Paytm.com is no doubt a good option to go cashless but is not reliable. Many a times the money gets stuck and u have no option left with. It happened with me. The customer care services are also not so quick to solve the issues. Thats why I always prefer internet banking rather than using paytm.Com . One more thing what I want to share is that pytm offers cash back facility which is good but its services needs to undergo improvement to be trusted upon completely