Paytm Postpaid On UPI Launched: Here’s How To Activate The New Pay Later Option

Paytm has rolled out a new feature called Postpaid on UPI, which allows you to spend instantly and pay back the following month. The service has been launched in partnership with Suryoday Small Finance Bank and is supported by NPCI. In simple words, it adds a short-term credit line directly to your UPI payments. Also Read: Parents can now give pocket money digitally through Paytm UPI; Here’s how

With Paytm Postpaid on UPI, you don’t need to worry about paying on the spot every time you make a purchase or clear a bill. The feature works across all UPI merchants, whether you’re scanning a QR at your neighbourhood shop, shopping online, or just recharging your phone and paying household bills. The process is the same as any other UPI transaction, but instead of the money being deducted right away, you get up to 30 days of interest-free credit. That way, you can spend through the month and settle the amount in one go when the next cycle begins. Also Read: How to avoid UPI fraud by identifying fake requests and common scam tricks

Who Can Use It?

At present, Paytm Postpaid on UPI is being rolled out in phases. A selected group of users, identified based on their spending behaviour, will be able to use the service first. Over time, Paytm will expand access to more users.

How to Activate Paytm Postpaid on UPI

If you’re eligible, here’s how you can set it up:

Add Techlusive as a Preferred Source

• Open the Paytm app and tap the Paytm Postpaid icon.
• Now, enter your details, complete KYC, and set up the mandate.
• Make sure to link your UPI account with Suryoday Small Finance Bank.
• You will need to authenticate using Aadhaar and create your UPI PIN.
• That’s it! Your Postpaid credit line will be ready to use on UPI.

Managing monthly expenses can sometimes feel tight, especially toward the end of the month. Paytm Postpaid on UPI adds a layer of flexibility by letting you pay later while still using the same UPI process you’re already familiar with.