I'm using postpaid amount for more than a month now. You can use it to pay Landline/Broadband bills, Electricity bills, Mobile recharge, products on paytm mall etc., I used the amount in all of the above listYou can't use it like a wallet amount
tbh. the only place where i would want to use it is at retail outlets. when i have to make a small payment of 10-20 rupees and i do not even have that much balance and i do not to use upi or my credit card. for larger payments like bills, i would rather use my credit card than take a loan from paytm with the stupid limits.
For small and regular payments you can use Auto load facility to load your wallet with Paytm Automatic using your Credit card. ICICI & HDFC debit cards are also accepted.
Eg. If your balance goes below 100 INR it will automatically load the money(say 100 INR) to the Paytm wallet without OTP & PIN
that's the thing. i do not want auto reload. i do not want paytm to have the ability to take out funds from my account automatically.
this new feature made a lot of sense for my usage. i try to keep my paytm balance under 1000. i pay cash to a local guy and he adds money to my wallet. i finish it up in a couple of days. if postpaid was usable at retail stores, it would just have given me some added buffer to make small payments at retail outlets when i run out of wallet funds. this way i can basically continue using paytm as desired and use postpaid as a backup. now i have to revert to cash if i am short of wallet funds.