India’s leading digital payments company, Paytm (One97 Communications Ltd), has rolled out a completely redesigned version of its flagship app — promising enhanced privacy, improved user control, and cutting-edge AI-powered features. This revamp marks a major step in Paytm’s journey to make digital payments in India more intelligent, intuitive, and secure.
The all-new app brings a cleaner interface, smarter tools for financial management, and innovative features that reflect Paytm’s commitment to being the safest UPI platform in the country.
Raising the Bar for Payment Security
Security and trust have long been central to Paytm’s identity. With this new version, the company has added several advanced protection mechanisms to combat digital fraud and unauthorized access.
One of the most notable upgrades is that screen recording is now blocked during UPI payments, making it nearly impossible for malicious apps or fraudsters to capture sensitive transaction details. This measure directly addresses a growing problem of screen-recording scams in India’s fast-expanding digital payments ecosystem.
In addition, the app will warn users if they are making a payment while on a phone call, helping prevent cases of social engineering or impersonation fraud — where scammers trick users into transferring money during conversations.
These layers of protection position Paytm as a leader in UPI transaction safety, aligning with India’s increasing emphasis on digital security and user trust.
Empowering Users With Greater Privacy and Control
Paytm’s new app isn’t just about security — it also gives users deeper control over their data and visibility.
The introduction of “Hide Payments”, an exclusive Paytm feature, allows users to hide selected transactions from their payment history. This is particularly useful for those who value privacy in shared or family devices. The feature reflects a growing trend among Indian fintechs toward giving customers ownership of their digital footprints.
Moreover, users can now set up Personalised UPI IDs — such as @yourname or @nickname — that make sending and receiving money easier while keeping mobile numbers private. This balances convenience with anonymity, reducing exposure to unwanted requests or spam.
Smarter Financial Insights With AI Integration
In one of its most impressive upgrades, Paytm has introduced AI-driven tools that simplify financial management for everyday users.
The Monthly Spend Summary automatically categorizes transactions into clear groups — shopping, bills, utilities, travel, and more — using AI-powered tagging. This allows users to see where their money goes each month without manually tracking expenses. The result is a more organized, transparent view of personal finances.
Adding a creative touch, the company has launched Paytm Playback, a first-of-its-kind feature that converts users’ spending patterns into AI-generated rap songs. Designed to make financial awareness engaging, it transforms what used to be a routine budget review into an entertaining experience.
Paytm Founder and CEO Vijay Shekhar Sharma said the company’s goal is to make digital payments “truly smarter” for Indian users.
“With the all-new Paytm app, we’ve introduced a cleaner design, AI-led experience, and innovations that redefine what a payments app can do. Built in India for every Indian, this marks our next step in bringing intelligence to payments,” Sharma said in a statement.
Rewards and Everyday Convenience
Beyond privacy and AI, Paytm has introduced several features aimed at rewarding and simplifying user interactions.
The ‘Gold Coins’ loyalty initiative gives users rewards in the form of real digital gold, offering tangible benefits for their engagement on the platform. This reflects Paytm’s continued push to merge financial products with reward-based ecosystems.
The app also supports customizable home screen widgets, like Receive Money and Scan & Pay, which enable users to access core functions without even opening the main app. Additionally, tools like Magic Paste, Favourite Contacts, and Payment Reminders streamline frequent transactions, helping users stay organized and punctual with bills and transfers.
Expanding Beyond Payments: Paytm Checkin for Travel
Alongside the main app revamp, Paytm has also announced a new product — Paytm Checkin, an AI-powered travel platform that helps users plan and manage flights, train journeys, and bus bookings from a single interface. This expansion signals Paytm’s ambitions to go beyond payments and become a broader lifestyle and travel ecosystem.
A Smarter, Safer Future for Indian Payments
The latest Paytm app release demonstrates the company’s vision of merging trust, technology, and user empowerment. In a digital economy where UPI transactions have crossed 14 billion per month (as per NPCI data), privacy and protection have become essential, not optional.
By combining AI-driven insights, enhanced data protection, and user-friendly design, Paytm’s new app sets a benchmark for India’s fintech landscape — one that prioritizes both innovation and safety.
With these updates, Paytm not only reaffirms its leadership in the digital payments space but also takes a decisive step toward shaping the future of intelligent, secure, and personalized financial experiences in India.