Paytm is one of the largest online retailer store. it in you can recharge your mobile, pay your electricity bills and also they are giving huge cashback on purchases.
no more you have to wait in the que.
you can also transfer money from one account to other means you can also use it as a mobile wallet. you can load your money via credit card, debit card, netbanking.they are not charging anything extra for the services they are offered.