I have been using Paytm since 2 years and I have seen it as a very handy application for paying bills online and money transactions. Paytm has a very user friendly environment and it is very easy to navigate through all the options. I pay all mobile and electricity bills using the Paytm app. It is also very helpful for booking cabs, trains and flight tickets. The transactions are secure. The transactions can be done by a number of banks using various transaction methods such as UPI, debit card credit card or net banking. It also has a Paytm mall by which you can buy various things. Paytm is a must have app for everyone.