One97 Communications Limited (“One97 or Paytm”): “A ‘demand loan’ facility (“Postpaid Facility”) and Merchant Loans (“Unsecured Short-Term Loan”) is offered by Clix Finance India Pvt. Ltd. (“Clix”) on Paytm’s platform operated by One97 Communications Limited (“OCL”) (“Paytm Platform”). One97 acts as a service partner to Clix Finance for certain services which include collection of customers’ /merchants’ KYC documents, customer service, technology service provider and to act as a collection agent. However, approval of the above-mentioned facility/term loan is solely at Clix Finance’ discretion. To know more or apply for the same, please visit the Paytm Consumer (Pospaid) and Merchant (Loan against offline QR code payments) apps.