Add Credit Card to Paytm: Everything You Must Know

2023-06-04 00:07:34 - Grace Browns Grace Browns has been a lifestyle, fashion, and beauty writer for over 5 years, and she currently serves as a senior editor at

In 2010, Paytm entered the scene as a major player in e-payment and e-commerce portals. This brand name is actually an acronym that stands for "Payment through Mobile". The platform not only offers online shopping, but also includes a wallet and payment gateway. Over time, Paytm has become increasingly popular thanks to its innovative approach to cashless transactions.

The Paytm application provides a virtual wallet known as the Paytm wallet. Account holders can add money through their credit or debit card, as well as via net banking. They can also send and receive money through this wallet for the purpose of refilling it. Money accumulated in the Paytm wallet can be used to pay for a variety of services and products, such as electricity bills, phone bills, gas, DTH recharge, water bills, and metro rides. Common Google searches related to Paytm include topics such as adding credit cards to Paytm and adding money to Paytm from credit cards. We are here to answer those questions in this article.

How to Add a Credit Card to the Paytm Mobile Application

There are two simple ways that Paytm account holders can add money to their Paytm wallets using their credit cards, either through the application or the website. All they have to do is follow the steps given below:

  • On the Paytm Website:
  • Step 1: Visit the official Paytm website and log into your Paytm account using your registered phone number or email id.
  • Step 2: Once you have logged in, you will be directed to a new webpage that includes options, such as the "Add Money" option.
  • Step 3: You will be prompted to choose the mode for adding money, such as debit/credit card, IMPS, net banking, and write in the amount you wish to add.
  • Step 4: After selecting the Credit Card option, you will be redirected to the secure payment page.
  • Step 5: Fill in the card details like card number, name on the card, validity, CVV number, etc.

Step 6: The account holder can choose to save the credit card details. However, you will still have to enter your CVV number every time you make a payment for security reasons. This approach ensures faster payments.

Step 7: Once you have entered the required credit card details, click on the submit tab to proceed with your transaction. Once the transaction is completed, you will be redirected to your Paytm account's homepage, with the transferred amount visible in your Paytm wallet.

On the Paytm Application:

Step 1: Open the Paytm app on your mobile device and click on the "Add Money" option that appears at the top of the homepage.

Step 2: Then, select your payment mode from credit/debit card, IMPS, and net banking.

Step 3: On selecting the credit card option, you will be directed to a secure payment gate where you will be asked to fill in card details, such as name on the card, card number, validity, and CVV number.

Step 4: Account holders are given a choice to save credit card details for future transactions. However, you will still have to enter your CVV number every time you make a transaction, for security reasons.

Step 5: After entering the required details, click on the submit tab, and the money will be added to your Paytm wallet.

How to Remove Credit & Debit Cards from Paytm?

The following are the steps to be followed to delete credit/debit card details from the Paytm app:

  • Step 1: Open your Paytm account on the app.
  • Step 2: Click on the 'Profile Avatar' option located in the upper left corner of the screen.
  • Step 3: From the Paytm menu list, select the 'Settings' option.
  • Step 4: Once in the 'Settings' menu, navigate to the 'Payment Settings' option and tap on it.
  • Step 5: From the list that appears, click on the 'Saved Payment Details' option.
  • Step 6: Under this option, you will find all credit and debit card details that you have previously used for transactions.
  • Step 7: Select the card you wish to remove.
  • Step 8: Slide the selected card to reveal the 'Delete' option in red.
  • Step 9: Click on the 'Delete' option to permanently remove the card details.
  • Advantages of Adding Your Credit Card to Paytm

    Outstanding Payment Security

Payment security is paramount when it comes to online transactions. Paytm's payment gateway utilizes anti-fraud technology to ensure that all payment transfers are securely processed and there is a dedicated team of experts to safeguard user information.

Paytm's payment gateway is certified by the Payment Card Industry - Data Security Standards with 128-bit encryption. AI is employed to detect and block suspicious transactions, and the security feature scans other applications installed by users to assess risks. In case of a controversial application, transaction permissions are not granted until the app is removed.

Quick and Effortless Check-Out with Saved Credit Card Details

Imagine purchasing a product online and having to enter your credit card information every time you check out. This transaction time increase may lead to customers abandoning their purchases and not becoming a regular customer.

Employing Paytm's payment gateway allows for easy check-out with saved card details, reducing transaction times and increasing the likelihood of customers becoming regular patrons. Paytm's payment gateway comes with a global vault that audits users' credit card and debit card details on a regular basis by authorities like NPCI and PCI-DSS.

How to Make Payment Using Your Credit Card in Paytm?

Follow the steps below to pay using your credit card in Paytm:

  • Step 1: Open the Paytm app and log in using your email ID or registered phone number.
  • Step 2: Upon logging in, you will be directed to a page with various options, including the 'Add Money' option.
  • Step 3: Select the mode of adding money, such as credit/debit card, net banking, IMPS, and enter the required amount.
  • Step 4: Choose the credit card option, and you will be redirected to a secure payment page where you can enter your credit card details.
  • Step 5: Enter your card number, card name, validity, and CVV number.

Step 6: Save the credit card linked details, and they will appear on the transaction section. However, you will need to enter your CVV number every time you use your card for security purposes.

Step 7: Click the 'Submit' button to proceed with your transaction. After completion of the transaction, you will be redirected to your Paytm account homepage with the transferred amount in your wallet.

How to Pay Your Credit Card Bill on Paytm?

Step 1: Open the Paytm app.

To initiate payment using your credit card, follow these steps:

  • Step 2: Upon accessing the welcome page, select the 'Credit Card' option.
  • Step 3: Input your credit card number into the specified field.
  • Step 4: If not automatically loaded, choose your card issuer from the list of options.
  • Step 5: Indicate the amount you wish to pay.
  • Step 6: Select the 'proceed' option to initiate payment.
  • Step 7: Opt for your preferred payment issuer.
  • Step 8: On the next screen, select 'pay now' to complete the transaction.
  • Step 9: Enter your UPI pin to effect the payment.
  • Frequently Asked Questions (FAQs)

✅If I transfer money to someone who doesn't have a Paytm account, how will they receive it? In this event, the recipient will receive an SMS with a link to create a Paytm account. However, they must create an account within three days of transfer to avoid the refunding of funds to the sender.

✅How can I verify if my Paytm payment has been successful? If Paytm sends you an SMS notifying you of the deduction from your account, it signifies that the transaction has been successful. Be sure to check the post-payment confirmation on your Paytm app. You can also check your transaction history via the passbook feature on the app.

✅What are push notification payments, and where can I use them? You can use Paytm wallet for transactions with any merchant. Once you provide your phone number, you will receive a push notification containing the amount and merchant details. Follow the prompt to pay.

✅Are there any fees for sending money via Paytm? No, Paytm doesn't charge any fees for money transfers. The entire amount is transferred to the beneficiary without any penalty.

✅What is the maximum amount I can transfer via Paytm? You can transfer up to Rs 25,000 per month to other Paytm users and your bank account.

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