Now a days its very simple to pay money to at every shopping without searching for ATM’s all the time I was using paytm from a long back.
In that moment its was just wanted to pay bills and recharging don’t know how to make the use of its but from November when notes where banned we where struggling so much to exchange or draw the money from ATMS from there paytm was very useful from the its was so much useful for going cashless.
Its quite quick.