Paytm is the best app that I came around, help you travell cashless anywer you want, using paytm I did not worry for giving change whn I purchase anythng from a retailer. Its quick easy to transfer, one thing is when we try to transfer the money from paytm wallet to bank account they charge some amount of fees . I dont know y they chare that fee fee amount keep increasing as u increse the amount which m sending to bank. But transactions are too fast they never delay any transaction due to any of the problems