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Updated July 2026 · real, multi-region App Store reviews
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The verdict on

Paytm

40
User verdict / 100 High confidence Divided

Paytm is a popular all-in-one payment solution in India, praised for its speed and convenience, but recent reviews highlight significant issues with international number support, app stability, and customer service, leading many users to consider alternatives.

4.7★ lifetime (39,195) Free to download since 2011 by PayTM Mobile Solutions Private Limited updated 0.0 mo ago recent negative 45% 120 reviews across 4 regions
International Access App Stability & Performance Customer Support Features & Functionality App Size & Updates
5★324
4★52
3★37
2★41
1★299
recent reviews across 4 regions, vs the 4.7★ lifetime average

Paytm is a widely used digital payment and financial management app, offering features like QR code payments, bill pay, and ticket booking. While many users appreciate its convenience and speed, recent feedback points to critical problems such as lack of international phone number support, frequent app crashes, and unresponsive customer service, causing frustration for a segment of its user base.

What users like

  • Convenient for various digital payments and financial tasks, including QR code payments, bill pay, and ticket bookingR8R26R110R172
  • Fast and reliable for sending money and making transactionsR8R14R28R30
  • Offers cashback and deals, though some users note these have decreasedR2R3R10R149
  • Good customer service experience reported by some users, resolving issues quicklyR57

What users complain about

  • Does not support international phone numbers for registration or full functionality, despite UPI allowing it for NRIsR18R21R32R5
  • Frequent app crashes, freezing, and general instability, making payments difficultR1R4R218R241
  • Poor or unresponsive customer support, often relying on ineffective chatbots or broken linksR73R7R11R16
  • App is large (around 300MB) and requires frequent, large updates, which is annoying for usersR113R216R221R231
  • Issues with linking bank accounts, wallet functionality, and making payments, even after KYC completionR25R37R38R39
  • Cluttered UI and poor user experience, with some features feeling like a mobile web versionR16R102R349
  • Lack of cashback benefits or offers compared to competitorsR2R10R149R335
  • Some users are blocked from using the app when abroad or forced to update to newer iOS versionsR23R29R52R349

Latest update · v10.83.2

What the developer says changed (the verdict above weighs this against what reviewers report):

Spit, Shine & Squashed Bugs We chased down some pesky bugs and gave everything a quick buff, so the app feels faster and smoother every single time you open it.

Recurring themes

International Access negative
Many users, especially NRIs (Non-Resident Indians), report that Paytm does not support international phone numbers (+1 for USA) for registration or full functionality, despite UPI now allowing this. This prevents them from using the app even with Indian bank accounts, leading them to switch to competitors like PhonePe or BHIM UPI.R18R21R32R5
App Stability & Performance negative
A significant number of recent reviews mention frequent app crashes, freezing, and slow loading times, making the app unstable and frustrating to use for payments and other transactions. This contradicts the developer's notes about bug fixes and a smoother experience.R1R4R36R205
Customer Support negative
Users consistently report poor customer service, with difficulties reaching human representatives. They often encounter unhelpful chatbots, broken links, or no resolution to their issues, particularly for problems like account closure, transaction disputes, or KYC.R73R7R11R16
Features & Functionality mixed
While many praise Paytm as an 'all-in-one' solution for payments, bills, and tickets, others report specific features not working, such as linking bank accounts, wallet transfers, or certain payment options. Some also note a decrease in cashback offers.R2R3R8R10
App Size & Updates negative
Users are annoyed by the app's large size (around 300MB) and frequent, mandatory updates, which they feel are unnecessary and consume too much data and storage. Some older iOS users are also forced to update to iOS 17, making the app unusable on their devices.R29R52R113R216

Who it's for

Paytm is for users in India who need an all-in-one app for digital payments, bill payments, and booking services, and who prioritize speed and convenience R8R26R110R172. It is NOT for NRIs or users with international phone numbers who need to link Indian bank accounts, as the app currently lacks this crucial functionality R18. It is also not for users who prioritize app stability, lean app size, or responsive human customer support R218R221.

Evidence note: The recent reviews skew significantly negative (45.2% negative), which contrasts sharply with the lifetime rating of 4.66. This suggests a recent decline in user satisfaction, particularly concerning international user support, app stability, and customer service. While there are still positive reviews, the recurring nature of the negative points across multiple users indicates genuine and widespread issues. The developer's notes about 'squashed bugs' are directly contradicted by numerous reports of ongoing app instability and crashes R1R218.

Frequently asked

Does Paytm support international phone numbers for registration?
No, Paytm currently requires an India-based phone number to get started and does not support international phone numbers for registration or full functionality, despite UPI now allowing NRIs to use international numbers R18R21R32R5.
Is Paytm customer service helpful?
Many users report that Paytm's customer service is poor and unhelpful, often relying on ineffective chatbots, broken links, or making it difficult to reach a human representative for problem resolution R73R7R11R16. However, a few users have reported pleasant experiences with quick issue resolution R57.
How large is the Paytm app?
The Paytm app is reported to be quite large, with users noting its size is around 300MB and that it requires frequent, large updates R113R216R221R231.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R8] 5/5 · US All In One Payment Solution: Paytm is a perfect app for managing all kinds of digital payments and financial tasks. I love how fast it is to pay at stores using a QR code or to send money to friends instantly. It is also very convenient for paying utility bills and booking travel tickets all in one place. The app is reliable and secure, making it my favorite tool for handling daily transactions wi
  2. [R26] 5/5 · US Life is easy: Very Good platform, easy and simple and always worked for me
  3. [R110] 5/5 · US Life made easy with paytm payments: Life made easy with paytm payments Digitalisation in India seems ahead so called developed countries. I lived 14 years in USA till Sep 2020 and worked in IT. Believe me things really getting better and country is moving forward with digitalisation.
  4. [R172] 5/5 · US Very Good and Easy to use payment App: I had been using this App from years n years and still continued....Best App if compared with any other Payment app...The user interface is easy to understand and operate. Thanks
  5. [R14] 5/5 · US Very helpful and secure UPI payment method: Best UPI payment method
  6. [R28] 5/5 · US Quick pmt on Paytm / upi: Excellent service western world can take this and use it western nation and India should take this worldwide
  7. [R30] 5/5 · US Fast tag charge: Super swift
  8. [R2] 1/5 · US Cash back: Only in starting they give cash back. But now no more giving any benefits.
  9. [R3] 1/5 · US Badd: Got only 30rs cashback but not credited and also history is not showing for that cashback
  10. [R10] 1/5 · US Fake Offers: ₹1 product is costing ₹200 @ checkout😂😂😂 @one cummunication Pvt Ltd
  11. [R149] 3/5 · US Cash back: I am not able to redeem past credits of cash back while making next payment. Please advise how to do this. Thanks.
  12. [R57] 4/5 · US Call to Customer service: Pleasent experience the girl at other end solved the issue in no time. I will say she was very courteous and helpful.
  13. [R18] 3/5 · US Doesn’t support international phone number: Many NRIs have recently started trying UPI because UPI now allows using international phone number to register. I wanted to use paytm to add money into its virtual wallet, but it requires a India based phone number to get started. A big positive for paytm is its integration with apple wallet, but I couldn’t use the app
  14. [R21] 3/5 · US Add option to add international phone number: UPI has been made available for NRI and OCI for long time but PayTm still doesn't allow to add +1 phone numbers.
  15. [R32] 3/5 · US International mobile number: Unable to register through USA mobile number. Developer needs to add that feature. Since Phonepe has already supporting international numbers.
  16. [R5] 1/5 · US Did not allow international number: I have international number from US. Im able to receive text messages but my mobile data is not working. Paytm wants my mobile data to verify my sim card. This is stupidity. Just send me otp. I will enter and that’s it
  17. [R1] 2/5 · US Plagued with bugs: Paytm had its license canceled a while ago. The CEO was never able to prove consistency. Currently many users have been knocked out of the app while PhonePe is working just fine. Why should we use Paytm therefore??
  18. [R4] 1/5 · US Unsafe, not working well, unable to signin: Unsafe not working wel
  19. [R218] 3/5 · US Unstable app: The app has become bloated and very unstable. Tired of the crashes and have to restart it multiple times to make any payments.
  20. [R241] 3/5 · US Application is very slow: It takes too long to load UI and enable pay option.
  21. [R73] 3/5 · US Customer Care: How to talk some of your representatives on phone, am trying my best but every time it sending a link and my issue is not getting solve, I would like to talk to some representative so I can share my actual issue, what am facing from on Paytm from so many days. Regards
  22. [R7] 1/5 · US Fraud app: They take money for flight tickets but they are unable to confirm tickets and they don’t have an option to cancel and the have an AI which is dumb as hell. No representatives no helpline nothing. Please refrain from using Paytm.
  23. [R11] 1/5 · US 1 star for your Paytm assistant: I don’t need ticket number - I need resolution to my problem
  24. [R16] 1/5 · US Cartoon like UI/ bad support/ incomplete information: The UI is too cluttered. Too many sub apps, popups. There is no way to get in touch with a human to support. Paytm’s customer care webpage claims that you can reach out to their phone number or email or chat to get helpline support through the app. But they only have “”smart”” chat bots that are ridiculously dumb. The web version of paytm app
  25. [R113] 3/5 · US Constant updates: The app interface and working is fine most of the time I do t understand why you people keep on giving updates ever week, it’s really annoying !
  26. [R216] 3/5 · US 300mb download: The size of Paytm app has consistently increased. I am not happy with downloading 300 MB very frequently.
  27. [R221] 3/5 · US App size is too high: App is really useful but size of App is too high which is close to 300 MB. Please reduce the app size ASAP.
  28. [R231] 3/5 · US Bulky app: Why is the app getting bulkier and bulkier. 290+ MB size?
  29. [R25] 1/5 · US Error: I cannot even link my bank account with it. Its showing error all the time
  30. [R37] 1/5 · US Bakwas app: Agar bank account add nahi kar pa rha to kis bat hai paytm app isase accha ek bar me phone pe me verified hua ye madharchod hai ek month se bas ghuma raha or latka raha isliye sab phone pe use karo paytm hatao account bachao.
  31. [R38] 1/5 · US Worst app ever!: Trying to select Bank but even if I click the bank its not doing anything. Never seen such a worst app!! Need to fix it so that customers can use it without difficulties.
  32. [R39] 1/5 · US App broken on IOS after latest update. Cannot add bank account: After new update, cannot transfer money from paytm wallet into bank as when selecting a bank to add, app does nothing on clicking hdfc or icici bank and sometimes the search bar doesn’t work so cannot select bank from search result either.
  33. [R102] 3/5 · US UI glitches and notifications abuse: This app feels like a mobile web version instead of a native app. It’s perhaps not a native UIKit or SwiftUI app but cheap React Native or something. Not saying using those frameworks is bad but using those and not providing a great experience is definitely bad and that’s on developer, not framework provider. Many times the parts of the app UI go under status b
  34. [R349] 3/5 · GB Generally easy to use but serious flaws: Payments are generally easy but the screen area is quite crowded with options. Main flaw I have found is the failure to respond to any support issues. Promises of 24 hr replies but have never received any. Also, once you go abroad it just keeps you blocked out without any explanation. Try to sign in and it says you have been signed out. Still I have not en
  35. [R335] 3/5 · GB Awesome and trustworthy: Want more and reliable offers please
  36. [R23] 1/5 · US Error: I'm traveling abroad and trying to make an advanced payment for my Paytm personal loan, but I'm getting an error while I'm outside of India. This needs to be fixed.
  37. [R29] 1/5 · US Asks to update to ios17: I have been using paytm for years but now is asking to update software to ios17. I can’t as my phone only upgraded till ios16. It’s unfair and useless now! Time to switch from paytm.
  38. [R52] 1/5 · US Can use paytm with IOS 16: I use paytm for the past 3years but recently paytm update says that only IOS 17 users can access paytm but I have old iPhone which is not upgradable to IOS 17… I feel so bad about this thing… Hope they would fix it in their next app update Plz…
  39. [R36] 1/5 · US Terrible UI and constant freezing/crashing: The app just crashes the minute you try to enter an international number (despite giving options) and anytime I have to select the bank it freezes. And the UI is too clustered.Please fix these mistakes because the app is actually unusable
  40. [R205] 3/5 · US Annoying bugs: Spoiling the experience of convenience

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store