For Digital payments I creat my account on paytm app. Credited my vallet with 2000 rupees 5 days before. Yesterday when I am using my vallet to pay at one store I am unable to proceed.an error encountered that you dont have any balance in vallet.i was shocked.when asked on mail ID given they don’t reply yet.i lost money so I suggest you to be very cautious if you are using.there are other mode of payments I would suggest like bhim app, jio money etc.