Free tool · no sign-up · 3 interview rounds
Generate AI-powered Paytm interview questions for all 3 rounds. Process: Online Assessment → Technical × 2 → HR.
From our curated bank of 10 Paytm-specific questions. The generator produces fresh AI-tailored questions each run.
What is Paytm's product portfolio and which engineering domains are most relevant for interviews?
Tip: Paytm (One 97 Communications): payments (wallet, UPI, QR), Paytm Bank, insurance, lending, ticketing, and gaming. Engineering domains: payment systems, wallet management, QR code generation + scanning, notification infrastructure, fraud detection, and data analytics for merchant insights.
Design Paytm's QR code payment acceptance system for small merchants.
Tip: QR encodes: merchant VPA (Virtual Payment Address). Flow: customer scans QR → opens UPI app → enters UPI PIN → initiates push payment to merchant VPA → NPCI routes → merchant gets credit + notification. Static QR: fixed amount. Dynamic QR: encoded with amount + order_id for tracking. Verification: webhook from UPI to Paytm backend.
How does a digital wallet work? Describe the debit and credit flow.
Tip: Wallet: stored-value account. Credit flow: add money → bank transfer (NEFT/UPI) → credit wallet ledger row. Debit flow: payment initiated → check balance (SELECT FOR UPDATE) → debit wallet row → credit merchant. Idempotency: use payment_request_id to prevent double debit on retry. Paytm Wallet must be PPI-compliant (RBI PPI norms).
Write code to find all subsets of a given set (power set).
Tip: Backtracking: at each index, include or exclude the element. O(2^n) time (correct — there are 2^n subsets). Bit manipulation approach: for n elements, iterate 0 to 2^n-1; bit k set → include element k. Paytm coding rounds test classic recursion/backtracking problems.
How would you implement Paytm's KYC (Know Your Customer) verification system?
Tip: RBI-mandated KYC levels: Minimum KYC (₹10K wallet limit, OTP-based) → Full KYC (₹2L limit, Aadhaar eKYC or V-CIP video). Tech flow: Aadhaar OTP → UIDAI API → decrypt response → store encrypted PAN/Aadhaar hash. V-CIP: video call recording, OCR on documents, liveness detection (ML). Data: encrypted, masked in logs.
Practise questions for each stage to maximise your preparation.
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