I am using this site for shopping and recharging for past 3+ years.
For RECHARGES it was good long time ago as there were many offers but now a days there are very ristrictive offers due to which I am using it less for rechrging since past few months.
For PRODUCTS it has good return policy and you will get the cashback as soon as the executive collects the product. But the main PROBLEM is, if you have some other issues which you want to discuss with customer care the phone number is chargable and takes huge time to connect and it has to be same registered number from which you have ordered the product. So this needs to be IMPROVED by PayTm.