Paytm launches postpaid credit line on UPI with Suryodaya Bank

On September 17, 2025, Paytm announced the launch of "Paytm Postpaid," a credit line on UPI in partnership with Suryodaya Small Finance Bank. This service offers consumers up to 30 days of interest-free credit, enabling them to make instant payments across merchant UPI QR codes or online platforms and settle the amount the following month. The facility is powered by NPCI and is being rolled out to a selected base of consumers, with plans for broader expansion.

The "Paytm Postpaid" service provides flexibility to manage liquidity for daily expenses and ensures instant settlement for merchants. Avijit Jain, chief operating officer - lending at Paytm, highlighted the solution's aim to simplify life by facilitating payments for local stores, household bills, and online shopping. Vishal Singh, chief information officer and head digital banking at Suryodaya Small Finance Bank, emphasized the collaboration's commitment to expanding access to secure and responsible credit.

Users can onboard by tapping the Paytm Postpaid icon on the app's home page, creating a Credit Line on UPI account, validating KYC, setting up a mandate, and linking their account with UPI. They will then choose Suryodaya Small Finance Bank, authenticate with Aadhaar, and set up a UPI PIN to start making payments through the credit facility.