Mobile wallets like Paytm are constantly trying to make it easier for people to make payments on-the-go. Paytm is available for both online and offline transactions, enabling the customers to do all sorts on different platforms.
In simple terms, its a way to make payments online, and its extensive features let you pay the monthly bills, recharge your mobile, and shop while sitting in the warmth of your room.
Advantages of Paytm wallet
1. Available with or without the Internet
The splendid service of Paytm mobile app is so smooth that you can use it anywhere, anytime with or without the Internet. If you have access to the Internet, just connect with the App and browse its seamless features.
In case, you dont have the internet, call on Paytms toll-free number and ask for PIN generation. You can easily make a transaction from one Paytm account to another using this PIN and SMS service when you dont have Internet connectivity.
2. Smooth payment system
Paytm is truly a one-click payment system due to its ease of handling and payment procedure. All you have to do is go to the PAY and Send option and fill a few credentials like mobile number to make payment.
For quick utility bill payment, you can opt for Quick Pay and your saved debit/credit card credentials will be used to make the payment. With this app on your phone, standing in the bank queue has become a habit of past. You dont need to make monthly visits to your bank for cash withdrawal as all the payments are now linked to online banking via this APP.
3. Free coupons and cash back options
In order to make the Indian festivals more exciting, the app rollouts several cash back offers. On the occasion of Diwali, 26th Jan, 15th August, Holi, New Year, and Christmas, you will witness mega sale on these apps.
4. Secure Payment Gateway
Paytm was already a safe payment gateway, but things got more reliable when it added the PIN/fingerprint ID feature for account access. Once you set the PIN for your account, your payments can be made using these PINS only. So, even if you have lost your phone, your account will be frizzed because only you know the PIN.
5. No More Failed Transaction
Paytm users can be sure that their transaction is in the right hand, they can make the purchase without worrying about delays and failures. Even if a payment fails, the amount is credited back into your Paytm account which can then be reused.
Disadvantages of Paytm account
1. Slow Server
Sometimes users find the Paytm server to be slow. Although the company is growing fast and improving its facilities, a lot needs to be done to tackle the growing number of users.
2. Customer Support
There are still complaints about the customer support services of Paytm. The revert time is quite long, and that annoys the users.
Overall, these were the major advantages and disadvantages of Paytm app; you can experience its amazing features by installing in on your smartphone.
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