I have been using this app for four year. it’s best secure app for transition . I use this app to taking money from anyone but I rarely use this app for recharge because this app don’t give cashback most of time. that’s why I don’t prefer this app for recharge . I prefer freecharge for recharge. But I love security features of this app. that’s why I created my Paytm payment bank account. I like one other feature of this app that you can send anyone even if he has not paytm wallet but he has any other wallet or upi Id .