It was my personal experience when I was in village and I needed two railway tickets from Gorakhpur to Delhi for urgent travel to my native town and I tried irctc but on payment page irctc was rejecting my payments so I asked to my friend. He advised me to book ticket by PayTm. I did same, I installed PayTm and add money to paytm wallet and I successfully booked my ticket. Thanks Paytm for timely help. Now I use Paytm as daily basis for recharge and all.