Paytm BHIM Unified Payments Interface

Paytm BHIM UPI offers users a seamless, secure, and quick way to manage digital transactions. Below are the key benefits:

• Instant Fund Transfers: Transfer money 24/7 instantly to any bank account using UPI – even on holidays.
• No Transaction Charges: Paytm BHIM UPI does not levy any charges on peer-to-peer UPI transactions.
• Secure Payments: Protected by two-factor authentication and UPI PIN security, ensuring safe transactions.
• Multiple Bank Accounts Linking: Users can link and manage multiple bank accounts through a single UPI ID.
• Merchant Payments Made Easy: Easily pay for shopping, bills, and services by scanning QR codes or entering UPI IDs.
• Trackable Transaction History: Check and manage all UPI payments through the Paytm app in real time.
• Wide Acceptance: Use BHIM UPI across thousands of apps, e-commerce sites, and retail outlets that accept UPI.
• Integration with Paytm Wallet: Though not directly linked, users can easily switch between UPI and wallet features within the Paytm app.

How to Set up Paytm BHIM UPI ID and PIN

Step 1: Login to the Paytm app

Step 2: Link your bank account by clicking on BHIM UPI (Follow the steps above)

Step 3: Proceed to set a UPI PIN after the bank account has been verified

Step 4: If you have not used UPI before, the UPI ID is created at this point of time and linked to the bank account

Step 5: Generally the UPI ID will be in this format: yournumber@paytm. Once this is created the UPI QR code will also be generated.

How to use BHIM UPI on Paytm

The first step is to download or upgrade to the most recent version of the Paytm app. The following is the step-by-step process to activate BHIM UPI on Paytm and add a bank account:

Step 1: Login to the Paytm app

Step 2: Go to the home screen and click on BHIM UPI

Step 3: Choose a bank account and wait for the bank to verify the account and mobile number details with the Paytm account

Step 4: Post bank account verification, proceed to set up UPI ID and pin

How to Send Money Using Paytm BHIM UPI

Step 1: Login to the Paytm app

Step 2: Click on the 'BHIM UPI' option on the home screen

Step 3: Choose the 'Send Money' option

Step 4: Key in the UPI ID of the payee/beneficiary and enter the amount of money you want to send

Step 5: The last step is to authenticate the transaction with a UPI PIN and confirm the payment.

How to Collect Money Using Paytm BHIM UPI

Step 1: Login to the Paytm app

Step 2: Tap the 'BHIM UPI' option on the home screen

Step 3: Choose the 'Request Money' option

Step 4: Key in the UPI ID of the sender to raise the request for money

Step 5: There is also an option to set up the expiry date within in which the money has to be sent. The sender can either approve or decline the request.

How to Approve or Decline a Collect Request on Paytm BHIM UPI

Step 1: Login to the Paytm app

Step 2: Go to the 'Pending Requests' section that comes under 'BHIM UPI'

Step 3: All requests made will be displayed here for approval

Step 4: To approve or decline a transaction it is a must to enter UPI PIN

How to Pay a Merchant Online Using Paytm BHIM UPI

Payments can be made for online purchases to merchants who accept UPI on Paytm. Below is the stepwise process to pay a merchant online using this app:

Step 1: Key in the UPI ID on the website

Step 2: A payment notification will be sent to the app

Step 3: Click on the notification and approve payment request by providing the pin.

Paytm BHIM UPI Transaction Limits & Charges

Understanding the transaction limits and charges ensures a smooth experience while using Paytm BHIM UPI.

Transaction Limits:

Charges: