I was using paytm from last almost 10-12 months, but recently I started to face many issues altogether, firstly I thought it could be because of updates but then I thought why to put my money on stake, so I switched to mobikwik. The issue was, that whenever I recharge something being my dth or my mobile is takes many hours to top up. Also if I add monet to paytm wallet then it deduct the amount frim my bank account but didnt shows in pahtm wallet, so I had to complaint many a time to their customer care constantly. They refunded the money but sometines it took upto 48 hours also. Also I didnt find any of the coupin working , it all seems fake. I recommend you mobikwik. THANK YOU.