PRESENTED BY:
SWATI PANDEY
MBA-11 SEM-1
ROLL NO:202110702010035
SUBMITTED TO- NIDHI SHUKLA 

SHRI RAMSWAROOP MEMORIAL UNIVERSITY

LUCKNOW
 CONTENTS
 Introduction
 Timeline
 Applications 
 Advantages
 Disadvantages
 Challenges and other alternatives
 Conclusion 
 Bibliography
 INTRODUCTION
 100% subsidiary of One97 Communications Limited
 Engaged in the business of e-commerce and m-commerce services
 Sells mobile recharge / bill payment through multiple channels:
 www.paytm.com (Web site, WAP)
 m.paytm.com (Mobile site)
 Java/Blackberry / iPhone / Android Application
 Recharge via SMS, IVR
 Sells bus tickets on Web and WAP
 Easy payment option via Paytm Cash (Digital Wallet)
 secure and Reliable. 24 X 7 customer support.
 3 lakhs+ FB Fans and growing - Facebook.com/Paytm
 The #1 mobile recharge app in the country!
 Paytm is India’s biggest transacting website (after IRCTC).
 Paytm is India’s fastest growing consumer internet brand
 TIMELINE
 2009-10 Launch of Paytm –online recharge portal , India biggest in this category .
 2010-11 Raises series C funding from SAP ventures. Handles over 35 billion calls
on a monthly basis on the one97 platforms .
 2011-12 Over 500 million subscribers handled on a daily basis.
 Organizationally crosses 1000 employees .
 Launch of bills and ticketing vertical in Paytm .
 launches services with 3 operators in Africa .
 2012-13 Launch of Adworks -- mobile advertising platforms.
1. Expansion in international market.
2. Handling over 40 billions calls monthly basis on its platforms .
APPLICATIONS
 ADVANTAGES

 Easy to accept payment through multiple payment sources e.g. Paytm Wallet,
Bank account via UPI ,Debit or credit cards, Net banking, EMI option on
cards, Paytm Postpaid
 High security of payments
 Industry-high success rates
 Easy checkout with saved cards
 T+1 bank settlements
 Business growth insights on Paytm Merchant Dashboard
 ADVANTAGES
 UPI Payment Acceptance using QR and Payment Gateway.
 SDK integration with app and website for easy and quick payments.
 Payment gateway for online stores with multiple payment options
accepted.
 Paytm always had a positive impact on the ROI in each use for our
business.
 Paytm also has good impact on ROI in other options also because Paytm
charges
 low transaction fee on other payment methods like cards, netbanking etc.
 DISADVANTAGES
 Merchants who are looking to accept payments from international customers
or international payment methods.
 Multiple functions of Paytm, like the payment gateway, require an upgraded
account, which requires some documentation.
 International payment methods are not accepted using Paytm.
 POS device pricing is higher than other service providers of the same.
 Customer service experience needs improvement. The support team takes a
lot of time for issue resolution.
 For Paytm wallet top-ups using a credit card, additional charges apply.
 CHALLENGES

 Difficulty in adoption of change.

 Unacceptance due to fail of security breach and fraud.
 Competition from credit and debit cards.
 Trade mark infringement case filed by PayPal.
 Transactional and performance issues.
 OTHER ALTERNATIVES

 PhonePe – This Indian payment app is as popular as Paytm nowadays. It offers a

variety of services just like Paytm.
 Bajaj Fiserv app – This app is a new entrant in the realm bill payment apps.
Nonetheless, it is a very good alternative to Paytm. It allows mobile recharges,
utility bill payments, money transfer etc.
 Payzapp – Recharges, money transfer, payments etc everything is hosted on this
app developed by HDFC.
 MobiKwik – This app is also one of the earliest entrants as a Payments app. It
gradually became as popular as Paytm. You can recharge your mobile,
subscriptions, transfer money, pay bills etc.
 CONCLUSION

 Paytm stands to benefit from the explosive growth happening in India in the digital
space. Nevertheless, its competitors also take a share of the growing pie. What
makes Paytm stand out is the first-mover advantage in the minds of consumers that
will play a role to a certain extent and the rapid scaling of the network to almost all
throughout India. This is evident from the market share it commands UPI-based
merchants payments, nearly 60%[3]. Paytm is very well integrated across all
services, which many of its competitors lack. If Paytm tries to offer value to
consumers by constantly innovating, it can prosper for a very long time.
 BIBLIOGRAPHY

 https://paytm.com/
 https://www.trustradius.com/products/paytm/reviews?qs=pros-and-cons
 https://inc42.com/wp-content/uploads/2021/06/Paytm-Universe-2.jpg
 THANK YOU