Hello, I order on paytm many times. When you pay online from your bank account and cancel your order they add refund in paytm wallet. That money in the paytm wallet can not be transfered into bank account and you have to use is by buying product from paytm. And sometimes if they allow transfer from wallet to bank than they demand additional fees Which is very bad from paytm. Refund of the money should added in bank account or there should be no additional fees if I have paymented from my bank account.