Today I faced a blizzare situation in paytm.i sent money for an emergency occasion ,they deducted the money and puts the transaction on pending. Now I have to wait for 2 or 3 days to get the transaction result whether it sent or I get my money back . I can't resend the money because if the previous transmission gets succeeded it would be a waste. This is the stupidest thing in every upi app. If the server is down just make it fail don't put it in pending. Lastly, the customer care is utter waste