Paytm

Paytm (acronym for "pay through mobile") is an Indian digital payments and financial services company, based in Noida.[5] It was founded in 2010 by Vijay Shekhar Sharma under One97 Communications. The company offers mobile payment services to consumers and enables merchants to receive payments through its QR code, point of sale and online payment gateway offerings.[6] In partnership with financial institutions, Paytm offers financial services such as microloans and buy now, pay later to its consumers and merchants.[7] Apart from bill payments and money transfer, the company also provides ticketing services, retail brokerage products and online games.[8][9][10]

Paytm
TypePublic
ISININE982J01020
Industry
FoundedAugust 2010 (2010-08) in New Delhi, India
FounderVijay Shekhar Sharma
HeadquartersB-121, Sector 5,
Noida, Uttar Pradesh
,
India
Areas served
Key people
  • Vijay Shekhar Sharma (CEO)
Products
Services
Revenue ₹5,264 crore (US$660 million) (2022)[2]
₹−2,336 crore (US$−290 million) (2022)[2]
₹−2,396 crore (US$−300 million) (2022)[2]
Total assets ₹17,991 crore (US$2.3 billion) (2022)[2]
Total equity ₹14,151 crore (US$1.8 billion) (2022)[2]
Owners
  • Vijay Shekhar Sharma (8.92%)[3]
  • Ant Group (24.88%)
  • SVF India Holdings (Cayman) Ltd (17.46%)
  • Saif Iii Mauritius Company Ltd (10.59%)
  • Axis Trustee Services Ltd (4.77%)
  • Bh International Holdings (2.41%)
  • Canada Pension Plan Investment Board (1.71%)
Members 35 crore
(350 million)[4] (FY19)
ParentOne97 Communications
Websitepaytm.com

Paytm's parent company, One97 Communications Limited, got listed on Indian stock exchanges on November 18, 2021 after an initial public offering, which was the largest in India at the time.[11] For the fiscal year 2021-22, Paytm's gross merchandise value (GMV) was reported to be ₹8,500 billion (US$110 billion).[12][13] [14][15] [16]

History

Paytm was founded on August 2010 with an initial investment of US$2 million by founder Vijay Shekhar Sharma in Noida, India. It started off as a prepaid mobile and DTH recharge platform, and has expanded to a leading digital payments and financial services company , with a diverse range of offerings spanning from partner-based lending to offline devices.[17]

In 2014, the company had launched the Paytm Wallet that stirred the digital payments revolution in the country. Paytm launched BHIM UPI and also became India's first payment app to cross over 10 crore app downloads in 2017. In 2018, the company launched the ‘Paytm for Business’ app for merchants, allowing them to accept money through Paytm Wallet, UPI and card payments directly into their bank accounts at 0% charge.[18][19][20][21]

Paytm started distributing lending products on its platform in partnership with marquee lenders in 2018, starting off with Paytm Postpaid (Buy now pay later) and later expanding to instant personal loans and merchant/business loans . In March 2019, the firm launched a subscription based loyalty program called Paytm First , and later that year, it partnered with Citibank to launch Paytm First credit card [22][23][24][25][26][27]

In July 2021, Paytm’s parent company One97 Communications filed a draft red herring prospectus with the Securities and Exchange Board of India to launch its initial public offering (IPO). It launched its IPO in November 2021, raising ₹18,300 crore (US$2.5 billion) at a valuation of close to US$19 billion. At that time, it was the largest ever IPO in India. [28] [29][30] [31][32] [33] [34][35][36] [37][38][39] [40][41] [42] [43] [44][45] [46][47] [48][49] [50] [51][52][53] [54] [55] [56] [57][58]

Funding and shareholding
A Paytm KYC point in Kolkata.

Post-IPO shareholding (as of June 2022): [59][60]

Shareholders Shareholding
Vijay Shekhar Sharma8.92%
Ant Group24.88%
SVF India Holdings (Cayman) Ltd17.46%
Saif lii Mauritius Company Ltd10.59%
Axis Trustee Services Ltd4.77%
Saif Partners India lv Ltd4.5%
Bh International Holdings2.41%
Canada Pension Plan Investment Board1.71%
Total75.24%

Investments and acquisitions

In 2013, Paytm acquired Plustxt for under $2 million. Plustxt was started by IT graduates Pratyush Prasanna, Parag Arora, Lokesh Chauhan and Lohit V that allowed fast text messaging in any Indian language.[61]

Paytm invested $5 million in auto-rickshaw aggregator and hyperlocal delivery firm Jugnoo in 2015.[62] It also acquired Delhi-based consumer behaviour prediction platform Shifu[63] and local services startup Near.in.[64] In 2016, it invested in logistics startups LogiNext and XpressBees. Healthcare startup QorQL, which uses artificial intelligence (AI) and big data to assist medical care, received investment from Paytm in April 2017[65] In July 2017, it acquired a majority stake in online ticketing and events platform Insider.in,[66] backed by event management company Only Much Louder (OML) and mobile loyalty startup MobiQuest. The same year, it acquired Little and nearbuy.com.[67] an India-based, hyper-local eCommerce company.In December 2017, nearbuy.com merged with Little App, while raising fresh capital from Paytm.[68] As part of the deal, the competitor companies would merge under the leadership of co-founder and CEO Ankur Warikoo, while Paytm would acquire majority ownership of the merged entity.

The company acquired the startup Cube26 in January 2018 [69] and hotel booking platform NightStay in 2019.[70]

Paytm board has approved a resolution which would allot 47,042 equity shares to 60 employees under its ESOP Scheme 2008 and ESOP Scheme 2019.[71]

In October 2021, Paytm acquired digital lending company CreditMate.[72]

Nearbuy.com

In 2017, Paytm acquired nearbuy.com,[68] an India-based, hyper-local eCommerce company. It was incorporated in May 2010 as Nearby under Groupon India Private Limited, and operated as a subsidiary of Groupon Inc until August 2015. That year, it underwent a buyout and rebranded as nearbuy.com,[73] after successfully raising ₹125 crore (US$16 million) in funding from Sequoia India,[74] an arm of Sequoia Capital.[75] Groupon became a minority stakeholder in nearbuy.com as a result of the buyout.

In December 2017, nearbuy.com merged with Little App, while raising fresh capital from Paytm.[76] As part of the deal, the competitor companies would merge under the leadership of co-founder and CEO Ankur Warikoo, while Paytm would acquire majority ownership of the merged entity. As of May 2018, nearbuy.com operates in 33 cities in India.[77]

International expansion

Japan

Paytm established a joint venture with SoftBank and Yahoo Japan, called PayPay Corporation, to offer services in the Japanese market. Paytm launched the PayPay app, a QR-based payment settlement service, in Japan on 22 October 2018.[78]

Canada

Paytm Labs Inc. was established in Toronto, Ontario in 2014 as a research and development division.[79] It recently launched a fraud risk management platform called Pi for fintechs and digital marketplaces where transaction value is high. [80][81][82]

Paytm Insider

Paytm Insider is a mobile app that helps to book tickets for Cricket matches, live entertainment shows, sports games tickets online. [83]

Paytm Mall

In February 2017, Paytm launched its Paytm Mall app, which allows consumers to shop from 1.4 lakh registered sellers.[84] Paytm Mall is a B2C model inspired by China's largest B2C retail platform TMall. Sellers have to pass through Paytm-certified warehouses and channels to ensure consumer trust. Paytm Mall has set up 17 fulfilment centres across India and partnered with more than 40 couriers. Paytm Mall raised $200 million from Alibaba Group and SAIF Partners in March 2018.[85] In May 2018, it posted a loss of approximately ₹1,800 crore with a revenue of ₹774 crore for financial year 2018. The market share of Paytm Mall dropped to 3 per cent in 2018 from 5.6 per cent in 2017.[86]

Controversies

California-based PayPal filed a case against Paytm in the Indian trademark office for using a logo with a similar colour combination to its own on 18 November 2016.[87]

In May 2018, the Indian investigative news agency Cobrapost released a video of an undercover reporter meeting with Paytm's vice president, Ajay Shekhar Sharma who is the brother of Vijay Shekhar Sharma.[88][89] During the meeting, he reportedly said the company had provided the Indian Government with the personal data of Paytm users in the Indian state of Jammu and Kashmir, violating user's privacy and policies.[90][91] Later, BuzzFeed reported that, Sharma has close ties with India's ruling party Bhartiya Janata Party.[92] Meanwhile, in response, the company tweeted that, it had never shared user's data with third parties, denied the contents in the video, and stated that it had never received requests from law enforcement on Twitter.[93][94] Paytm also stated that any person claiming otherwise "is not aware of the policy and is not authorised to speak on behalf of the company".[95][96]

On 18 September 2020, the firm's official app was briefly unlisted from the Google Play Store allegedly due to violations of the Play Store's gambling policy.[97][98] The company claimed that Google did not offer any prior warning or give the company an opportunity to explain its views on the contentious 'cashback' offers while claiming that Google's own payments app Google Pay offered similar 'cashback' offers and suffered no repercussions.[99][100]

In March 2022, It was found by Reserve Bank of India's annual inspection that Paytm app is leaking information of its Indian customers to China based entities by transmitting information to China based servers. It is breach of RBI guidelines which says the payment apps have to store customer data only in India based servers.[101]

Charity

During the COVID-19 pandemic in India, Paytm contributed ₹10 to every single user who pays to the PM CARES fund via their app; within ten days they had collected ₹100 crores in their app. Their 1,200 employees contributed 15 days or even a few months of their salaries to the fund.[102]

Through their platform, Paytm made 21,000 oxygen concentrators available for people in need,[103] and donated oxygen plants in 13 worst-hit cities to help hospitals get oxygen.[104]

In August 2022, Paytm Foundation partnered with United Nations Environment Program (UNEP) to set up the Air Quality Action Forum (AQAF) to curb air pollution in India. [105]

Awards and recognition
  • Paytm won the award for Best UPI App, Most Design User-friendly Fintech App and the Most Innovative Use of Technology at Global Fintech Fest 2022[106]
  • The Divide: A Social Experiment by Paytm won at the ET Brand Equity Spott Awards 2022 under Social Awareness through Short film/Videos category [107]
  • Paytm won the Best Unicorn title at BW Businessworld Unicorn Summit and Awards 2022 [108]
  • At the Rural and Urban Development Summit and Awards 2022 presented by the Minister of State for Ministry of Housing and Urban Affairs, Government of India, Paytm won the awards for Most Trusted Brand of the Year and Paytm Soundbox won the award for Best IoT Solution of the Year. [109]
  • Paytm was recognised as the ‘Employer of the Future’ by Fortune India magazine [110]
  • It won the IAMAI's India Digital Award 2021 for Best FinTech Growth Story by the Internet and Mobile Association of India.[111]
  • It was conferred Outstanding Startup of the Year Award at Forbes Leadership Awards 2016.[112]
  • Paytm was awarded the FT Future of Fintech Awards by the Financial Times in 2016.[113]
  • Paytm was announced as the finalist of Meffys Awards 2015 under the mobile money category.[114]
  • It won the MMA Smarties Award Gold for Mobile App & Silver for mCommerce by the Mobile Marketing Association in 2014.[115]

See also

References
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