Additionally, the bank won't be able to offer credit services or facilitate fund transfers, including Unified Payments Interface (UPI). The ban won't affect users' savings accounts, wallets, FASTags, and NCMC accounts, so they can keep using them with their current balances. Paytm's offline merchant payment services, like Paytm QR and Paytm Card Machine, will also keep running normally. New offline merchants can still join these services.