I used to use either PAYTM or freecharge for all my bill payments. Last time when I tried paying off my Airtel bill thru PAYTM, the payment did not go through. And the money was deposited in Paytm wallet. I wrote to them, saying it was paid thru Debit Card and it is only fair that the money goes back into card, . I Tweeted. Nothing happened. PayTm mobilizes funds like this, to run their day to day business. Stay away. The will go belly up very soon.