This app was best for all payment from 2017-20 after that everything changed the UI/UX became very difficult to use and to be honest I used phone pe and the user UI/UX of phone pe is 200% better than paytm. I think everyone are switching to other apps because of dirty UI/UX and lots of useless feature. Currently phone pe UI/UX IS BEST even older people can use it without difficulties and paytm is the worst paytment app as of now!. Thanks this Is my personal experience.