paytm is an online application which is available for both mobile phones and laptops.
you can use patym many things such as mobile bill payments, plane, train, bus tickets booking and when you use patym you will also get reward points which you can use as cash.
you can directly link your account and debit/credit cards with your paytm account and use them to pay bill very easly in simple step.
with paytm your money is safe and you can use it where ever you want.