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Paytm Postpaid is not yet available on Laters.com, so this fare can't be split with interest-free instalments just yet

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paytm flights

Can You Use paytm for Flights?paytm Isn't Yet Available on Laters.com

paytm is not yet available as a payment method at Laters.com checkout, so we can't confirm you can use it here to book flights or buy plane tickets right now. We're working on adding more payment options, and this page will update once paytm is live. In the meantime, our other supported providers let you split the cost of a flight, subject to a credit check and approval.

Plenty of travellers ask about splitting fares with a UPI-based option like paytm, especially for bookings with carriers such as American Airlines and United in the US, or IndiGo and Air India for domestic Indian routes. Airlines rarely offer their own instalment plans at the gate, which is exactly why a checkout-level payment method matters more than which airline you fly. Until paytm is integrated, choose a plan from one of the providers already live at Laters.com checkout, pick what fits the budget, and your e-ticket is issued once payment is confirmed.

paytm itself describes a Postpaid credit line with a monthly repayment option and, separately, an instalment (EMI) route for purchases in India, though tenures and interest terms aren't published by paytm and eligibility remains subject to approval and age requirements. Whether you're pricing a long-haul business fare or a short domestic hop, availability and terms vary by market and by provider. Splitit is not currently part of our checkout either, so for now we'd point you to the BNPL options already active on Laters.com.

  1. Search flights and compare fares
  2. Choose paytm at checkout and pick a plan
  3. Fly now, pay the rest to paytm on schedule
Payment plans explained

Split Your Flight, Pay Over Time with Paytm

Paytm gives travellers two ways to handle a fare: a revolving Postpaid credit line billed the following month, or that same Postpaid balance repaid across monthly instalments. A convenience fee may apply, and Paytm runs a credit check before setting your limit, so read the terms before you book.

Your paytm fareUSD

$500

Most popular

Paytm Postpaid

Payments
At checkoutbilled on the 1st of every month
Down payment
Not specifiedif approved
Total you pay
At checkoutRate, payment schedule and total repayment are confirmed in your approved checkout offer.

Paytm Postpaid lets you book now and settle the fare next month, with no cost beyond a convenience fee if you repay on schedule. Miss that window and the fee structure, plus any charges for carrying a balance, starts working against you, so treat the limit like the credit line it is. Revolving credit line on UPI of up to ₹60,000 per month provided by Paytm's lender partner (Suryoday Small Finance Bank); limit is restored as it is repaid. Paytm states a 'minimal convenience fee' applies on payments but publishes no amount.

Postpaid instalments (EMI)

Payments
At checkoutmonthly
Down payment
Not specifiedin this example
Total you pay
At checkoutRate, payment schedule and total repayment are confirmed in your approved checkout offer.

Roll a Postpaid fare into monthly instalments instead of paying it off in one go, and you stretch the same balance over time rather than settling it at once. Paytm does not publish the term or rate for this option here, so a credit check still applies and you should confirm the schedule and any cost before you commit. Paytm's own travel content confirms flight bookings paid with Postpaid can be settled in one go or in instalments, but Paytm does not publish tenures or interest rates for this option.

Paytm names this credit line Postpaid everywhere it operates, so the label on the card matches what you see at checkout in every market it serves. Suryoday Small Finance Bank is the lender behind it, and your e-ticket is issued in full once the booking is approved.

Illustrative only. The figures above are computed from the fare you set: plain division for the interest-free plans, and the plan's own illustrative rate over its stated term for monthly financing. They are not an offer, a quote, or a prediction of what you will be given. Laters.com is not the lender and takes no part in the decision: which plans appear, the instalment amounts, any interest and fees, and whether you are eligible at all are determined by the provider alone, and depend on a credit or eligibility assessment, your country and your basket. The only way to see your real plans is to choose this payment method at checkout, at which point the provider, not Laters.com, approves or declines the purchase. All plans, rates, fees and terms are estimates only and subject to approval and to change.

paytm plans by country

paytm Flight Booking: Not Yet Available

paytm is not yet available to book through Laters.com. Coverage right now centres on India, where paytm operates its Postpaid credit line, and we are working to bring paytm checkout to the platform. Until then, browse the provider below to compare and book your flight with a payment option that is live today. This guide lists deferred payment in 1 market. This guide lists financing in 1 market.

This section is on hold while paytm checkout is not yet available on Laters.com. In India, paytm's short-term option is called Postpaid: spend now, pay next month, with instalments taken on a fixed monthly date and no interest when repaid on time, though approval is not guaranteed and a convenience fee may apply. Limits and terms differ by country and are shown by paytm at checkout. In the meantime, choose one of our other providers to complete your booking.

Laters.com vs booking direct

Why Book Your Flights on Laters.com?

paytm isn't available on Laters.com yet, so this comparison covers what you get booking with us today instead. Every airline we sell sits behind one checkout with 100+ ways to pay, including buy now, pay later plans, so your options never depend on which airline operates the flight.

Whichever airline operates your flight and whichever plan gets approved, Laters.com is who you're actually booking with, and who you'd contact for any change or refund. That means one point of contact if your plans shift, not a different set of rules for every airline. Any plan we do offer is still a credit product: a check applies and some carry interest, so review the terms before you fly.

Laters.com compared with booking direct with the airline
What you getLaters.comBook direct with the airline
paytm built into checkout on all 650+ airlines✓Very few
The same paytm plans, whichever airline you fly✓✕
Compare every airline in one search, then pay with paytm✓✕
Other pay-later providers, stablecoins and 100+ more ways to pay at the same checkout✓✕
No surcharge and no booking fee for paying with paytm✓Varies
Independently scored, no paid placement

Laters.com Payment Score: paytm

Cyan cartoon hand making a peace sign with black outline sticker style illustration

What is the Laters.com Payment Score?

Our editorial rating, out of 10, for how well a buy now, pay later provider actually works when you are booking a flight.

  1. 1Repayment Flexibility
  2. 2Interest Rate
  3. 3Eligibility
  4. 4Approval Process

Every provider at our checkout is scored on the same 4 measures, so you can compare them like for like before you choose how to pay. See all fly now pay later provider scores →

This score is based on published plan terms, eligibility criteria for flight bookings, and Laters.com's own independent research into paytm's Postpaid product; no brand pays to be rated. Last reviewed September 2026.

Laters.com is the merchant for every booking on this page: we sell the ticket and earn from the fare, which is the same whichever payment method you choose. No payment provider pays us for placement, ranking or its Payment Score, and this page contains no affiliate links.

paytm's Postpaid line lets Indian travellers spend on a UPI credit facility of up to ₹60,000 a month and settle on the 1st of the following month, with a convenience fee of unpublished size. A separate EMI option lets Postpaid purchases be repaid monthly, though paytm does not publish its tenures or rates. Right now, paytm is not yet available to book through Laters.com.

What works well

  • Revolving UPI line worth up to ₹60,000 a month
  • Up to 30 days interest-free before the bill is due
  • EMI option lets a Postpaid flight purchase spread monthly

What to watch

  • Convenience fee applies but no amount is published
  • EMI tenure and interest rate are not disclosed
  • Only one market, India, is currently documented
  • Not yet bookable through Laters.com

4 measures, scored the same way for every provider at our checkout.

Repayment Flexibility7/10

Two shapes: Postpaid (spend now, pay next month, on the 1st) and Postpaid instalments (EMI). Both sit inside one revolving UPI line up to ₹60,000 a month, so the range is narrow, not three genuinely distinct plans.

Interest Rate7/10

Postpaid is described as interest-free for up to 30 days, but a convenience fee may apply with no amount published. EMI carries no disclosed tenure or rate at all, so cost is unclear on the plan meant for larger fares.

Eligibility7/10

Facts cover a single market, India, where both plans are listed. With no other country records supplied, coverage cannot be judged beyond that one market, which caps this below wider-reaching providers.

Approval Process7/10

Postpaid runs on an existing UPI credit line issued by Suryoday Small Finance Bank, so a lender relationship and KYC sit before checkout rather than a decision returned there. No hard-check detail is supplied either way.

The editorial take

Strongest on
Flexibility: a revolving Postpaid line plus a monthly EMI option, both drawing on one credit facility of up to ₹60,000.
Held back by
Held back by undisclosed costs: the Postpaid convenience fee and the EMI rate and tenure are never stated, so the real cost stays hidden until billing.
Which plan
Paytm Postpaid for a fare settled within the month. Postpaid instalments (EMI) to spread a larger booking.

This table prices one fare across paytm's plans as they stand today, in India, where Paytm Postpaid currently operates. The fare itself does not change: Laters.com adds no booking fee or surcharge for paying this way.

PlanUpfront paymentThenYou pay in allCost of credit
Paytm PostpaidNot specifiedAt checkoutAt checkoutAt checkout
Postpaid instalments (EMI)Not specifiedAt checkoutAt checkoutAt checkout

What else can cost you

Booking fee from Laters.com
Zero. We add no surcharge for choosing to pay with paytm Postpaid over another method.
Convenience fee
Paytm states a minimal convenience fee applies to Postpaid payments, but publishes no fixed amount.
Late or missed payment
Paytm does not publish a late fee for Postpaid; a missed bill can still affect the credit line and its future limit.
Currency conversion
Postpaid settles in INR, so bookings priced in other currencies may carry a separate conversion cost from your bank.
Refunded flight
Paytm does not state how a cancelled flight adjusts an open Postpaid balance or EMI plan; confirm with paytm before booking.

Treat this as an illustration, not a quote. What paytm actually offers depends on the traveller's market and on approval of the Postpaid line, and every provider on Laters.com is costed against the same rows so the figures can be compared fairly.

Where paytm leads

  • Revolving UPI line worth up to ₹60,000 a month
  • Up to 30 days interest-free before the bill is due
  • EMI option lets a Postpaid flight purchase spread monthly

Before you apply

  1. Postpaid is a revolving credit line issued by Paytm's lender partner, Suryoday Small Finance Bank, so a credit assessment applies to it.
  2. The EMI option is a repayment feature on a Postpaid purchase rather than a separate product; paytm does not state whether a fresh check applies to it.
  3. paytm has not published a minimum fare for either plan, so very low-cost fares may still be worth confirming.
  4. Age, residency and other eligibility rules vary by market; check paytm's own site to confirm them before booking.
40+ScoredFly now pay later provider scorespaytm is scored on the same measures as every other buy now, pay later provider we rate for booking flights.See all provider scores
Compare pay-later options

More Ways to Pay Later for Flights

paytm isn't available at the Laters.com checkout yet, so it can't be compared here as a live option the way splitit can. paytm's own published offer centres on Paytm Postpaid, a revolving UPI credit line billed monthly, with an EMI-style instalment option layered on top for settling a flight purchase over time. splitit works differently: it's built around a pay-in-4 structure rather than a revolving credit line, and you can compare splitit for flights on Laters.com. If paytm isn't available where you are, these are the other providers that can spread the cost of your flight.

Other providers

splitit

Pay in 4 instalments

Splitit typically uses your existing credit card to split a purchase into instalments, and approval depends on your card's available limit rather than a separate loan application. A credit check or authorisation hold may still apply, so check the terms before booking.

Coverage varies by market; check availability at checkout.

View provider guide

Klarna

Pay in 4 or pay monthlyKlarna

Klarna offers short-term pay-in-4 style plans alongside longer financing options, and some plans carry interest while others don't, so read the plan details before you confirm. Approval isn't guaranteed and a credit check can apply.

Coverage varies by market; check availability at checkout.

View provider guide

Afterpay

Pay in 4 instalmentsAfterpay

Afterpay splits the fare into a set number of instalments, with the balance still owed on a schedule even though nothing extra may be due upfront. Missed payments can trigger fees, and eligibility is subject to an approval check.

Coverage varies by market; check availability at checkout.

View provider guide

Affirm

Longer monthly financingAffirm

Affirm is built around monthly financing rather than a short pay-in-4 split, which suits a traveller who wants a longer repayment window. Some plans carry an APR, and a credit check applies before approval.

Coverage varies by market; check availability at checkout.

View provider guide

Zip

Pay in 4 instalmentsZip

Zip offers an instalment plan for spreading the cost of a fare, with approval and any fees for a missed payment depending on the terms Zip sets for your account. A credit check may be part of that approval process.

Coverage varies by market; check availability at checkout.

View provider guide

Tabby

Pay in 4 instalmentsTabby

Tabby splits a booking into instalments, and while no extra payment may be due today, the fare (plus any fees on a missed instalment) is still owed on schedule. Approval isn't guaranteed and typically involves a credit check.

Coverage varies by market; check availability at checkout.

View provider guide
40+ProvidersEvery fly now pay later providerExplore the provider guides and compare their payment products. The options available for your booking, approval and terms are shown at checkout.Compare fly now pay later providers

Fees, refunds, credit checks and eligibility

FAQs: Using paytm to Book Flights

Everything you need to know about paying for flights with paytm on Laters.com.

Can I use paytm to book flights on Laters.com?

Not yet. paytm is not currently available as a payment option on Laters.com, so travellers cannot use Paytm Postpaid or its instalment plan to book flights through our platform right now. We list this provider because it operates a UPI credit line called Paytm Postpaid in India, spend now and pay next month, with a monthly instalment option, but that plan is not live at our checkout. Check Laters.com for updates or choose one of our other available providers to book today.

Which airlines accept paytm for flights on Laters.com?

None, for now. paytm is not yet switched on at our checkout, so no airline booking on Laters.com can currently be paid for with Paytm Postpaid or its instalment option. When a provider is active, payment method availability works at the platform level rather than being decided airline by airline. Until paytm launches here, choose a payment method that is already live on Laters.com to complete your flight booking.

Does paying with paytm on Laters.com cost extra?

Not applicable right now, since paytm booking is not yet available on Laters.com. When live elsewhere, Paytm Postpaid is described as interest-free for up to 30 days though a convenience fee may apply, and Paytm's own instalment (EMI) option on Postpaid purchases carries no published rates or tenures. Laters.com does not add its own surcharge or booking fee on top of any payment method it offers. Check back on Laters.com to see current, active payment options and any costs tied to them.

When would my e-ticket be issued if I paid with paytm on Laters.com?

It would not be issued yet, because paytm is not currently a supported payment method on Laters.com. Once a provider is active on our platform, e-tickets are typically issued once payment approval is confirmed. paytm's own Postpaid product is a UPI credit line settled the following month or via instalments, but that flow is not connected to Laters.com bookings today. Use an already-available payment method on Laters.com if you need your ticket now.

What credit check applies to paytm, and does it matter for Laters.com bookings?

It does not apply here yet, since paytm cannot currently be used to pay for flights on Laters.com. Paytm Postpaid functions as a revolving UPI credit line provided through Paytm's lender partner, and any credit line of this kind typically involves an eligibility and credit assessment set by the lender. Missing payments on any credit product can affect your credit standing, so read the lender's terms carefully wherever you encounter this plan. For flights booked on Laters.com today, choose a provider that is actually live at checkout.

What happens if I miss a paytm payment on a flight booked through Laters.com?

Nothing yet, because paytm is not available for flight payments on Laters.com at this time. In general, missing a payment on a revolving credit line like Paytm Postpaid can trigger late fees, and missed payments on credit products may be reported to credit reference agencies, which can affect your credit score. Laters.com does not currently route any transaction through paytm, so this risk does not apply to bookings made on our site today. Once paytm is added, full repayment terms will be published here.

Which countries can use paytm to book flights on Laters.com?

None yet, since paytm has not launched as a Laters.com payment option in any market. Paytm itself markets Paytm Postpaid in India as a UPI credit line with an instalment repayment option on purchases including flight tickets, settled in INR. That availability sits within Paytm's own app and services, not within Laters.com's checkout. Travellers in India or elsewhere should check Laters.com directly for confirmation once this provider goes live.

Which paytm plan would suit an expensive, long-haul flight?

Neither is available on Laters.com yet, so this comparison applies only to Paytm's own platform for now. Of the two plans Paytm publishes, the instalment (EMI) option on Postpaid purchases is the one built for spreading a larger cost, since Paytm's travel content confirms flight bookings paid with Postpaid can be settled over instalments rather than in one go. Paytm does not publish the tenures or interest rates attached to that option. Once paytm is active on Laters.com, we will show which plan applies to higher-value fares here.

Will using paytm affect my credit score if I book through Laters.com?

Not through Laters.com, because paytm cannot currently be used to pay for any flight booked on our platform. On Paytm's own service, Postpaid operates as a revolving credit line, and credit lines of this type generally involve reporting that can affect your credit score, particularly if a payment is missed. Laters.com will publish the specific credit-check and reporting details for paytm once the provider is integrated at checkout. For now, any credit-score impact from Paytm Postpaid relates only to its use within Paytm's own app.

What happens to my paytm repayments if my flight is cancelled or refunded?

This does not apply on Laters.com yet, since paytm is not an active payment method for flights booked here. Refund handling for a Postpaid balance or instalment plan would depend on Paytm's own lender partner and repayment terms, which Laters.com does not currently administer for any transaction. Once paytm is integrated, Laters.com will confirm exactly how a cancelled or refunded fare adjusts an outstanding Postpaid balance. Until then, book with a provider already available on Laters.com to have full visibility of refund handling.

Can I use paytm for international or multi-stop flight bookings on Laters.com?

Not currently, as paytm has not launched on Laters.com for any itinerary type. When a BNPL plan is available, it typically applies to the total fare rather than to the specific route, and it is the country you book from, not the route you fly, that decides which plans you are offered. paytm's published plans center on Paytm Postpaid, a UPI credit line, and its instalment option in India. Check Laters.com for updates on international availability once this provider is added.

Is a Paytm Postpaid deferral really free, and what is the catch?

Not entirely, and this is worth knowing even though paytm is not yet bookable on Laters.com. Paytm describes Postpaid as interest-free for up to 30 days, but it also states that a minimal convenience fee may apply on payments, without publishing the exact amount. It operates as a revolving credit line of up to a set monthly limit through Paytm's lender partner, with the limit restored as you repay. Confirm the current fee and terms directly with Paytm before relying on this plan for any purchase.

Can I use paytm to book flights on Laters.com without having a paytm account?

You cannot use paytm on Laters.com at all right now, with or without an existing account, since the provider is not yet integrated into our checkout. On Paytm's own platform, Postpaid is a credit line tied to an existing Paytm account and requires approval from its lender partner. Once paytm becomes available on Laters.com, account setup and eligibility steps will be confirmed on paytm's own site. For now, use a payment method that is already live on Laters.com to complete a flight booking.

How are paytm repayments tracked if I book a flight with it?

This is not yet relevant to Laters.com bookings, since paytm is not an active payment option here. On Paytm's own service, Postpaid repayments are billed on the 1st of every month as a revolving credit line, with the limit restored as the balance is repaid, or settled through the instalment (EMI) option Paytm offers for Postpaid purchases. Tracking and management of that balance happens within Paytm's own app, not through Laters.com. Once integrated, Laters.com will clarify how repayment tracking connects to bookings made here.

About paytm and Laters.com

About Buy Now Pay Later Flights with Paytm

Who is paytm?

Paytm is one of India's best known digital payments brands, built around a mobile wallet and UPI app that millions of people use for everyday spending, bill payments and now travel. It has grown from a simple recharge and payments tool into a broader financial services company, and flights sit inside that as one of many things you can book and pay for through the app, with Postpaid as the credit option behind the purchase.

The company was founded in Noida in 2010 by Vijay Shekhar Sharma, originally trading as One97 Communications before the Paytm brand took over as the public face of the business. Today it operates as a listed company on Indian stock exchanges, and its lending features, including Postpaid, run through partner banks and non-bank lenders rather than Paytm itself extending the credit. Paytm's path here has not been a straight line up: its payments bank arm has faced regulatory restrictions from India's central bank, and the company has had to adjust parts of its lending and payments business in response. Anyone weighing it up should check paytm's own site for its current standing and terms. Borrow only what you can comfortably repay on schedule, whichever plan you choose.

Booking with paytm on Laters.com

paytm is not yet available to book flights with on Laters.com, so the steps below describe how it's designed to work once support goes live rather than a checkout you can complete here today. The plan is that you would search your route, select paytm at checkout, choose between plans such as Paytm Postpaid, its revolving spend-now-pay-next-month credit line, or Postpaid instalments (EMI), which lets a purchase be repaid over several months, and your e-ticket would be issued once payment is approved. Postpaid may carry a convenience fee on payments even when short-term use is interest-free, and instalment repayment is a form of credit that depends on approval, so treat any future paytm checkout here as a credit decision rather than a simple payment toggle.

Because paytm is not connected to Laters.com yet, none of the usual booking-relationship details, who the merchant is, whether paytm appears as a native payment method, any partner-merchant listing, or licence information, apply in practice right now. In the meantime, Laters.com's other supported providers can be used to search and book flights and to split the cost through a working checkout. Check back on this page for updates on paytm availability, or compare providers currently live on Laters.com.

Laters.com earns from the fare as the merchant, the same whichever payment method you choose; no payment provider pays for placement on this page.

How pay-later flight bookings work

A flight booking and a repayment plan run on different schedules. Our guide explains the practical questions to consider before splitting a fare.

  • What changes when you pay for a flight in instalments
  • How to compare the total cost and repayment dates
  • Why a flight change or refund does not automatically end the payment plan
  • How a worked example divides a fare into payments

Read the guide

paytm is a credit product

Borrowing responsibly means only committing to instalments you can genuinely afford. Missed payments can result in late fees, may be reported to credit reference agencies, and may affect your credit standing and your ability to borrow in future. Laters.com is the new name for Fly Fairly; nothing about your booking or support changes. Last reviewed by the Laters.com editorial team in September 2026.

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