With counter- intuiation it is not at all a very good app. I had really bad issues with concerns to delivery timings! Takes too long for delivery of products after the placement of order contrary to amazon service. But it has a reliable wallet system. There is no problem with refund system and cashback system. Paytm refunds money at an reasonable time so
I reckon your money will be safe and you will not have issues with that. Not at all satisfied with product deals as compared to other online shopping apps. I had ordered a dress from it and was suprised to see the quality difference in display pics and geniune product. I feel cheated and so I don’t think its good for shopping. If you download it you will embrace it as a medium of payment but will regret placing online orders from it. Thanks for reading