Easy Step By Step(A to Z) :How To Use Paytm Wallet

Paytm Wallet

What is Paytm?

It is an Indian e-commerce digital payment system and is available in 11 various Indian languages. It was introduced in August 2010.  The benefits of utilizing Paytm is that you can easy way do all kind of secured online transaction such as events bookings, utility bill payments, travel, movies, and mobile recharges along with parking, vegetable and fruits shops, restaurants, in-store payments at grocery stores, educational institutions, tolls, and pharmacies with the Paytm QR code.

Categories Of Paytm

To undestand how to utilize Paytm, we have to know the categories of Paytm in detail. Paytm is divided into three chunks. These are :

  1. Paytm Wallet: In the wallet, you do add cash and you can utilize anywhere for payment transactions using your mobile number or using its Qr code
  2. Paytm Mall: The another one is Paytm Mall, applying this feature you can easily do online shopping through Paytm.
  3. Paytm Bank: The third one is Paytm Payment Bank as you apply this feature to open an account, and then you will obtain a FD, debit card, orcheckbook.

How To Create Paytm Account

Foremost, download the Paytm app from Google play store. When the installation is completed, Paytm do ask permission to gain files, photos, and media on your device. Hit to allow to offer full permission to Paytm.

Now follow out the given ways to create a Paytm wallet account.

STEP 1: If you have already create a Paytm account then you will require to hit “Login to Paytm”. If you need to generate a new account then hit “Create a New Account”.

STEP 2: Enter your permanent mobile number and then click “Proceed Securely”.  After that, you will receive an OTP to verify your number.

STEP 3: Insert your OTP and hit “Proceed SecurelyThen Paytm will verify and would ask permission to “permit Paytm to manage and make phone calls?”.

STEP 4: Hit the” Allow” button. Now you have successfully generated your Paytm account.  Congrats!!

This is the step by step method to how you create Paytm account in a proper manner. Now let us understand how to activate the Paytm Wallet.

How To Activate  Paytm Wallet 

Now, your account has been generated in Paytm. Just hit on the tree lines on the extreme top left and then hit your “phone number”. Then you will be permit to see your QR code. To utilize QR code you would require to activate your wallet. So hit the “Activate Now” button.

Then Paytm will divert you to a page where it will ask you to give in any of the document proof as per RBI rules. Such as NREGA Job card, Driving Licence, Voter ID, Passport or Pan card.

Select any of your valid id mention above and enter its unique number.


For example, If I select Voter Id card then I will have to insert the Voter ID card number with my complete name mention in my Voter Id. Then at last hit the tick mark to confirm and then hit the “Submit” button.

Types OF KYC

The initial one is “MINI KYC” and the another one is “FULL KYC”.

For full KYC you suppose to go to the Paytm store which you can discover near your locality.

How to Utilize Paytm Wallet

To utilize Paytm Wallet, you would require to add cash into your wallet account. So, let us see how you will add cash to the Paytm wallet.

  1. Click “Add Money”
  2. Click “Paytm Wallet”
  3. Enter the amount
  4. Click “Proceed To Add Money
  5. Select any of the alternatives such as Debit Card, Net Banking, BHIM UPI or Credit Card to add cash into your Paytm wallet
  6. To add cash from your debit card, add your expiration date, debit card number, and CVV code and then hit “Pay Securely
  7. Now you will obtain an OTP from your bank. Enter the OTP number and then hit the “Submit” button.
  8. Cash will be in the end added to your Paytm wallet
  9. To inspect the balance on your Paytm Wallet, hit “Passbook
  10. There is one more alternative on the menu called “Pay”. When you will hit this alternative then you can utilize QR codes to scan to pay the payment of your bills.
  11. If you require to send cash through a phone number, just enter the number of the individual who has Paytm account and then hit “Proceed” to pay the payment
  12. There are many alternatives in Paytm. Such as you can recharge your number, DTH, book a movie ticket, shopping, you can pay your electricity bill and many more.

These are the many stuff you can do utilizing Paytm wallet. I hope you have understand how to utilize Paytm Wallet.

How To utilize Paytm Shop/ Paytm Mall

Look below the footer of the Paytm on your smartphone and you will see an option called “SHOP”. When you will hit the “SHOP”. Paytm Mall will be opened. In this section, you do shop at Paytm Mall.

A list of items that you can buy in Paytm Mall is given below.

  • Sunglasses
  • Apparels (Men’s & women)
  • Grocery items
  • Electronics items
  • Mobiles
  • Toys for kids
  • Bags & luggage
  • Beauty & Grooming
  • And many more items

Now we understand how to utilize Paytm Mall. Now we will go into the last category called Paytm Bank.

Let get started again

How to Use Paytm Bank

  1. Hit to Paytm Bank and then set your Paytm Payments Bank passcode
  2. After settling down the passcode, you will get an alternative to Add a nominee for your Bank Account
  3. If you need to add right now you can add it or you can add it in later time too. Hit the tick tick marks and then hit “Proceed” to continue.
  4. Wait for few time. To open an account in Paytm Bank, you suppose to complete your full KYC.
  5. When your KYC is fulfilled, then your Paytm Bank account will be open up automatically.
  6. Your mobile number would be your account number. Here you will provide a Debit card also.


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