I am paytm.com user since years.this site helps to make mobile recharges, paying electricity bills, for dth service etc.it also offers wide variety of products from clothing to shoes. They also provide varieties of discount offers which atract customers.but paytm.com have also negative points.they did not upgrade daily offers and few time The amount will be deducted from your account but you did not receive benifits of recharge they show recharge in process .
And take day to refunded amount in there wallet.and if you try to transfer this amount in bank they will deduct charges.and they did not have customer care call centre for instant help.