Paytm

Paytm (One97 Communications) is India's leading digital payments and financial services company. Through Paytm for Business it operates a wide catalogue of payment APIs covering online payment gateway, UPI, payment links, subscriptions, auto-debit, pre-auth, refunds, settlement, payouts, token gateway, bank offers, EMI, disputes, and in-store retail solutions (Dynamic QR, EDC, Point-of-Sale). Backend integrations are exposed via REST APIs at the secure gateway (securegw.paytm.in), with first-party Android, iOS, Flutter, React Native, and Web JS / Custom Checkout / JS Elements SDKs, and server SDKs for S2S checksum-signed flows.

Paytm publishes 2 APIs on the APIs.io network: Payments API and Refunds API. Tagged areas include Payments, Payment Gateway, UPI, Payouts, and Subscription.

Paytm’s developer surface includes authentication, documentation, GitHub presence, engineering blog, and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub

31.5/100 thin ▬ flat Agent 24/100 agent aware Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessFreeSelf serve⚡ Free to try

1 APIs

Payments Payment Gateway UPI Payouts Subscription Refunds Settlement QR EDC Fintech India

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 31.5/100 · thin

Contract Quality 10.0 / 19

Developer Ergonomics 3.6 / 15

Access Clarity 4.3 / 15

Operational Transparency 2.6 / 10

Contract Governance 0.0 / 9

Discoverability 5.3 / 8

Regulatory Posture 2.8 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 24/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/paytm: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 17

Individual APIs this provider publishes, each with its own machine-readable definition.

Paytm Payments API

Core server-to-server payment initiation and status APIs. Generates transaction tokens, processes payments across UPI, cards, netbanking, and wallet, and exposes transaction-sta...

Paytm Refunds API

Initiates full and partial refunds against settled or unsettled Paytm transactions and exposes refund status retrieval. Supports instant refund flows for eligible payment methods.

Paytm Settlement API

Returns settlement reports and merchant payout cycles for transactions collected through Paytm, including settlement IDs, UTRs, and per-order breakdowns for reconciliation.

Paytm Subscriptions API

Creates and manages recurring payment subscriptions and mandates across cards, UPI AutoPay, and netbanking e-mandates. Supports plan creation, subscription activation, renewal c...

Paytm Auto-Debit API

Auto-debit mandate APIs for recurring collections, enabling merchants to register, authenticate, and debit customer accounts on a schedule under RBI's e-mandate framework.

Paytm Pre-Auth API

Authorize and later capture or release card holds. Used for travel, hospitality, and rental flows that need to block funds before final settlement.

Paytm Payment Links API

Generate shareable payment links for collection over email, SMS, WhatsApp, or social channels. Supports expiry, partial payments, and callback notifications on completion.

Paytm Token Gateway API

Card tokenization service compliant with RBI guidelines. Exchanges raw card PANs for network or issuer tokens that merchants can store and use for repeat charging and CVV-less f...

Paytm Bank Offers / EMI API

Returns available bank offers, instant discounts, no-cost EMI plans, and EMI subvention metadata for the customer's card or netbanking option at checkout.

Paytm Disputes / Chargeback API

Lists, retrieves, and responds to chargebacks and disputes raised against merchant transactions, including evidence upload and status tracking.

Paytm Dynamic QR API

Generates per-order dynamic UPI / Bharat QR codes for in-store and contactless collection, with order-linked status callbacks.

Paytm Status Notification Webhook

Server-to-server notification posted to a merchant-configured URL when a transaction reaches a terminal state. Includes signed payload with transaction, refund, or subscription ...

Paytm All-in-One SDK (Android)

Native Android SDK that hosts the Paytm payment experience inside the merchant app, supporting UPI, cards, netbanking, wallet, and Paytm Postpaid in a single flow.

Paytm All-in-One SDK (iOS)

Native iOS SDK that hosts the Paytm payment experience inside the merchant app across all supported payment methods.

Paytm JS Checkout

Browser JavaScript checkout that renders the Paytm payment page in two steps - server-side token creation followed by client-side invocation of the hosted checkout overlay.

Paytm Payments API

The Payments API from Paytm — 2 operation(s) for payments.

Paytm Refunds API

The Refunds API from Paytm — 1 operation(s) for refunds.

Scroll for all 17

Open Collections 4

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Paytm Payment Gateway Payments API

OPEN COLLECTION

Paytm Payment Gateway Payments Refunds API

OPEN COLLECTION

Paytm Payment Gateway API

OPEN COLLECTION

Pricing Plans 1

Published pricing tiers and plan structures.

Paytm Plans Pricing

1 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Paytm Rate Limits

2 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Paytm Finops

FINOPS

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Paytm Authentication

apiKey · 1 scheme

SECURITY

Paytm Domain Security

TLSv1.3 · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Paytm Agentic Access

3 operations · 3 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LlmsText

LlmsText

Build 1

SDKs, sample code, and the tooling you integrate with

GitHub

GitHub

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Source (apis.yml)

aid: paytm
name: Paytm
description: Paytm (One97 Communications) is India's leading digital payments and financial services company. Through Paytm
  for Business it operates a wide catalogue of payment APIs covering online payment gateway, UPI, payment links, subscriptions,
  auto-debit, pre-auth, refunds, settlement, payouts, token gateway, bank offers, EMI, disputes, and in-store retail solutions
  (Dynamic QR, EDC, Point-of-Sale). Backend integrations are exposed via REST APIs at the secure gateway (securegw.paytm.in),
  with first-party Android, iOS, Flutter, React Native, and Web JS / Custom Checkout / JS Elements SDKs, and server SDKs for
  S2S checksum-signed flows.
type: Index
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: true
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - openapi
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: free
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Free · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/paytm.png
access: 3rd-Party
position: Producing
created: '2026-05-23'
modified: '2026-05-23'
tags:
- Payments
- Payment Gateway
- UPI
- Payouts
- Subscription
- Refunds
- Settlement
- QR
- EDC
- Fintech
- India
tags_raw:
- Payments
- Payment Gateway
- UPI
- Payouts
- Subscriptions
- Refunds
- Settlement
- QR
- EDC
- Fintech
- India
url: https://raw.githubusercontent.com/api-evangelist/paytm/refs/heads/main/apis.yml
specificationVersion: '0.23'
apis:
- aid: paytm:payments
  name: Paytm Payments API
  description: Core server-to-server payment initiation and status APIs. Generates transaction tokens, processes payments
    across UPI, cards, netbanking, and wallet, and exposes transaction-status retrieval. Requests are checksum-signed and
    routed through the secure gateway.
  humanURL: https://business.paytm.com/docs/api/
  baseURL: https://securegw.paytm.in
  tags:
  - Payments
  - Checkout
  - Transaction
  tags_raw:
  - Payments
  - Checkout
  - Transactions
  properties:
  - type: Documentation
    url: https://business.paytm.com/docs/api/
- aid: paytm:refunds
  name: Paytm Refunds API
  description: Initiates full and partial refunds against settled or unsettled Paytm transactions and exposes refund status
    retrieval. Supports instant refund flows for eligible payment methods.
  humanURL: https://business.paytm.com/docs/api/refunds/
  baseURL: https://securegw.paytm.in
  tags:
  - Refunds
  - Payments
  properties:
  - type: Documentation
    url: https://business.paytm.com/docs/api/refunds/
- aid: paytm:settlement
  name: Paytm Settlement API
  description: Returns settlement reports and merchant payout cycles for transactions collected through Paytm, including settlement
    IDs, UTRs, and per-order breakdowns for reconciliation.
  humanURL: https://business.paytm.com/docs/api/settlement/
  baseURL: https://securegw.paytm.in
  tags:
  - Settlement
  - Reconciliation
  - Reporting
  properties:
  - type: Documentation
    url: https://business.paytm.com/docs/api/settlement/
- aid: paytm:subscriptions
  name: Paytm Subscriptions API
  description: Creates and manages recurring payment subscriptions and mandates across cards, UPI AutoPay, and netbanking
    e-mandates. Supports plan creation, subscription activation, renewal charging, and cancellation.
  humanURL: https://business.paytm.com/docs/api/subscription/
  baseURL: https://securegw.paytm.in
  tags:
  - Subscription
  - Recurring
  - Mandates
  tags_raw:
  - Subscriptions
  - Recurring
  - Mandates
  properties:
  - type: Documentation
    url: https://business.paytm.com/docs/api/subscription/
- aid: paytm:auto-debit
  name: Paytm Auto-Debit API
  description: Auto-debit mandate APIs for recurring collections, enabling merchants to register, authenticate, and debit
    customer accounts on a schedule under RBI's e-mandate framework.
  humanURL: https://business.paytm.com/docs/api/auto-debit/
  baseURL: https://securegw.paytm.in
  tags:
  - Auto Debit
  - Mandates
  - Recurring
  properties:
  - type: Documentation
    url: https://business.paytm.com/docs/api/auto-debit/
- aid: paytm:pre-auth
  name: Paytm Pre-Auth API
  description: Authorize and later capture or release card holds. Used for travel, hospitality, and rental flows that need
    to block funds before final settlement.
  humanURL: https://business.paytm.com/docs/api/pre-auth/
  baseURL: https://securegw.paytm.in
  tags:
  - Pre-Auth
  - Authorization
  - Capture
  tags_raw:
  - Pre Auth
  - Authorization
  - Capture
  properties:
  - type: Documentation
    url: https://business.paytm.com/docs/api/pre-auth/
- aid: paytm:payment-links
  name: Paytm Payment Links API
  description: Generate shareable payment links for collection over email, SMS, WhatsApp, or social channels. Supports expiry,
    partial payments, and callback notifications on completion.
  humanURL: https://business.paytm.com/docs/api/payment-links/
  baseURL: https://securegw.paytm.in
  tags:
  - Payment Links
  - Collection
  properties:
  - type: Documentation
    url: https://business.paytm.com/docs/api/payment-links/
- aid: paytm:token-gateway
  name: Paytm Token Gateway API
  description: Card tokenization service compliant with RBI guidelines. Exchanges raw card PANs for network or issuer tokens
    that merchants can store and use for repeat charging and CVV-less flows.
  humanURL: https://business.paytm.com/docs/api/token-gateway/
  baseURL: https://securegw.paytm.in
  tags:
  - Tokenization
  - Card on File
  - PCI
  properties:
  - type: Documentation
    url: https://business.paytm.com/docs/api/token-gateway/
- aid: paytm:bank-offers
  name: Paytm Bank Offers / EMI API
  description: Returns available bank offers, instant discounts, no-cost EMI plans, and EMI subvention metadata for the customer's
    card or netbanking option at checkout.
  humanURL: https://business.paytm.com/docs/api/bank-offers/
  baseURL: https://securegw.paytm.in
  tags:
  - Offers
  - EMI
  - Affordability
  properties:
  - type: Documentation
    url: https://business.paytm.com/docs/api/bank-offers/
- aid: paytm:disputes
  name: Paytm Disputes / Chargeback API
  description: Lists, retrieves, and responds to chargebacks and disputes raised against merchant transactions, including
    evidence upload and status tracking.
  humanURL: https://business.paytm.com/docs/api/disputes/
  baseURL: https://securegw.paytm.in
  tags:
  - Disputes
  - Chargebacks
  properties:
  - type: Documentation
    url: https://business.paytm.com/docs/api/disputes/
- aid: paytm:dynamic-qr
  name: Paytm Dynamic QR API
  description: Generates per-order dynamic UPI / Bharat QR codes for in-store and contactless collection, with order-linked
    status callbacks.
  humanURL: https://business.paytm.com/docs/api/dynamic-qr/
  baseURL: https://securegw.paytm.in
  tags:
  - QR
  - UPI
  - In-Store
  tags_raw:
  - QR
  - UPI
  - In Store
  properties:
  - type: Documentation
    url: https://business.paytm.com/docs/api/dynamic-qr/
- aid: paytm:webhook
  name: Paytm Status Notification Webhook
  description: Server-to-server notification posted to a merchant-configured URL when a transaction reaches a terminal state.
    Includes signed payload with transaction, refund, or subscription event details.
  humanURL: https://business.paytm.com/docs/api/webhook/
  baseURL: customer-configured
  tags:
  - Webhook
  - Event
  - Callbacks
  tags_raw:
  - Webhooks
  - Events
  - Callbacks
  properties:
  - type: Documentation
    url: https://business.paytm.com/docs/api/webhook/
- aid: paytm:all-in-one-sdk-android
  name: Paytm All-in-One SDK (Android)
  description: Native Android SDK that hosts the Paytm payment experience inside the merchant app, supporting UPI, cards,
    netbanking, wallet, and Paytm Postpaid in a single flow.
  humanURL: https://business.paytm.com/docs/all-in-one-sdk/
  baseURL: https://business.paytm.com/docs/all-in-one-sdk/
  tags:
  - SDK
  - Android
  - Mobile
  properties:
  - type: Documentation
    url: https://business.paytm.com/docs/all-in-one-sdk/
- aid: paytm:all-in-one-sdk-ios
  name: Paytm All-in-One SDK (iOS)
  description: Native iOS SDK that hosts the Paytm payment experience inside the merchant app across all supported payment
    methods.
  humanURL: https://business.paytm.com/docs/all-in-one-sdk/
  baseURL: https://business.paytm.com/docs/all-in-one-sdk/
  tags:
  - SDK
  - iOS
  - Mobile
  properties:
  - type: Documentation
    url: https://business.paytm.com/docs/all-in-one-sdk/
- aid: paytm:js-checkout
  name: Paytm JS Checkout
  description: Browser JavaScript checkout that renders the Paytm payment page in two steps - server-side token creation followed
    by client-side invocation of the hosted checkout overlay.
  humanURL: https://business.paytm.com/docs/js-checkout/
  baseURL: https://securegw.paytm.in
  tags:
  - JavaScript
  - Checkout
  - Web
  properties:
  - type: Documentation
    url: https://business.paytm.com/docs/js-checkout/
- aid: paytm:paytm-payments-api
  name: Paytm Payments API
  description: The Payments API from Paytm — 2 operation(s) for payments.
  humanURL: https://business.paytm.com/docs/api/
  baseURL: https://securegw.paytm.in
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/paytm-payments-api-openapi.yml
- aid: paytm:paytm-refunds-api
  name: Paytm Refunds API
  description: The Refunds API from Paytm — 1 operation(s) for refunds.
  humanURL: https://business.paytm.com/docs/api/
  baseURL: https://securegw.paytm.in
  tags:
  - Refunds
  properties:
  - type: OpenAPI
    url: openapi/paytm-refunds-api-openapi.yml
common:
- type: AgenticAccess
  url: agentic-access/paytm-agentic-access.yml
- type: DomainSecurity
  url: security/paytm-domain-security.yml
- type: Authentication
  url: authentication/paytm-authentication.yml
- type: Website
  url: https://business.paytm.com/
- type: Documentation
  url: https://business.paytm.com/docs/
- type: LinkedIn
  url: https://www.linkedin.com/company/paytm
- type: GitHub
  url: https://github.com/Paytm-Payments
- type: LlmsText
  url: https://paytm.com/llms.txt
- url: https://business.paytm.com/blog
  type: Blog
maintainers:
- FN: API Evangelist
  url: https://apievangelist.com

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