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The second Indian payment wallet on our list is Paytm , which can be prepaid eliminating the need to be linked directly to a bank account . It is used by Indian customers for a variety of services such as mobile credit , utilities payments , paying to ride the metro and making donations . Paytm is the largest payment gateway in India and works with both consumers and merchants – indeed , 7mn merchants accept mobile payments from the platform . The company has recently launched Paytm Payments Bank , which aims to provide payment services to underbanked communities across India . Paytm has seen investment from the likes of Softbank and Alibaba . MAY 2019