Paytm is a digital payment network that enables users to send money to anyone immediately via UPI and the Paytm wallet. Paytm offers a virtual wallet called the Paytm wallet. Users of Paytm can add cash to their wallets with credit cards, debit cards, or net banking.
They can also use this wallet to transfer or receive money. When you link a credit card to the Paytm app, you won't have to enter your card data such as the card number and expiry date every time you make a payment.
In this article, we will look at how to add a credit card to your Paytm account and make payments more seamless.
Users looking to add credit cards in Paytm can follow these steps to do so easily:
On your Paytm mobile app, click on your profile photo in the upper left corner of the screen which will lead you to your profile section.
The left sidebar will show a variety of options for you to select from. Choose the 'Payment Settings' option to add a credit or debit card to your Paytm account.
Next, select the 'Saved Cards' option.
Your added cards will appear on the next screen. Click the 'Add New Card' button beneath the card details.
Next, you will be alerted that Paytm will deduct Re. 1 from your newly inserted card. This is done to authenticate your card information. Please be aware that the debited Re. 1 will be returned to your credit/debit card within 48 hours. Now, click on 'Proceed'.
The next screen will prompt you to enter your selected card information. Choose the option to 'Save this card for future payments'.
Go ahead and confirm the payment of Re. 1 from your new credit/debit card.
Once the payment is completed and your information is verified, your new card will be successfully added to your Paytm account.
Saving your credit or debit cards on the Paytm app avoids the need to enter your card information, such as the card number and expiry date, each time you make a payment.
It is recommended that you keep your credit card credentials for future use to make payments effortlessly.
Source: Paytm
Follow the instructions below to pay with a credit card in Paytm:
Step 1: Open the Paytm app and sign in with your email address or registered phone number.
Step 2: After logging in, you will be led to a screen with a variety of options, including the 'Add Money' option.
Step 3: Choose an option for adding money from a credit/debit card, net banking, or IMPS, and enter the amount you want to add.
Step 4: After selecting the credit card option, you will be taken to a secure payment page where you must enter your credit card information.
Step 5: Enter your details such as card number, name, validity, and CVV.
Step 6: Account holders can save credit card-linked details, which will appear in the transaction area.
However, remember that you must enter your CVV number every time you use your card, even if you have saved the credit card information, to preserve gateway security. This technique allows for a faster payment.
Step 7: After entering your credit card information, click on the submit tab to proceed with your transaction.
After your transaction, you will be taken to your Paytm account's homepage, with the transferred amount in your wallet.
Now that you know how to add your credit card to the Paytm app, we will look at how to remove the card details from your account. Here are the steps to erase credit card information from the Paytm app:
Step 1: Open your Paytm account
Step 2: Select the 'Profile Avatar' option from the upper left side of the screen.
Step 3: From the Paytm menu, select the Settings option.
Step 4: From the settings menu, select the 'Payment Settings' option.
Step 5: From the list that appears, select ‘Saved Payment Details’.
Step 6: Under this option, you may view all of the credit and debit card information you have used for previous transactions.
Step 7: Choose whichever card you wish to remove.
Step 8: Slide the selected card until you see the erase option in red.
Step 9: Select the delete option to permanently delete the card details.
Remember that the Paytm application is protected, and your card information is secure. To increase security, Paytm does not keep your CVV number and will prompt you to enter it each time you make a payment through the Paytm app.
Here are the benefits of adding a credit card to Paytm.
Payment security is critical for online transactions. Paytm payment gateway uses anti-fraud technologies to ensure that all payment transfers are performed securely and are fully safe for its clients. Furthermore, they have a specialized team of professionals that ensure that all user information and transactions are secure.
Paytm's payment gate is certified by PCI - DSS, or payment card industry - data security standards, and uses 128-bit encryption. Additionally, it uses AI to detect and prevent suspicious-looking transactions. The security feature examines other applications installed by the user to determine whether there are any risks.
If a dangerous app is detected, the Paytm payment gateway will not allow any transactions until the application is uninstalled.
Customers will be able to checkout using the Paytm payment gate by just entering their saved card details. It not only reduces transaction times, but it also secures the information through end-to-end encryption.
The Paytm payment gateway includes a worldwide vault for preserving users' credit card and debit card information on a secure cloud. The vault is audited regularly by agencies such as the NPCI (National Payment Corporation of India) and PCI-DSS.
Paytm enables customers to easily link credit cards to its mobile app and website, allowing seamless payments. During transactions, stored card information offers ease, security, and rapid checkouts.
By linking your credit card with your Paytm account, you can have a seamless payment experience across all of your services.
Paytm accepts most major credit cards issued in India, including Visa, Mastercard, RuPay, Maestro, and American Express. However, it's always a good idea to check with your card issuer if there are any restrictions on using your card for online transactions.
Paytm uses secure encryption methods to store your card information. They don’t save your CVV code, which you'll need to enter every time you make a payment for additional security. However, it's always recommended to be cautious about online transactions and practice good security habits.
Yes, you can use a credit card to add money to your Paytm wallet. Keep in mind that some credit card issuers might charge cash advance fees for such transactions. Be sure to check your card's terms and conditions before proceeding.
If you face any problems adding your credit card, you can contact Paytm's customer support for assistance. They can be reached through the app, website, or phone number listed on their official channels.
No, internet banking activation is not usually required for simply adding your credit card to Paytm. You'll only need your card details and verification might involve a small temporary charge to confirm ownership.
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