I am usong paytm from last 1 years my experiance is much batter with paytm.
Paytm provide us batter assistance.
Paytm make more things easy like mobile recharges, paying insurance , KYC , bill payments , sending or reciving money or lots more.
Before we were use different sites for paying different bills which was very lenthy.
But now we can do all those things in judt one app