I have selected payumoney because I was advised to create an account with this site by my new online employer 5dollargem.com which is a CROWDFUNDING PLATFORM, lauched in India, singapore and U S by ONLINESENSOR.COM, A U S, I T COMPANY.
As per my experience with this site for the last 6 months it is very userfriendly and efficient, the only drawback is that I cannot transfer money to other company’s digital wallet or to another friend who is not a payumoney user.
Online transfer from member to member and also to bank account is very fast and efficient, that is member to member transfer is instant, where as bank transfer takes 15 days and a 10% charge also, in the case of member to member transfer it is absolutely free.