The paytm is a very a good application for making online purchases. This is also very good if u pay your bills online and want to earn some cashback. But if you are trying to make it as your permanent wallet and keep your all money into it its bad.according to my personal experience one day I went on fuel station to refill my car that day I didn’t have money in cash.
So I decided to pay with paytm.i bought the deisel of ruppees 1000. And pay it with paytm.i got the message of ( succesfull transaction) .but the fuel station didn’t got the message of ( payment recieved) .so they tell me that they didn’t got the payment and engaged me there for 1 hour until they confirmed it with there head branch.and that day i’ve got late fpr my office too.after that day I only keep the paytm as my temporary wallet and keep very less amount in it.THANKS