Am personaly using paytmfrom last 4 month and I loved this app I have no bad experience with it .it concept is very good and very easy to use it helped us when P.M Narendar modi ji banned 500 and 1000 rs note. as most off people used this app to pay others. And now a days paytm is very much popular all over india every shopkeeper is using it it mae life easy we can pay bill recharge our phone an all from home thats simple