Actually paytm is a app which helps you to pay online without a credit card or any other details also it is helpful when you are out of cash at that time and want to buy something or in an emergency you can use patym money and pay also you can buy product like you buy on online sites and the products have the best deals also you can pay your lightbills or flight tickets or train tickets. Its a great app.
once I buyed a product from ebay and cod was not available so I paid using paytm. but the product was broken so I returned the product and got all my money back on paytm . hence I think it is a great app and an on the go app