The customer service is poor refund policy is good. Customer service mainly consists of a bunch of employees copy pasting response from some faq guide. Return shipping most paid by Paytm seller in most cases. The refunds are only in the form of, don’t expect to get the amount back in the bank. On the other hand, Paytm wallet does have its uses. Hear it differs from all other companies. Cashback in Paytm wallet can be used for shopping on Paytm, paying electricity gas DTH bill on Paytm, recharging via Paytm shopping at health card at Naaptol.