Paytm is a really useful app for payment and adding money sometimes it really creates problem like transferring from bank and for adding money and not respond when Internet connection is little bit slower and when it is not updated but helps very effectively when it is connected with a good network and updated it is really easy to use my parents also can handle it and is really easy to pay money to shopkeepers and no need to worry about change and anything and money transfer from bank account to account is also very easy.