This is to Warn everyone from using Paymaya as a source of their trusted medium of transaction. Because, plenty of users are now complaining about their service and is now calling Paymaya a SCAM.
The app experiences failure in transactions (loads & pay bills) and transfer of money. Users are demanding to have their cash back because even the transaction failed, a deduction in the cash balance is resulted. Paymaya, however, did not see this as a serious matter even though there are alot of users who reported such errors.
It is obvious that Paymaya has no clue of what is happening on their system. And the concerns that users raised were just given a minimal attention. By this, the service may look like a scam.