Paytm business app specially designed for business payments where you can recieve payments from customers directly in your bank account .the app features is very limited there are four tabs home , payments, transfers .home tab provides quick look to your last recieved payments and bank trnsfers payments tab shows payments you recieved , bank transfers shows total transactions which has been completed to your bank account .you can recieve money by giving qr code to customers .there is no charge of recieving money from customers but they transfer money after one day this should be fixed money transfer should be instant to bank