I used paytm wallet 3years, paytm wallet easy to used bill payment and recharge good, I mostly used money transfer in my bank account easy to transfer, the money was credit my bank account Maximum 10 minutes credit my account, but transaction fees other wallet compare better fees, the wallet was easy to design and good concept eady to use, paytm layout is good discount was users providing the paytm and layout was improve to the design and simple easy use, I love transaction wallet paytm