I am using this app since from 2 years it is a good app for payment and shopping, recharging etc.
It is secured and no problem when doing payment to others and transfering money from bank to pay tm wallet and also from paytm to bank but they cut off 4% charges from transfering money from paytm to bank.
Here we can recharge our mobiles and our setup box, gas etc for all of this we can get a cash back offers it is good to pay from here no risk and on shoping also there are good products that we can buy I bought some products it was good product in quality and as well as also quantity.
So it is secured and good app for payments and recharging and shopping.