I used this wallet but some times I am unable to make the payment . and many people use ru pay than paytm. The paytm app promices of giving cashback on racharges and bookings . openly speeking I never had a cash back. Also there is nooff on train ticket bookings and np cashback. This application is only useful to recharge mobile bills . also the e marketing available in this app is worst. As they do not clearly mention the details of their product and only 1 image is present