![]() ![]() Paytm runs performance and brand marketing campaigns for merchants and charges them depending on the scale and type of campaign for its advertising business. Paytm generates revenues by charging merchants a transaction fee and consumers a convenience fee, typically linked to a percentage of the transaction value for travel, entertainment, ticketing, and other commerce businesses.įor software and cloud services, Paytm charges its merchants a subscription fee, and in some instances, a fee linked to the volume of activity on Paytm’s platforms. Revenue from payment and financial services, as of 2021, constitutes 75% of total revenue. ![]() For insurance products, Paytm earns a commission from insurance partners based on a percentage of total premiums for insurance products sold through its platforms.įor its equity broking services, Paytm earns consumer fees, such as upfront account opening fee, transaction fee depending on transaction type and volumes, and an annual subscription fee. Paytm also earns incentives from the card networks to drive card adoption. For its lending business through its financial institution partners, Paytm earns (i) a sourcing fee from financial institution partners, which is typically earned at the time of disbursal of the loan based on a percentage of the loan amount, and (ii) a collection fee from financial institution partners based on a percentage of the loan amount, for the collection services that Paytm performs and is linked to the amount collected.įor the distribution of credit cards, Paytm charges its financial institution partners an upfront distribution fee per card issued and a percentage of the total annual spend for the card.
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