pa rahi waha par ye likha aa raha hai upgrade coming soon? Why sir/Madam?

  5. Sakil Islam

    I have excellent credit score but post paid offer yet not activated in my number. So please solve the problem as soon as possible.

  6. Patel vishwas

    I can not able to pay my postpaid bill. So please help me as fast as. There is no such options for pay the postpaid bill. What should I do?

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