My PayTM story:
Like I usually do, i logged into the irctc android app to book a train ticket. To my pleasant surprise they waived off the IRCTC service charge of about Rs. 20 (on a Rs. 1200 3rd AC ticket) citing promotion of cashless and demon etc.
In the payment options page, there were wallets like mobikwik, payumoney etc. At the bottom was the common credit/debit card/netbanking option. But it was powered by paytm. No other options. Next page there was a paytm service charge of Rs. 22 !!. I was like fcuk this, i'll travel one hour to the train station and book a paper ticket but i aint paying paytm sh!t. When i mentioned this to my friend, he said, but I booked a ticket on the irctc website and there was no charge. So i went to the site and sure enough, there was no IRCTC charge and also the old payment systems were in place. I directly used my ICICI card payment gateway. So FU paytm.
About a week later i needed to book another ticket and decided to check out the IRCTC app again. This time there was no paytm charge mention. So I thought they finally came clean. The total amount was 1080 on the final page. But on the verified by visa 2FA page the amount was now 1102. Just like that. So they decided to not even openly reveal the charge and instead silently add it on the VFV page thinking most people won't notice.
Bottom line is the govt, indian railway, banks, paytm, they're all in cahoots, ripping off the public bit by bit. India's biggest asset is it's huge population, so why not use that to their benefit, instead of targeting the 1%?