I am using paytm app since one year for Mobile recharge and utility bills. It is user friendly and you can get cash back for some transactions. Recently they introduced Mobile Paytm bank.One of the best online transaction service. You can do shopping also. App and website also good. Easy to sending and receiving money through app, now a days you can use it on small vendors also they have scan code you simply scan that will deduct money from your wallet, keep in mind you have to maintain balance. Simple and Incredible. Paytm karo bayya