There are many online recharge and transaction app like FreeCharge, Phonepe, Paytm etc.I used the Paytm app for 2 years and I shared my expericed with us. I think paytm is wrost app. It takes very long time to complete a money transaction, Bill payment and recharge.On day, I pay our home bill which is about Re. 5000. I pay the bill and money is debited from my account but the bill is not paid. It take 10 hrs to complete the payment.Very late coustmer support-Not any direct number to contact direct costumer care. When you call costumer care there are many bad option and not solving problem. It take very long time to talk with the costume care and solve the problem.Sometimes paytm blocked my account for somedays.Paytm not give such a good offer such as cashback on recharge and bill payment. As like the offer is given by phone pe and freecharge.I booked a movie ticket and I cancelled it and I an not getting full refund and it take very long time to refund.