Paytm PostPaid

Q: What is Paytm Postpaid?

A: Paytm Postpaid is a buy now, pay later service offered through Paytm's NBFC partners. It allows users to receive credit of up to ₹60,000 every month at 0% interest for a maximum of 30 days. This credit can be used to make purchases, pay bills, recharge, book services, etc. on over 1.5 million websites and outlets. The credit must be repaid in full the following month.

Q: Who can apply for Paytm Postpaid?

A: To be eligible to apply for Paytm Postpaid, you must meet the following criteria:

1. Have a valid PAN number

2. Be 20 years of age or older

3. Complete online KYC verification through CKYC or Aadhaar number

4. Be an Indian resident.

It should be noted that approval for Paytm Postpaid is subject to Paytm's NBFC partner's risk policy, so there may be additional requirements or considerations for approval.

Q: How to active Paytm Postpaid to buy now, pay lator?

A: To apply for Paytm Postpaid, you can follow these steps:

1. Click on the Postpaid icon on the Paytm homepage.

2. Fill in your PAN number, date of birth, and email address. Provide your consent to fetch your credit report by checking the relevant checkbox.

3. Wait for the system to generate the best offer for you.

4. The offer will be generated with a credit/loan limit.

5. Take a selfie to complete the KYC check.

6. Verify your Aadhaar through OTP.

7. Confirm your details and activate Paytm Postpaid.

Q: How do I get Paytm Postpaid?

A: To get Paytm Postpaid, you need to have a Paytm account and apply for the credit facility. The application process typically involves a credit check and verification of personal information.

Q: What is Paytm Postpaid Refer and Earn Program?

A: Paytm Postpaid Refer and Earn Program is a referral program offered by Paytm where users can earn cashback by referring their contacts to sign up for Paytm Postpaid. The program works by allowing users to share their referral link with their contacts. If a new user signs up using the referral link and makes their first transaction of ₹1 or more using Paytm Postpaid, the referrer will receive ₹100 cashback. The signed up user will also benefit, as they will be able to receive up to ₹60,000 credit every month at 0% interest.

Q: Is there a credit limit for Paytm Postpaid?

A: Yes, Paytm Postpaid has a credit limit that is assigned to each user based on their creditworthiness and financial history. The credit limit determines the maximum amount you can spend using Paytm Postpaid.

Q: How do I repay my Paytm Postpaid balance?

Your Paytm Postpaid balance can be repaid through the Paytm app or website. The due date for repayment will be indicated on your monthly statement.

Q: Is there a late fee for not paying my Paytm Postpaid balance on time?

A: Yes, Paytm may charge a late fee for not paying your Paytm Postpaid balance on time. The amount and conditions for late fees will be specified in the Paytm Postpaid terms and conditions.

Q: Can I use Paytm Postpaid to pay for all Paytm services?

A: Paytm Postpaid can be used to pay for a variety of Paytm services, including mobile recharges, bill payments, and more. However, some services may not be eligible for Paytm Postpaid, so it's best to check the Paytm website for a complete list of eligible services.