+ve:
Easy reload
Secure
Multiple options
One stop solution for your shopping, bill payment and wallet need
Attractive cash back offers on shopping from paytm
Most of retailers and websites have paytm options
-ve:
Some popular websites do not give option to pay through paytm
Need hands on to use app with ease
Lot of bugs in app, though I sincerely believe they work hard and update app
Lot of complaints on KYC