I am using paytm for my lot of transactions, you just imagine I only carry cash to bring goods other all work is done through paytm .It is a very good app .Paytm gives much offers and I just love to recharge with paytm.Once I gave payment of a chayavanprash with my paytm wallet to the shopkeeper because I haven’t cash in my pocket so thats time I will think just only because of paytm our India will become a cash less country like sweedon