It is not only a application, it is a revolution in India. My experience with paytm are very good for any types of payment like electric bill, gas bill and municipal bill etc I can pay very easily, on the other hand for any types of booking like flight, movie and railways etc tickets booking through paytm are very much easy and I also expect cash back from paytm and maximum time paytm fulfill my expectation. Bank to bank money transfer through UPI is good but if any problem in server their refundable process are take much time, maybe it will be take 2 or 3 or 4 days also I think this process can be faster and also their customer care service needs some improvement, Although they doing well but it can be more efficient. Paytm other services like paytm payment bank and paytm digital debit card are very usefull and services also good. I think paytm is very good network for any types of payment and booking maybe they need some improvement like I mention earlier but their overall services are awesome.