Hello,
I am using the paytm since one year. it is a so user friendly concepts. paytm app Layout and design is very good. This wallet is very safe rather then other wallet. This wallet is not hack-able because every transactions completed by the OTP on your Mobile and its is safe on online. Its has a quick and fast rather than other wallet. This app work is so good and so far. Its is a million time better than other services who transfer the money into bank. In Paytm you can also pay your electricity bills dist TV bills mobile bills or recharge or ect