Mad about life

How to recharge online using paytm

Most of my friends ask me “How I recharge my mobile online”. Basically most of us want to our recharge our mobile through Internet because we don’t have to walk down to mobile recharge store i.e. doing online recharge not only saves our time but also our energy. But in the end we are scared to use our ATM/ Debit card / Credit card  online because  it will get hacked and our money will be stolen by some Hacker. So, in the end we think in spite of losing our hard work money whats the problem in walking down the recharge store. There’s no problem in recharging your mobile through shop but if we think like  if we use our debit card we will be hacked it will be like if we go out of House we’ll have an accident.
Article updated on Nov,19 2o16. As RBI has directed all the banks to switch from 3D secure code form of transaction to OTP based transaction for the approval of online transaction.

So, in this post I’m going to show you “How to recharge your mobile safely online “. There are numerous of recharge portal on the Internet through which you can recharge your mobile like

  • and many more
You can also recharge online by going to your respective mobile operator website. So, to explain How to recharge your mobile online I am going to use Paytm as my online recharging portal.
Step 1 : You need to go to
Step 2 : Signup an account there
Step 3 : Login 
 paytm login page and signup page for new paytm users
Step 4 : Enter your Mobile Number in which you want to recharge your number. After you have entered your number it will automatically fetch mobile operator name if it is wrong correct it.
Step 5 :  Enter the Recharge amount
enter the recharge amount mobile number and amount you want to recharge from your paytm account
Step 6 : Click on proceed.
Step 7 : A new page will open from which you will be given the option to choose paid or free coupons which you can use it to avail the offer given in the coupon in their respective stores. Do note that if you select paid coupon you will be charged for that coupon.
Step 8 : Select coupon or Do not select coupon it depends upon your wish.
select the coupon of various stores to avail discount on their product from paytm deal and discount coupon page

Step 9 : Click on proceed to pay

select from a variety of option to pay your recharge amount from atm card debit card credit card netbanking and imps

Step 10 : You will be given various option through which you can pay the recharge amount

  • Debit card [ For Indians it is the Same ATM card you use to withdrawal money from ATM Machine]
  • Credit Card
  • Net Banking
  • ATM card
  • IMPS
I believe not everybody has not started internet banking with their bank. If you have you can use the Internet banking option in Paytm.
Well most of like us who don’t have started Internet Banking feature with their Bank can use their ATM Card details to pay the recharge amount.
Like in the debit card option you will be asked to “Enter card No.”  enter 16-digit number in the field which is given in your card.
Then it will ask to Enter Name enter the name as given in your card
In the Card Expiry Month and year field enter your card expiry detail
It will ask CVV No. which is given on the back of your debit-card Enter the last 3-Digit in there
Step 11 : Click on proceed Safely.
only otp is asked in sbi bank account to authorize the transaction
Step 12 : After that you will be taken to your Bank website in which you have enter OTP [One time password] which is sent to your registered mobile number in your bank account. 
Step 13 :  After that you have clicked on submit you will be taken to paytm site for the confirmation of recharge.
The above transaction was made using State Bank of India Debit card. In this the SBI site only asks for the OTP code that was sent to your registered mobile number with your SBI bank account to authorize the transaction for online recharge payment it is the same for other shopping portal. If you are using other bank ATM/ Debit card the procedure is same for all of them.
However, we found that making transaction with Punjab National Bank Debit Card. It asks us to enter the Card Expiry date and also ATM pin. I guess PNB does so for adding another security layer to know that it is you who is making the transaction online. After that you are to confirm the mobile number in which the OTP will be sent in your registered PNB mobile number. Then you are directed to a page where you can enter the OTP and make the transaction. In using PNB debit card we have to do two more step before we can reach the page where we enter the OTP and authorize the transaction.We have added the screenshot of using PNB debit card transaction step by step below.
For added security pnb asks to enter the atm pin and card expiry date once again
Step : 1 – PNB asks you enter the debit card expiry date and atm pin. It is completely safe to enter your atm pin here as it the bank who is asking you to do so.
Pnb asks you whether the otp to be sent is with you
Step : 2 – For additional security purpose, for the transaction to complete OTP will be sent to your registered mobile number. You can see the mobile number last digits to confirm in which mobile number OTP will be sent.
PNB adds two more security layer before you can authorize the transaction
Step : 3 – Here like using SBI debit card to make the transaction successful you need to enter the otp received in your mobile number to make the online recharge of your payment successful. After this you will be redirect to paytm site for your successful transaction online receipt.
Note: Some Bank will use the shortcut method of directly sending OTP to your registered mobile number like SBI.
While, some bank will use PNB debit card approach to ask for your debit card expiry month & year and ATM pin . After then you will be eligible to enter to make the online transaction a success.
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  1. manan says

    If i forgot the secure code in paytm ,then what should i do.

    1. Gauravbelong15 says

      Contact your respective bank for that.

  2. […] we wrote about “How to recharge online using paytm” which we explained quite in detail and the same procedure can also be followed to Recharge […]

  3. neha sarode says

    i already installed paytm app & done all steps
    but lastly it ask otp number
    so what is otp number

    1. Gauravbelong15 says

      otp is one time password which is sent by your bank to your registered mobile number. You have to register your mobile number to your branch so that you can get otp when you use your debit card to recharge everytime. this otp problem generally happens to sbi bank account holder

  4. Sandeep kumar says

    sir, can i change the contact no. which I have registered in bank. if yes plz tell me how

    1. Gauravbelong15 says

      Yes, you can your registered mobile no. with the bank by writing an application the bank manager saying that you want to change your mobile number with a reason. Or if you don’t want to go through all the hassle of writing an application you can go to the atm under various option there will be one which say change mobile number

    2. Sunil Kumar shetty says

      I want to change my mobile number.

  5. Pramod says

    Sir Mera email id bna hai kya Mai pytm me use Karta hun to resisterd btata hi to kya karu

    1. Gaurav Ekka says

      You can use the forget password at login page to get your password from paytm in your email

  6. sunil says

    kya hum jo recharge krte h uska amount hmare bank account se liya jata h ya fir ye free h….

    1. Gaurav Ekka says

      Its get debited from your bank account. Recharging with paytm is not free. Unless you have applied coupon in paytm.

  7. mukuk nk says

    Sir eax payri date kya dalni hoti h

    1. Gaurav Ekka says

      Expiry date me jo atm card k front me likha hota valid till woh dalna rahta hai

  8. chotu says

    secure code kosa pin ke alava yeh konsa code hai. yeh humee kya bank se mile ga mera debit card new hai

    1. r k maity says

      How can i got secure code

      1. Gaurav Ekka says

        Now you don’t to need to get secure code as all transaction these days require you to enter OTP sent in your mobile to make the transaction a success.

  9. Dharmender says

    Sab khuch process thik ho jaane ke baad (ATM card) ho ya (online banking) dono se hi Reachage nahi ho raha h please muje batao m kaise or kya karu

    1. Gaurav Ekka says

      Now a days banks have changed their policy due to rbi and they send otp one time password to your registered mobile to make any online transactions

  10. r k maity says

    How can i got secure code of debit card at paytm online recharge

    1. Gaurav Ekka says

      When you use your atm/debit card for the first time online you are given the option to create secure code which you have to remember for any online transaction.

  11. RAJNEESH says

    “Your Mobile number is not registered, please register the same at your branch


    1. Gaurav Ekka says

      You have to go to your PNB branch and get your mobile phone number registered for online banking/net banking to receive otp when you recharge your mobile with paytm.

  12. Dipak Das says

    sir mera ek wrong recharge ho geya to may kaise use mera wallet me bapas karu sir please reply karo haldi.

    1. Gaurav Ekka says

      You cannot get money back for the recharge you have done. It’s just next to impossible.

  13. Dipak Das says

    sir mera or ek question hay
    mera ek vodafone number hay jo maine new a/c karne k liye dal diya to usme to otp jaruri hota hay to mujhe otp hi nehi aya to maine fir singup kiya to mujhe paytm app bata raha hay ki contact to to mujhe ab kya karna chahiye kya may ab us number se new a/c nehi kar payunga or hoga to kayse hoga please sir mujhe bataiye

    1. Gaurav Ekka says

      You cannot make new account the same number in paytm you can need to go paytm forgot password page and enter your mobile number it will otp to your number. If it doesnot send otp to your number. Disable DND [Do not disturb] service in your vodafone number.

  14. Suryakant says

    Sir, pay tm aur other online ke liye nationalize bank ka hi account chahiye kya, because I dont want to use my sbi account, aur ek queation me apna sbi ka online banking ka username aur password dono bhul chuka hu so wht should I do for online banking, aur bhi kuch options he kya online shopping ke liye

    1. Gaurav Ekka says

      You can use your atm card to shop online. Just remember you can to register your mobile number to receive otp. If you forgotten your username and password of sbi netbanking you have visit your sbi branch.

  15. Poonam says

    Paytm is asking for my four digit atm pin number.should I use it or not

    1. Gaurav Ekka says

      yes you can give it. remember to look up it is your bank site or mastercard or visa site that is asking for

  16. Shubh Vaishnav says

    Sir maine paytm me jaisa apne btaya sara procedure follow kia lekin debit card ki info fill krne ke baad payment failed bta rha hai or ye msg show ho rha h..Payment Details
    “Your Bank didn’t authorize this transaction. Please contact your bank with your transaction number for details” Ab mjhe kya krna chahie

    1. Gaurav Ekka says

      go to your respective branch and ask them that your online transaction are failing every time you do transaction.

  17. Mantu gupta says

    Login Mobile number kaise change kare

  18. k.gupta says

    sir first time m doing online recharge via paytm…. they r asking for secure code from would i get this secure code n how can i create it for mobile recharge

  19. Jose samuel says

    What is mean by promo code? And where to get it

  20. Tapan Dey says

    Thank soooo much……for u every question which would have cone if I hadn’t read d website, is crystal clear like water…..thank you so much….if such friendly websites are there…it seems DAT someone is guiding you throughout akwzz…

  21. wasim says

    how to get secured password?

    1. Gaurav Ekka says

      The secure password system has been as per RBI instruction to OTP verification method which will send a one time password in your registered mobile which you have to feed into the transaction website

  22. vicky says

    It’s true

  23. shaddam says

    Sir isme bank ke register number hi chahiye??

  24. vicky says

    Sir how to pay from paytm wallet balance.
    And how to add money in paytm wallet and how i use paytm wallet for rechrge n pay bills

  25. Gurpreet singh says

    hello sir mene sb kuch wese hi kra jesa btaya gya pr sb kuch krne ke bad ye transiction failed bta rha h me first time debit card use kr rha hu apne likha ki apni bank website pe jao aur secuirity code dalo……….sir bank of baroda ki website pe jane ke bad me kha pr dalu apna secuirity code kuch smjh ni a rha h pls help me

    1. Gaurav Ekka says

      Update: The procedure has been changed now you don’t need secure code. All indian banks now send otp to your mobile number registered with your banks

  26. Shivam Mishra says

    Sir maine per ja ke sare info fill kiya but in end jab mai apne atm card ka Otp submit karta hu to yeh messege a raha hai “the authentication is error…………please contact to your CSR.

  27. Shivam Mishra says

    Sir maine per ja ke sare info fill kiya but in end jab mai apne atm card ka Otp submit karta hu to yeh messege a raha hai “the authentication is error…………please contact to your CSR. Plz Gaurav sir help me !

    1. Gaurav Ekka says

      You need to contact your bank that your online transaction is getting failed. You need to contact the bank manager to resolve your problem

  28. kailash Patni says

    Sir I have done all steps but at last paytm is asking for atm pin what should I do now ?

    1. Gaurav Ekka says

      It’s not paytm that is asking for your atm pin. It’s your bank transaction gateway portal is asking along with debit card expiry date and month. Enter those detail and continue transaction.

  29. Rohit dubey says

    is it safe for online recharge or not?

    1. Gaurav Ekka says

      Yes it is safe as long as you don’t give otp number receive to others when sent to your mobile

  30. Balram Kumar Mandal says

    Sir, mai debit card se na receive karpa raha hun n hi mobile recharge kar pa raha hun please help me.

  31. Balram Kumar Mandal says

    Mai nirdeso ka palan karta hu phir bhi nahi kar pa raha hun
    Your transaction compete wahi par
    ruk jata hai. Please help me.

  32. Aaryan says

    Hum 3d code kaise use kar skte h

  33. Aaryan says

    If i have done recharge from my no. And i have lost that how can i add 3d code plz rpky fst

    1. Gaurav Ekka says

      Now you don’t need to create 3d secure code because of rbi guidelines. If you do online transaction using debit / atm card an otp will be send to your mobile. if you have lost the number in which the otp is sent then you can change your mobile number by visiting the bank branch or you can also change the primary number visiting atm too.

  34. hiba says

    Sir.mai pay tm par account banri to mobile number dalne par ..already register Tha number batra..plz reply me

  35. Aaftaab says

    This is the first time I have tried to pay bills via paytm or online, never used debit card before for any online transactions, so how will I get to know my secure code as paytm app is not responding

    1. Gaurav Ekka says

      Secure code has been discontinued. Now for all transaction to go through you have to enter otp sent to your mobile number.

  36. Karthik K says

    If u want to upgrade your account kindly drop ur documents and mobile number to my mail I’d :

  37. Karthik K says

    Also I can give a technical support :

  38. Aryan Swain says

    what is Secure Code ??

    Secure Code Ne Confused Kar Diya Hai””

    Gaurav Sir ….Mein First Time Online Kuch Karne Jaa Raha Hoon. Aur Koi Secure Code Mujhe Nahi Pata …Sooo Mein Bank Mein Inquiry Karoon Ya #SecureCode Matlb New code Rakhana Hota Hai? Phir iisi Code Ko Har Online Shooping main use karna padata hai?


    1. Gaurav Ekka says

      The article has been updated. You don’t need secure code to make the transaction a success. Now you only need is the otp that is sent to your mobile number. For better understanding I recommend you read the above article once again. we have update it on 16 Nov 2016

  39. Roopesh says

    Sir how to make payment using Visa Debit card??
    when i tried to pay, they ask me for PIN
    they ask me to create password

    1. Gaurav Ekka says

      they might be asking you to create 3d secure code for future transaction. so that you can that use to shop internationally. for domestic payment you need otp in our mobile to authorize the transaction

  40. shiva says

    hi..i am using canara bank debit card… after entering the card details card no and ask password.. instead of sending any otp to my registered mobile number..i didn’t know which password is it referring to…please guide me what to do.
    Thank you

    1. Gaurav Ekka says

      it is asking 3d secure code which you would have created when you first transact online

  41. alis says

    sir actually expiry year is not mentioned in my debit card

    1. Gaurav Ekka says

      Your card is maestro it doesn’t have expiry

  42. Harpreet Kumar says

    Useful tutorial for Pyatm users. Thanks bro

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