Paytm is very good useful application
no need to carry physical money
using wallet you can shop everywere.
it is available in small kirana store, available at barber shop, vegetable shop, fuel station, even tea stall also. etc
you can book movie, theater show, shop online, etc
very fast recharge with less dispute
if any error happen during transactions don, t worry for your money, just write to him they will return your money in paytm waller