Couple of my friends works with Patym. Though I use it too for my day to day trnsactions. Almost every one is going cashless today. Its seems to have an application like Paytm. But its have some limitaions like use have a limit of ₹ 20000 a month, but rumor that, paytm planning to upgrade it to ₹ 50, 000 a month. Not only that bit you can upgarade it VIP account for free by submitting your documentation to paytm. Ask there customer support and ask them for free upgradation, someone from there team will come to your place to collect the Docs and after some paper work they do, Paytm will upgrde your account to VIP. And only that as we all know its an e- commerce website too. And apart from that it provides many more services i.e recahrge you sim operater, VC cards, booking movie tickets, bus tickets booking and much more.