Now a days ptm is going to be popular at everywhere.My frnd recommend me to use this app and honestly saying this is the most useful app now.You don’t need do anything to transfer money the thing you need is quad scan the most easiest way to transfer money.Ptm also gives some gifts cards promo code for some money which is the good point.You can also use ptm as for online shopping but I don’t thing ptm is good app for shopping becoz prices of products were high in some other website it offer similar product at a low price .soo for transferring money ptm is good but for online shopping ptm is not good at all.