Paytm

1. Download the app and sign up with your mobile number, then set a secure PIN and complete verification if prompted. 2. Link your bank account to enable UPI payments, or add money to your Paytm Wallet using a card or bank transfer. 3. To pay at stores, tap Scan and Pay, point your camera at the QR code, enter the amount, and confirm with your UPI PIN. 4. To send or receive money, choose a contact, UPI ID, or bank account, enter the amount, add a note if needed, and confirm. 5. For bills and recharges, open Bills and Recharges, select a service, verify details, pay instantly, and set reminders or AutoPay for future cycles.