Paytm, it is the best virtual wallet I have used till now.It is wallet in which the money from the account gets instantly transfered form the bank account.All transactions are done instantly.it is best platform which provides great offers like cashbacks, freemovie tickets, discount.In this wallet we are not only able to recharge mobile but able to pay bills.we are able to book flight tickets and hotel bookings.We can also buy this from this app which provides huge discount and it is very easy to use