[xwdv]

This is what makes the lie more potent. It’s based on a kernel of truth, and because it reinforces beliefs, you can easily believe a Paytm employee acted negligently, with no more evidence than an anecdote.

[hgsgm]

Doesn't really matter, because unless PayTM proves it's impossible, someone is doing it. Do they have an external auditor report?

[rvnx]

It could totally be just a competitor of PayTM coming here trying to spread lies ¯\ (ツ) /¯

The requirement of proof is the other way around:

If PayTM decides to sue the owner of the comment, it would be the owner of the comment to prove what he is saying.