Paytm Postpaid launched | Spend now Pay Later

Paytm Postpaid
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After Flipkart, Its turn for Paytm to Launch Pay later Service. So Paytm Launched Paytm Postpaid which can be used to Pay without Credit or Debit card or Even without Paytm Wallet Money.

Hello Readers, I am Siddhant and welcome you to this Blog. So as you have Noticed that in this post we Gonna know about the new Service of Paytm.

After Flipkart Launched the Postpaid Services that they Called Pay Later, How could Paytm be Silent. So, Paytm finally Launched the Paytm Pay Later Services.

Paytm has over 200 Million Users (2017)


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Paytm Postpaid

After you enable this Service with your Paytm Account, You will able to Pay Online without any Credit Card or Debit Card or even Without Your Paytm e-Wallet. After Your Multiple Transaction, You can pay the Amount in a single Bill. That is Just Like Credit Card.

Paytm Postpaid Credit Limit

This Service has a Credit limit of up to 60,000. The Credit Limit may vary from Customer to Customer according to there Spend habit. If you use your Paytm Credit and Pay the Bill on Time, Your Credit Limit May Increase.

Early Access for selected Paytm users

After a few days of launch, Paytm Sent a Mail to their selected User saying, “Congratulations! You are among our 1st few Customers to Get Early Access for Paytm Postpaid. Now, You can do Your Mobile recharges and DTH recharges, Book Movies Tickets and Travel Tickets and Shop on Paytm Mall, without using your Card or Bank details or Frequent eWallet top-ups.”


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If you get the Same Email from Paytm, then you are selected for the Paytm Pay Later Services. But what if you didn’t get that email? Don’t worry! That was for early access. But you still have a Chance to Activate the Paytm Credit Service for You.

Benefits of Paytm Pay Later Service

Here are some of the Top Benefits of having Paytm Postpaid. And you can also decide what may be the Benefits for you according to your Needs in Daily Life.

  1. Pay without Credit Card, Debit Card or Paytm e-Wallet.
  2. Don’t need OTP to pay every time.
  3. The Credit limit for your Account could be Increase according to your Spend Habit.
  4. The spent credit Amount will be free of Interest.
  5. Quick approval of Paytm Pay later account.
  6. No any Extra Documents needed.
  7. A very nominal Late fee will Be Charged in case you do not Pay the Bill from 1 to 7th date of the Month.
  8. You can now Pay your Multiple Transactions in a Single Bill.
  9. Never Run out of Money.
  10. You can use Paytm Postpaid for daily needs.
  11. Instant refund for the Order in case you Cancel your Order.
  12. According to Paytm Official, Paytm Postpaid Customer will also get the Exclusive and Bumper Rewards like Movie Tickets, Cashback Among Order, etc.

These are the Top Benefits of using Paytm Postpaid. You can choose which one suit you Best. Now let’s See how to Activate using this awesome Service.

How to Activate Paytm Postpaid

activate your Paytm Postpaid

If you want to use this Service, you have to enable/Activate it for your Paytm Account. To activate, You need to Follow the Following Steps.


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Steps to Activate:
  1. Open Your Paytm Application in your Android or iOS.
  2. Go To your Profile Section.
  3. Click on the Option of Paytm Postpaid.
  4. Now a Screen of List of Benefits and some Terms and Conditions will appear.
  5. Click on the Apply Button.
Alternative Steps to Activate:
  1. Open your Paytm Application.
  2. In the banner, where, Pay, UPI Money transfer, Passbook options are Available, The last One is Paytm Postpaid.
  3. Click on the Option.
  4. Now Click Apply.

Now by Following these above steps, You are Ready to use new Service of Paytm. Enjoy Cashless and never run Out of Money. Thanks to Paytm and ICICI Bank (ICICI Bank is Providing the Credit).

Paytm Postpaid Bill Date

When you Spend using this Service, your Bill of all the transaction will be the Single Payment Bill that is Generated on Every 1st of the Month and Needs to be Paid upto 7th of the Month.

In Case you not able to pay the bill by 7th of the Month, a nominal Late fee will be Added to Your Bill that may go up to RS 600 on the Credit of RS 5,000+.


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Some Frequently Asked Questions

Where can you use Paytm Pospaid?

After Activating this Service, You can use it in all your Daily Needs. You can Recharge your Mobile, Recharge your DTH, Pay Bills and Book Movie Tickets. You can also shop on Paytm Mall.

How does my Credit limit get Decided?

When you Activated your Postpaid Service, did you notice, there is a Credit Limit in Your Account? The Credit Limit is Based on your Transaction History of Paytm. This Credit Limit can be Increased based on your Usage of Paytm Postpaid.

Is this service secure to Use?

Your Paytm Postpaid Account is Linked to Your Paytm Account. It means Your Paytm Postpaid is as Secured as your Paytm Account. Whenever you Pay using Paytm Postpaid, you’ll have to verify with your 4 Digit Passcode and Screen Lock. So there are two layer Security for your Postpaid Account.

What happens if I forget to Pay the Bill before due Date?

In case you forget to Pay the bill of Postpaid, Paytm will remind you on 1st, 10th and 15th Date of Month asking to Pay the due bill. If you still missed the Deadline, You will not be able to transact through Paytm Postpaid and when you pay the Bill, a nominal Late Fee will be levied to your Due Amount.


So, Readers, these were the Full details about Paytm Postpaid that you must Know. Make sure you help your Freinds to Know all these details about Paytm Postpaid. Do share this Article with your Friends and if You are Facing any Issue related to this Topic, feel free to Comment below. I will help you as soon as I can.

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About Siddhant

I am a Professional full-time blogger, Freelance Article writer, Web Designer, and a Graphic Designer. Here we share all the Tech Support related Posts.

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3 Comments on “Paytm Postpaid launched | Spend now Pay Later”

  1. “Hi there! I’m at work surfing around your blog from my new apple iphone! Just wanted to say I love reading your blog and look forward to all your posts! Carry on the great work!”

    1. Hi Eebest,
      Thanks for Commenting Here. Keep visiting Our Blog for More Interesting Stuff.
      Support us by Sharing our Blog with your Good friends.
      Thanks Again

  2. Hey Siddhant!
    I want to be more clear. Actually I don’t have any Account in ICICI bank.
    As the Bank Providing Credit and I don’t have a A/c, Will i I get the Postpaid On Paytm?
    Please Reply.

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