Originally PAY THROUGH MOBILE app to PAYTM app was a revolutionary idea.It changed the way of online marketing and banking.I being a user of PAYTM can provide you with the right amount of information about this app/site through my experience.First of all it is the best in terms of online transaction no one can beat it, second is that it is very user friendly and easy to understand even a LAYMAN can use it .Good customer service I have never faced any problem.It is fast and realiable than your girlfriend.Another feature of PAYTM is e commercce buisness which is really pain, it offerss great discounts but no proper timing of delivery, poor quality products as if it was a roadside item.It is the only problem here otherwise you can bet on it with your eyes closed.