Its a good app for easy money payment and online shopping it is usefull for earning money its is very helpfull for bill payments like electricity , dth, products, flight, bus and car services like uber all types of bill can be paid with paytm after 3years all the money paying services can be only done with paytm its going to be number one app which wil be available in everyones phone its the new technology of pepoles which reduces the work and stress of bill paying .the concept of the app is simple any fresher can understand easily the features and the facility there is no cheating in this app this app is 100 % safe and reliable I use paytm for almost 3 years from now I feel so safe and secure in handling money