ACI Payments Orchestration Platform vs. Amazon Pay vs. Paytm

I find it's extremely easy to use Amazon Pay, at least as a consumer. If you have an active Amazon account, and if you have Prime, your features (free shipping) are already connected and ready to use. The advantages are that you don't have to enter new payment info into another new e-commerce site and your Amazon Prime shipping advantages are already built into your options. At least, this has been the case for me the few times I've used it so far - on a couple of different online stores. I also had to cancel an item and the reimbursement went through quickly and easily as well.

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The portal is easy to understand. Anyone can use this payment gateway on their website or app. Small businesses also can use this gateway to accept payments from their customers. Payment notifications are instant and received fund gets settled in bank account without any delay. Provides less payment gateway charges for debit, credit, and prepaid cards where with UPI and rupay payment gateway charges are zero. It has a unique dashboard to monitor transaction details. Available in both web and mobile application.

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• The experience of using Amazon Pay goes really well if you have paired your Amazon account with an Alexa-enabled device.
• You don't have to take out your credit card in public and you can simply complete every purchase using Amazon Pay UPI.
• Amazon Pay later is one of my favorite features that I use to make any purchase on the Amazon website. It allows me to make payments even when I am short on the pocket. And the good part is that you don't have to pay any interest for this pay later amount.
• In case you have received a gift voucher from your company, you can add it to your account and it will reflect in your Amazon Pay balance.

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• You can use Paytm to purchase from a selection of common items to luxurious items.
• Tickets - Can be used to book tickets ranging from movie/concerts to flights/trains.
• Bills - You can use Paytm to pay bills for your house/electricity/DTH.
• Gifts - You can send gifts to your loved ones using Paytm.
• UPI Transfer - Directly transfer money to another customer's bank account by UPI transfers.
• Metro - Metro cards can be recharged from the app itself helping you beat the queue at metro stations.

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• Once you have added the money to the Amazon Pay wallet, you can't transfer it to your bank account and you are not able to purchase an Amazon gift card
• Sometimes Amazon Pay is slow in server
• Amazon Pay customer support is not good for India

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• One of the not so convenient things on Paytm is that if there is a connection failure while making a payment, your money is not credited directly to your bank account but rather to the Paytm Wallet, and this money can only be used by the Paytm platform.
• In Paytm, user verification requires a personal visit to their physical offices, this can generate a lot of discomfort among potential users since if we want to use a virtual service it is precisely to encourage time saving.
• You should be very careful when making purchases through Paytm's direct store, since in many occasions there are products of lower quality than the one offered and even fake products, it is better to use it to make payments to third parties and in considered amounts.

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Good in-terms of sending reminders on Electricity bill payments and credit card bill payments.

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It's very helpful for our company. Amazon Pay is an easy use platform. Through this app, you can solve all the problems like pay electricity bills, employees salaries, and transfer money to anyone.

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Paytm is highly usable due to its wide range of services, seamless payment structure and user friendly UI support.

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Planned outages & downtime window

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Slight improvements required

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Amazon Pay gets a rating of 9 because it does not drastically improve the business. That said, it allows us to offer another payment method for users who trust Amazon and will always or only checkout with Amazon Pay. The support team for Amazon Pay is top-notch and will help get all issues resolved.

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Need slight improvement on issues TAT

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I don't have any idea about this question.

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The User Interface of Amazon Pay is far better than any other payment gateway. Moreover, I have very less payment stuck problems with Amazon pay, and even if any payment gets stuck the issue is resolved within 48 hours of the failed transaction. I like that Amazon Pay offers rewards for every payment done which is a very cool feature that other applications often provide its users.

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I use Paytm just for the ticket booking system. For most of my daily transactions, Google Pay is the way. Google Pay has provided things very simple and faster. They always focus on a user-friendly env rather than adding everything to the app. They kept the app more simple and more useful.

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Easy to integrate

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• Amazon Pay instantly boosted our sales when I realized that customs prefer to use it over PayPal as just about everyone has an Amazon account and it makes it easier for them to just check out using Amazon Pay.
• The processing fees while higher than the others we are using are the only downside to our return in using Amazon Pay.
• Customers use their Amazon logins for their Amazon pay orders and it is as hassle-free as it gets.

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• It decreased checkout time for the user which allowed us to increase user experience.
• Rarely, I used to face issues with transactions. If order got cancelled refunding of money, settling them etc.,
• Since Paytm has link with UPI and I am able to collect money from any UPI applications, using credit or debit card, and internet banking it acted as single stop solution for me. There is no need to have multiple payment gateway options.

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