I have used it for last couple of years. Suddenly they have blocked my account saying that I need to a KYC. On video KYC, first of all we don’t know to whom we are giving our PAN and Aadhar details to. Person on the other side just say that they are from Paytm. That’s it. No identity proof to show. On top of that, after giving all details to that person, my KYC was not completed. On checking with customer care they had no answer. It happened last year. Now again I am trying to do a KYC and their app is not working. It says “there is some issue and try later”. Really frustrated using this app.