PAY TM IS VERY USEFUL ALLOVER TH INDIA. DURING DEMONETIZATION IT HAS HELPED AND GROWN A LOT. BUT THE THING IN PAY TM WHICH IRRITATES ME IS THE SPEED OF MOBILE APP. IT TAKES TOO LONG TO RESPOND. I KEEP ON WAITING AT SHOPS AND PETROL PUMPS FOR PAYING MONEY BUT THE SPEED WASTES A LOT OF TIME. THE CONCEPT IS GOOD ENOUGH. LAY OUT AND DESIGN IS VERY GOOD AS IT WAS HANDCRAFTED IN INDIA. FEATURES AND FUNCTIONS ARE DESIGNED WELL BUT SOMETIME IT PAYS WITHOUT ENTERING PROMO CODE. IT DID NOT HELPED ME TO GET CASH BACK MANY TIME VIA PROMO CODE. I DON’T SUGGEST IT.