As the race for dominance in India's digital lending sector intensifies among the country's various fintech giants, a fresh rivalry is unfolding within the payments sphere between two SoftBank-backed companies—Paytm and Juspay.
The former, renowned as a pioneering fintech unicorn, has harnessed its artificial intelligence (AI) capabilities to craft a suite of products aimed at expediting and making payments seamless for merchants. Paytm’s suite, which encompasses features such as routing payments to the most efficient gateways and tokenising credit and debit card details, places the fintech giant on a collision course with Juspay.
Initially developed and used internally to decrease reliance on platforms like Juspay, Paytm realised the need to take this suite to its existing set of merchants to improve its client retention rate.
Previously, Paytm’s merchant suite offered online and in-store payment acceptance services such as an online payment gateway, all-in-one and dynamic-QR codes to receive cross-platform payments, point-of-sale (PoS) machines, and soundboxes. Now with the new product set, it is aiming to become a full-stack, one-stop payment services provider.
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