I am using paytm 8 years ago. No problem has been raised . This is really best app for online transaction. We can do insurance, recharges, bill payment and payment receive easily by phone number and payment made. If you use it you will not get any problem.
You can use it every where like petrol pump, mobile, shop keeper , general stores etc.
But it’s has one Nagitive fact when you transfer your money in bank account it will be charged.
You can take benefits it’s offer .