In my experience of paytm is not good and not bad because the reason is many transasctions and recharges are failure first we talk about highlights of paytm
Highlights:
In paytm cashback offers is good
cashback offers are applicable so many offers like flights and movies , trains etc.
transaction money to send easily with qr code scanning process
Bills and recharges are easy process
Soo its not bad
Drawbacks
anything transaction is failed money is debited in bank and wallet but refund is soo late I had face that type of problems
Tatkal train reservation is also drawback asking half an hour extra time taken
In front bank account transfer money didn’t take charges but now a days take charges soo its not good