Paytm Payments Services Ltd has received the RBI’s approval to broaden its payment aggregator license to include offline and cross-border transactions.

The expansion will enable Paytm to provide comprehensive end-to-end payment aggregation services for various use cases, complementing its existing online Payment Aggregator authorization from November 2025. This new authorization positions Paytm as a player with licenses in both online, offline, and cross-border segments.

Paytm intends to stay attuned to the evolving needs of clients and users while ensuring adherence to regulatory requirements and local industry laws.

Expanding Payment Aggregator Functionality

A 97 Communications, which operates Paytm, has stated that the RBI has allowed its wholly owned subsidiary to operate as a Payment Aggregator for physical transactions and international payments. With this new authorization, Paytm can now provide tailored solutions across various use cases, including facilitating simple payment acceptance for merchants in both domestic and international markets, whether through physical, digital, or cross-border applications.

More recently, Paytm introduced an in-app privacy feature called Hide Payments, which lets users move specific UPI transactions to a hidden history view. These transactions remain instantly accessible upon PIN or biometric verification. The feature was developed in response to heightened user demand for greater discretion, especially among individuals sharing devices with family members or colleagues.

Additionally, Paytm collaborated with Groq to introduce real-time AI capabilities for payments and platform intelligence within India. This partnership is designed to enhance the platform’s smart features, supporting India’s efforts to build a robust digital economy by making inference available on a national scale.