I know it undoubtly. It’s one of the best app for money transfer and payments, but it did cause me a harassment few days ago. I had to pay someone r’s six hundred. My paytm balance was low. And I burrowed money from my bank account. This transaction was successful. But when I tried to paytm that amount to my friend. Due to some network issues the transaction was not successful. After few mins. When I tried again. I saw. There was no balance in my account. Neither my frnd Recieved the money. We were stunned. Where did it go then! After dat. I am a bit miser when it comes to paytm someone. There are other apps. Which I rely on!