Paytm an online wallet which is I think one of the most used application for the transactions.which has become more popular after Modis effect on blackmoney and digital transaction.
I personally use it for recharging phone, dish tv, paying bills, n transfering money & also to shop online, book movie tickets
it is very as till now I have not faced any issue.it aslo offers exciting offer related to cashback which seems to be quite attractive and ofcourse everbody like to get discount which paytm offers most of the time in cashback.
its layout & functiona are quite easy for the new beginer too
with this app now you dont even have to carry your wallet to everywhere just link paytm with your bank account and pay the bills within seconds.no need to ask for change from the shopkeeper or at restaurants
It is very safe