I am using paytm and its app from about one year I am only using this for paying electricity bill mobile recharge water bill and other services like booking movie ticket and railway ticket also Paytm is also offering online products such as mobile phones and other products like clothes grocery etc. It is also helpful is transfering money from one account to other you can add money to your paytm wallet from your debit card other other banking system It is a good platforn and you cam recharge your balance within seconds with the help of paytm it also provide cashback upto 100% sometimes