Hi friends iam heare to share my personal experiance on paytm.com. worast customer support in case you need help while shopping/canceling/returning item.it will take up to 7days for the money to be created to t bank account if return products on paytm. Money transfer from paytm ti bank account can change up tu 2.04% and you may lose your avilable, they paytm cash if you losses your mobail.they dont have authenticution using email id .depending ouoe rhe id, depending on crush not available an all major online and offline , stores, means have to keep your debic /credit card with you if you are going to buy from such store.