Paytm is most trusted and it allow you to access all the things which can be done online from online recharge, bill payment, dth recharge, utility bill, data card, metro card recharge, online shopping and lots more.It is the best app for making india cashless. It is very easy to use, just needed a mobile and a sim card thats it. I had experience with paytm and I found problem just call customer care and quickly get out from those problems.