Paytm Payments Bank transitions users to other banks following RBI guidelines. Paytm Fastag users can still pay at toll plazas with existing balance. Refund recommended due to non-transferrable nature post NHAI’s removal from Fastag issuers list. Considering, RBI has banned Paytm Payments Bank from accepting deposits, there’s no way to top-up the Paytm-issued Fastags.