Been using paytm from 2012 for over 2 years and haven't been to a retailer even once for any kind of recharge. I do recharge for all 4-5 phones (mine & family) & tata sky etc from past 2+ years only through paytm and haven't faced a single issue ever. I am scared to go to a retailer instead these days

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So that's around 40000-50000 worth of recharge through paytm. Imo it's the safest option in terms of recharge online.