This application software is basically a platform to make each and every payments without diclosing any bank details to any fraudulant website.This app creates a wallet using money from your bank and by using that wallet you can spend on anything which paytm offers.I love the layout and design of this app, it is very user friendly, In this app you can pay your bills, send or receive money, purchase electronic fashion and all other products which are availableon any other website.This app supports the agenda of cashless transaction by modi and inthis app if you pay by wallet and avoid using cod option you can get lots of benefits.