For me paytm app is a life saver in the tume of demonisation.in india where everyone was veey disturbed with the band of 500 and 1000 old currency the paytm was the only app to help the people to fight for the situation.the app contain all the facilities of spending money in daily usage.with the help of it I used to buy food.it also have the facility of bill payment.and the most important thing is that it give huge cashbacks.in other hand paytm also have the facility of online shopping, and the product are cheap and good.overall it is the best online payment app for all time.