App is getting worse day by day.. Unable to remove bank account, deactivate UPI services because all these services are getting verified by sending sms process. 1. why do we need to have sim in phone for verification. May be registered mobile number is available in other phone. 2. Sending sms is getting failed 99.999% times even though you have sim in your phone. 3. Bank account is inactive but we can not remove it from paytm because of its inefficient process. 4. App is like vegetable market