I was the one using Paytm for every transactions , I recently had a problem in UPI while booking irctc ticket ,money debited from my account but not credited to irctc , same day I raised a dispute in irctc and Paytm , irctc clearly denies that payment hasnt received , but Paytm said it's credited , that was the last reply from Paytm after my several followups in Paytm same ticket , they haven't give single reply about the status of payment . Now I stopped using Paytm after several years .