If the Now instant payment fails, that amount will move right back to your Available Balance. You will see an Error message displayed in the PAYTM explaining why the payment to the selected debit card failed. Please review the message and take the necessary action to resolve the error. In some instances, you will be prompted to contact your bank. You may do so by calling the 1-800 number on the back of the debit card. If you are not able to resolve the error, you can elect to receive your earnings as a next-business day payment instead, or, try entering a different debit card.