1. Just a big hype in the market but its usage process is tedious.
2. If you can pay money in a single shot with debit/credit card, why use PayTm?
3. You are giving away all your details in PayTM which you don’t know even.
4. Being a technical person I can say that it has a complex and weak system and not made for long life.
5. It has recently converted into banking system.
Bottom-line- Don’t flow away with the wind. Hold yourself.