One 97 Communications Limited operates the Paytm platform for digital payments, merchant payment acceptance, financial-services distribution and marketing services in India. Consumers use Paytm for UPI payments, bill payments, recharges and money transfers. Merchants use QR codes, Soundbox devices, POS terminals and the online payment gateway. The platform also distributes merchant and consumer credit, broking, mutual-fund SIPs and digital gold through partners, while advertising, travel, deals and vouchers monetise app traffic.
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