As I am using paytm from long time .initially days I found paytm a worst one but as I use for more and more purpose I came to know paytm is the best .I found paytm best due to
1.Cashback offers
2.Easy to transfer money
3.its availability
4.For bill payments
5.for ordering
6.Security reasons
7.Easy to add money
8.Its connection from most branded to lower one
9.Help in taking ride with some cash back
So just use the paytm make your life jinghalala.As from my personal experience what I feel I just wrote here. so from my opinion just use it once u feel everything will be fine no security issues and no complexity .must easier to use