Paytm had been a nightmare to me for the last few months. Whenever I tried to add money into my wallet using my debit card or internet banking it always took around 8-10 minutes for it to confirm. I can not directly pay at the shops and outlets using Paytm because of the time it takes to confirm the transaction. Once you scan the QR code, it asks you to enter the payment method using which you would like to pay. On selecting add money and pay, it shows you available methods to add money. As I selected a debit card which was already saved on my Paytm account I was supposed to enter CVV only. I entered the CVV and waited for the bank to send me the OTP. While I waited for 5-7 seconds the page for entering OTP loaded. I entered the OTP and then it asked me to wait for the transaction confirmation. I received the message from my bank regarding amount deduction. But then I had to wait for the confirmation page to load so that I can show it to the shopkeeper. I waited for around 8-10 minutes for it to load. And this same thing had been happening since last 3-4 months. I even contacted the customer care regarding this but they said that since it is an online process between Paytm Server and the Bank Server they literally can not do anything. I tried all the same payment method on my friends Paytm account on my phone itself, and it just took around 1 minute for the transaction to complete and confirm.