I am using paytm since 2014. So I have 4 years of experience in paytm. so I am going to give you the honest review about paytm.
The design of paytm app is really good. in the beginning of paytm company they have a really bad design but now they completely changed their design. now you can send money, receive money, recharge, shopping anything you want related to money. I mostly use paytm for recharge and for shopping.
Paytm is really very easy to use and its relaible.