Im using Paytm wallet since 2016. for utility payments, paytm is excellent servicing platform it is one of the best e-commerce online wallet in todays date but I had worst experince with paytm purchasing I phone 6. first they attract you with cashback of Rs2500 to Rs3000 then once you place order they took your money and keep the order in status of order recieved and after using your money for more than one week they cancel your order. so shopping on paytm is pain. another pain from Paytm is mandatory of KYC