I am using paytm wallet since 2 years. I really like this wallet. In this wallet you can do all the transaction. Like Mobil recharglo 4 d, she, bill payment, and if you are having money in paytm wallet so you can transfer your money in your bank within the 15 minutes. If any transaction is failed by paytm so they try till 24 hr. After 24 hr if you cancel the transaction then on the spot you will get your money in your wallet it’s my experience.