Using paytm from 2013 and I have great experience with paytm wallet.Very nice user interface #Quik and easy to use#instant recharge, bill pay #Instant bank transfer#instant money transfer to other mobile number#Instant add funds to paytm#Coupen , code and deals#product to shop #very good customer service immediate reply #Max 24 hour refund# Easy account and card adding interface#Safe and secure#Highly recomended as its going to be your virtual bank in future