Honestly, using paytm from a long time and very useful for me. but sometimes it just stops working. Last day I had to.recharge my metro card and it keeps me waiting and even refund came on next day. Once paid my bill on dominos and order was cancelled later but havent got my refund yet, paying on stores like that could be a problem most of times, but on the other hand many products are much cheaper in price compared to othet online stores, have so many products with really good discounts. But I dont like the part where I havent got my refund and had to wait to recharge my metro card .