-The first app I have used for payment is paytm. trust me it is a good app while demonetization patm used by most of the people. It is easy to use.
-Layout and Desig= paytm has its unique design and layout. Name and its colour is good
-Feature= paytm gives you all type of control. you can pay any type of bill. I personally ued this app for mobile recharge but one thing I dont like that it does not sport jio recharge and its show Vodafone number and reacharged the number after recharge wrong number pay back your money. but why paytm deduct money when it is not jio number. I think paytm think on this matter
-usefulness= paytm is very usefull app. no problem of taking money all the time. use this.