I was afaird to link my bank account with any website but when I used paytm first time. I saw it is totally safe. I can do anything through paytm. I can do shopping, transfer money, recharge mobiles, bills pay, book flight or train much more. It is totally safe and secure. Mostly I used to recharge and send money. So time I used to do shopping through paytm. The product and qulity is genuine original as well. They delivered within 5 to 8 days that’s ok. Though they provide apps which is easy to use. India is going for cashless society. So you can also use paytm. Everything is inside your phone.