PayTM is providing worst service across the india .. and they don’t even refund money for their own technical issues like multiple recharges ( if we recharge once it will reduct automatically twice or thrice) and bill payments ( they will deduct money for us first Nd will not pay the bill and will never refund the mny back to you) etc .. if we raise a issue they will respond very slowly.. I rate 0 out of 5...