When it comes to pay money from your mobile in seconds is something what I feel easy is the Paytm wallet.You can pay bills, do recharge, refill you metro & the best thing is to transfer the money from credit card to debit card by adding into the wallet.
Life is easy these days because I usually do not keep cash into my pockets all I keep is adding on money & transfer to the person whom I need to which feels like relaxing.The app is desinged like that there is no confusion where your money is going and the service is too good man.