As u have seen I mention the service charge in every transaction and our government support digital india . Whether if we recharge , send money , movie tickets and etc . One more feature it disappoints me is the VIP are we separated by the bank balance. Suppose if we book a movie ticket for 5 seats for gold row middle seats its price rs100 and I use paytm to book the ticket it should have 500 or + extra service charge = 640 now this is the real amount deducted from my account . If I go to the multiplex and purchase tickets then its worth rupee 500 only . Why will I give extra money to pay tm . I can spend my 140 rupee to eat pizza or burger also .