| Payments | Digital payment facilitation, merchant payment acceptance, UPI services, POS devices | Large merchant network, early technology adoption, AI-driven fraud detection | MSMEs, merchants, consumers; B2B and B2C focus | Merchant devices and value-added payment services | 1734 | 25 | Transaction fees, device sales, value-added payment services | Fee per transaction, device sale revenue | Growing digital payment adoption, expansion in merchant devices, UPI partnerships | Paytm Payments Platform, Soundbox merchant devices, QR payment solutions |
| Commerce | Digital product aggregation, ticketing, marketing services | Strong consumer brand, integrated ecosystem | Consumers and enterprises; B2C and B2B | Digital marketing services | 1064 | 15 | Commission, service fees from digital products | Commission-based fees | Increased digital consumption, marketing services demand | Paytm e-commerce and ticketing platform |
| Cloud | Enterprise cloud services, fintech infrastructure solutions | Technology expertise, integration with fintech ecosystem | Telecom, enterprises, financial institutions; B2B | Cloud software services | 230 | 3 | Service contracts and software licensing | Subscription and usage-based | Digital infrastructure demand, fintech platform growth | Paytm Cloud Technologies |
| Others | Miscellaneous fintech and digital services | | Mixed | | 21 | 0 | Varies by service | Mixed | Innovation ventures | Various emerging and ancillary services |
