No.1 FRAUD COMPANY. The decline of it's share price is the direct proof of their way of doing business and providing support to it's customers. You add 100 into you wallet and they charge you 102. You request to return the transaction to the bank, to the same source they silently keep the 2 rupees with them and transfer back the 100. I totally agree with 2% convenience fee, but not without availing the service. This is how paytm is illegally looting innocent people and making huge profits.