I am a paytm customer from nearly 2015 , it means I am using it from the last 3 years. And this time is enough to judge a website and know about its merits and demerits.
I am certainly not happy with tha paytm it is poor in all departments except the payment mode.
Talking briefly about its cahrateristics and flaws.
Cahracteristics: -
1) It has a very fast means of transfering of money from 1 paytm account to another.
The users gets the money instantly after the succesful transaction.
Flaws of paytm: -
1) customer service- it has certainly worst customer support , on call it takes usually more the half hours from there side to answer the call.
2) Product quality- the product recieved from paytm are mostly of very poor quality.
3) Delicery time- The product usually takes 5days which is okay most of the websites takes the same time.
4) website or app- I prefer app more than website because the app is very simple to use.
I would like to conclude it with that is you are using it for payment purposes then it is good enough but for other purposed it is bad.