I am using this apps since last one month. The concept of Paytm is really very impressive. It has really taken the need of every common man into account while designing the apps. Lay out of the apps is user friendly and easy to understand. Design is also attractive. About the features provided with apps are very useful and easy to use. For payment, Scanning as well as entering the mobile number is really a good alternative provided on with the apps. Since I downloaded the apps I introduced so may small merchant owners and my friends to use Paytm. Even pan stall owner, small tea stalls owners are using this most effectively. The feature of payment by dialing a toll free number is a amazing innovation which will help the users who do not use internet.