Paytm is fastly going to top.It is very usefull software for payments and bills pay.It is very simple to use.first we have to make new account for start transactions.Software provides mobile bills, electric bills, online shoping and many other pay options like delhi metro, cinemas etc. It is very usefull app for paying bills and recieving money.app layout and design is very good and use full option is passbook option.we can work for all bill payments in this app.this app is free of cost.And usefull app