Please do not use Pay TM( http://www.paytm.com) at all. I did a recharge for Rs 300/- and did not get the money recharged. In the portal it says "If your recharge doesnt go through, the amount will be available as Paytm Cash for immediate use." - why would I need there "Paytm Cash" to buy there bull c@#p again?
Even my friends have had the same problem before..and money was not credited back.
Scammers!