Its the best online wallet till date. Adding money is easy, paying is easy, and the best part is you can transfer money to bank accounts including the cashbacks which you get unlike other wallets like Freecharge, Mobikwik etc. which doesn’t allows users to send the cashback amounts to her/his bank accounts. It is widely spread and very easy to use. Moreover they don’t even charge any service fee for sending amount to bank account. The only thing which Paymt lacks is the virtual debit card option. If they include this option it will be excellent. The customer support is also very responsive and you will hardly face any issues with your transactions made with Paytm. Only one more thing I expect from Paytm and that is a virtual debit card option.