I've been using the paytm app for quite a while now. The app is quick and easy to use with good offer coupons and cashback offers. Getting the aadhaar verification done is quite tedious but otherwise the app is great overall.
You can also link your bank account to make direct transactions. Other main features include Movie tickets, mobile recharge, dth recharge, electricity bills, train tickets, bus tickets, shopping, metro tickets, etc.
You can also make payments directly from the app and adding money to your wallet is very simple and you can also store your card details from future transactions.
As paytm keep adding more features, it will become a bit clunky but with the way they are managing the app and the servers, it seems pretty great. Overall it's a great experience and the number of users will keep increasing just as the vendors/businesses listing paytm as a mode of payment has increased.
If you don't have it then I recommend to get on the app especially if you don't like carrying around a lot of cash as it comes very handy.