Hello, Paytm is very good app for fast and safe transaction. That there is a problem that they have only 20000 limit in a month but that is enough for the Paytm transaction because in India we have not using the this app too much so there is no problem in this because you have apps and other apps also for transaction that we can store money like Paypal Samsung money etc. It is very fast we can transfer money by number and something like code scan it is very fast and they save a record also for proof recommended you to use this app because I have seen that many people are using this app and only 1% have problems in app but I have not seen any problem.