According to sources familiar with the matter, customers utilizing the Paytm application for UPI and wallet payments, where the linked bank account belongs to a different institution, should experience no disruption. However, those directly using Paytm Payments Bank for transactions will need to cease operations by February 29. While Paytm offers diverse products spanning travel, movie tickets, and more, these services are expected to remain unaffected by the RBI's directive. Nonetheless, industry insiders anticipate significant ramifications across various sectors, particularly for small enterprises reliant on Paytm for salary payments.