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.
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles Paytm the way a machine reads it — 24 machine-readable artifacts across 17 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Paytm scores 35.1/100 (thin), with a separate agent-readiness read of 48/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Paytm
Each block below is one kind of artifact we hold for Paytm. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 17
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
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 within the panel for all 17 ·
Open Collections 1
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Paytm Payment Gateway API
OPEN COLLECTIONPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Paytm Plans Pricing
PLANSRate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Paytm Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Paytm Finops
FINOPSSecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Paytm — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Company 3
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/paytm · machine-readable index on apis.io