Now a days we use online transactions don, t want to count cash, so in the way we use paytm.I enjoy the app because not more document was need to normaly use in earlier days. In the present time also u open your paytm account normally compare to other payment bank, u may use softly, soft transaction in receiving and sendind.everywhere paytm is available, either QR code or simple mobile no to do digital transaction. Very useful for everyone. I like much.little problem is everywhere but paytm is good.