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The Platform Fee Playbook - PhonePe (Aggressive): - 1-3 on mobile recharges - 2-5 on bill payments Positioned as "convenience fee" Paytm (Selective): - Fees on bill payments, food ordering, travel - Cautious post-regulatory troubles - Avoiding user churn Why This Works: Small enough to ignore 2 on a 500 recharge feels negligible High volume Billions of transactions = meaningful revenue Normalized behavior Users already pay convenience fees elsewhere (BookMyShow, Swiggy) The trend: The era of "free payments" is ending

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