Paytm is worst payment app. It tells you to do KYC to submit money to bank account. PhonePe and Google Pay are much better. Its customer support is pathetic, never responds. We at Shiva Realty had Rupees 88000 struck in Paytm, it was never transferred to our bank account. When we mailed and called Customer Care lot of time, they suspended our account.
We had to go to court to recover money, and court slapped additional Rupees 1 Lakh fine. Our money was recovered but after three years.
Stay away from Paytm