It also launched Paytm Payments Bank[19][20] and ‘Inbox’, a messaging platform with in-chat payments among other products.[21] By 2018, it started allowing merchants to accept Paytm, UPI and card payments directly into their bank accounts at 0% charge.[22][23] It also launched the ‘Paytm for Business’ app which is now called Business with Paytm App, allowing merchants to track their payments and day-to-day settlements instantly.[24] This led its merchant base to grow to more than 7 million by March 2018.