Well, we are talking about the what is/are tye best app to deal with online transactions than I will definitly sugguest you to go with paytm.
I am using paytm from the pasr two years. The whole experience was and is good. But one thing I do not like that is they charge too many if user want to withdraw his amount in bank if user is not registered with his adhar card. I mean how can charge a big amount. I just used this service once and never use again because I do not want to pay a big amount every time. Instead I use that amount to further.
Overall, it is an nice app if you submit your adhar card. It helps me a lot at time of demonatisation. ??