# Paytm

**Canonical:** https://apis.io/providers/paytm/  
**Website:** https://business.paytm.com/  
**APIs profiled:** 17

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.

## Kin Score — 33.1 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 33.1).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 54.5 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 23.8 |
| Commercial Clarity | 28.9 |
| Access Clarity | 28.9 |

Regulatory layer — **Payments**: 18.8 (matched via tags).

## Agent readiness — 34.1 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Free · Self-serve signup — onboarding: self-serve, pricing: free, trial: no (confidence: high).

## APIs (17)

- **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.

## Agentic access (1)

- **Paytm Agentic Access** — 3 operations · 3 acting

## Security (2)

- **Paytm Authentication** — apiKey · 1 scheme
- **Paytm Domain Security** — TLSv1.3 · DMARC

## Plans (1)

- **Paytm Plans Pricing**

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/paytm/). Scores are computed from the provider's own public artifacts under a published rubric.