If money was taken from your payment source (Bank, Card) because of a failed Paytm transaction, but the refund hasn't appeared, follow these steps to resolve the issue:

• Confirm Status: Check your Paytm Passbook or Bank Statement to ensure the transaction status is marked as 'Failed' or 'Pending Reversal' in Paytm's record.

• Wait for Processing: Automatic refunds usually take 3 to 7 business days to complete. Keep in mind that weekends and holidays can cause slight processing delays.

• Raise a Complaint (After Waiting): If 7 business days have passed with no refund:

  • Go to your Paytm Passbook or My Orders section (under Profile).
  • Locate that specific failed transaction.
  • Tap on the transaction details and select 'Help' or 'Raise a Complaint' to formally track the missing amount.