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  • Methods to Add Money from Credit Card to Paytm Wallet

    Paytm is one of the largest e-commerce and e-payment portal that was launched in the year 2010. The name of the brand is an acronym that stands for "Payment Through Mobile." Along with online shopping, the brand comprises a payment gateway and a wallet. With time, Paytm has earned a lot of popularity because it promotes cashless transactions.

    What is Paytm Wallet?

    The Paytm app contains a virtual purse called the Paytm Wallet. The account holder can add money to it using a debit card and credit card, or through netbanking. They can also receive or send money using this wallet to refill it. The amount of money accumulated in the wallet can be used to pay for products and services including phone bill, electricity bill, DTH recharge, gas, metro rides, water, and college fees.

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    How to Add Money to Paytm Wallet Using a Credit Card?

    Account Holders can add money to their Paytm Wallet in two simple methods using their credit cards- through the website or the app. All they need to do is follow the step listed below:

    On the Paytm website:

    • Step 1: On can visit and log into their Paytm account using their registered email id or phone number.
    • Step 2: Once they do that, they will be led to a new page that will contain a number of options including "Add Money."
    • Step 3: They will need to select the mode of adding money from the list of options that include credit/debit card, netbanking, and IMPS and type in the amount of money they want to add.
    • Step 4: On selecting the option of "Credit Card," they will be redirected to a secured payment page on which they will need to fill in their card details.
    • Step 5: They will need to fill in details like card number, name on the card, validity, and CVV number.
    • Step 6: The account holder can save the details of the credit card and it will appear on screen from the second transaction they make. However, they will need to enter their CVV number each time they use the credit card even after saving its details to maintain the security of the gateway. This method ensures faster payment.
    • Step 7: Once they finish entering the required details of their credit card, they will need to click on the "Submit" tab for the transaction to proceed. Once the transaction is completed, they will be redirected to the homepage of their Paytm account with the transferred amount in their Paytm Wallet.

    On the Paytm app:

    • Step 1: Once the account holder opens the app on their phone, they would need to click on the "Add Money" option that appears on top most strip on the homepage.
    • Step 2: Once they click on it, they will be asked to select their mode of payment from debit/credit card, netbanking, and IMPS.
    • Step 3: On selecting credit card, they will be directed to a secure payment gateway on which they will need to fill in their card details like card number, name on the card, validity, and CVV number.
    • Step 4: The account holder will be given the option to save the details of the credit card to make payments faster from their second transaction. However, they will still need to enter their CVV number every time they try to make a transaction for security purposes.
    • Step 5: Once the details have been entered, they will need to click on the “Submit” tab after which the money will be added to their Paytm Wallet.

    Transfer Charges on Adding Money to Paytm Wallet Using a Credit Card

    Account Holders don’t need to pay any charge on using a credit card to add money to their Paytm Wallet.

    How to Add Money from Credit Card to Paytm Wallet FAQs

    1. I have transferred money to a friend who does not have a Paytm account. In this case, how will he/she get the money?

      If the beneficiary to whom you have sent the amount does not have a Paytm account, the person will get an SMS along with the link for creating a Paytm account. Keep in mind that if the person does not create the account within 3 days of you sending the money, the amount will be refunded to you.

    2. How can I check if my Paytm payment has been successful?

      If you receive an SMS from Paytm informing you about the deduction in account balance, you can be sure that the transaction has been successful. Make sure to look for any post-payment confirmation screen on the app itself. You can also check the passbook section of the Paytm app and keep track of the transactions.

    3. What is the meaning of the Push app notification payment and where can I use it?

      You can use the Paytm wallet balance at any store. Once you share your mobile number with the merchant, you will get a push notification, and this will have the merchant details and the amount that has been requested. You can then tap on the push notification and click ‘Pay’ to process the amount.

    4. What charges will be applicable when I send money via the Paytm app?

      When you transfer money via the Paytm app, it is free and the whole amount which you have entered will be transferred to the beneficiary without any charges being deducted.

    5. What is the maximum amount I can send via the Paytm app?

      In one calendar month, you can only transfer up to Rs.25,000 to a Paytm user or to your bank account.

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