Ok so I have been using PAYTM now for a year and I think that is a good app for them who do a lot of bill payments. this app offers a lot for the bill payments as the app was ment to be. so there area lot of apps out there who will claim that if you recharge somethis through thei website or app they will offer you a cashback or some vouchers, nut in my opinion almost every app out there is fake as I have been using this app for so long as I have written it about I know that this app will definately give me something or the outher. this app has a wallet option wherein you can withdraw money from you bank acc and kepp it safe in you paytm wallet the money in the paytm wallet can be used for the online transaction or bill payments. ok so moving to the layout and design of this app is easily use able by any person.the features of this app are that for a transaction you get some cashback or some thing or the other always.so finally saying that this app is very much useful for the people who does a lot of online transaction as this app will always give you something or the other always.