Paytm is a very popular online money transfer app and more rateing point, in any individule bank account you can easily transfer money online.there is also the facillity of the barcoad and mobile no.any shopkeeper or individual has the money can you pay also Electricity bill, phone bill etc.you can purchase anything online.search in google use bar coad you can earn money too, use paytm and help for grow online transaction.
thanks