Pros and only pros.
First
You recieve a cashback in form of discount ranging from 1% to sometimes 10%.You can use the instant discount by paying less to the site or if you receive cashback you can utilise it easily when you pay again through payumoney.
Second
Your money is safe here, so no worries
Third
If you opt for refund they have a user friendly website, you will just have to click on "transfer to account" tab and the money will get transferred into your account in 5-7 days without any hassle.So user friendly site
fourth
Their customer care service is also very good.
So always pay by payumoney and save your money.A penny saved is a penny earned!