Paytm is not processing in good. I put complaint about my account is not working. I am waiting around 12 months my account is not open .It is having some issues to open . I really having very bad experience with paytm. Its not working properly on all time. The Team which is handling the problems and feedback of paytm is very poor to give response about my request. the coupons of paytm some times its not working . I tried many time to topup by using the coupon . the time to apply the coupon is very long. I not prefer for the paytm when we go to recharge or shopping. so use other apps to recharge and other uses