It is an e-wallate application. It is best and lovely application. There are many e-wallate application like mobowike but it is better then other. There are competion between paypal and paytm. I thing paypal is better than paytm.There for I rate it foure stare. Paytm has many feature like online shopping, electicity bill payment, mobile recharge e.t.c. I love this applications and also paypal. Thanks for read.