I have been using this app for a year.i like the simple functionality of this app.the transactions gets only one second wait, and its done.
the recharge and payment process is very fast.
there is so many options to recharge and payments like .
mobile prepaid.
postpaid.
3.bank transfer
4.electricity
5.gas.
6.landline
7.DTH.
8.metro
9.loan
10.petrol
11.challan
12.shopping
and many more.
only one thing is sad, this charges 4 rupees to transferring 100rupees to the bank.
overall PAYTM is very fast and trusted digital bank.
thank you.