I am using Paytm Mobile App from last two years. I recharged my mobile phone lots of time via Paytm Mobile App that is why I have adequate experiences about this app to share. I downloaded this app because of my friends suggestion. OnceI was trying to pay electric bill and the transaction was cancelled due to network error. My money was refunded after five days, my bill was just of ?1036 that is why it was bearable but if the amount was much more than five days are too much to create any problems.