I use this app before demonetisation its a good app.
You can do IMPS any time with this app or without any extra charges. Its help me alot during the period of demonetisation. Its customer services is not so good because if you have any problem or any query you can’t talk with customer care you can only do chat in email. And yeah please read or terms and conditions first because recently I transfered my paytm money to bank account but by mistake I entered a wrong account number and transfered. When I talked to paytm they said we can not do anything its your mistake.