I am using paytm for more than 1 year and I have a great experience with it . It always delievers my transactions on time and never dissappoints me.I have made atleast rs 5000 transactions from paytm and iam very happy from this app. Everyone has its own openion about the app but my opinion is that this app is a very useful app and is very useful for recharged and much more. love paytm.