HELLO MY FRIEND I AM BHARAT USING PAYTM SINCE ONE YEAR .THE PAYTM IS VERY HELP FULL IN TRANSACTION OF MONEY WITH ZERO(0) COST YOU CAN ADD MONEY AND MONEY BY USING ANY CREDIT AND DEBIT ALSO THROUGH NETBANKING AND CAN BE TRASFERED TO ANY ACCOUNT BY USING IFSC CODE OF YOUR BANK WITH NO COST AND CAN BE EARN MONEY THROUGH IT AND ALSO CASH BACK CAN BE TRANSFERED TO YOUR BANK BY PAYING THROUGH PAYTM AND CAN BE EARN MONEY ONLINE