I have been using Paytm after demonetization and move towards digital India. A very good app for cashless transactions. Ever since I started using this app, I liked it and I use it almost everyday. Be it to buy groceries at store or vegetables or paying bills. Paytm provides a lot of options. Many stores have started using the service for ease of customers and accepting payments. I even paid for carpenter services using Paytm. We can transfer mone. to friends, family and can even transfer amount to bank account and it is transfered immediately. I never had any or faced any issues with this service. We also get cashback for for making payments using scan. This is very good as we get some amount back. Good offers on shopping. Overall a good to have app