Pay tm is a online wallet applicable in only india it has also shopping mall I ordered a dress material in pay tm but its quality is not much high as its rate is 545? with delivery charge and paytm wallet is helpful to transfer money to all and also dth current bill so, it looks interesting and also they give us cash back of 300 on shopping so, I like it and I recommend it to you all use PAYTM. you can transfer payment of PAYTM to bank account also but it takes 2% of our transfer amount. ypu also find some discount but dont believe it. paytm helps to escape from change problems so use paytm. where do get cash back of this much so use and let use paytm