I am using paytm app it provides many services like recharge mobile dth , travel services online purchasing paying electricity bill and newly introduced upi transactions which is powered by bhim you can add your bank account and directly transfer money through paytm app to someone , I found paytm is slow while recharging or transferring money the round ring rolls for long time even sometime around 5 minutes , many times upi transaction was failed and money deducted from your account which returns in 48 hours .the app has many services so it is not easy to understand its interface for new user . other features like online purchase is costly as compare to other online stores and many bad experience was happened while purchasing from it.