Its been a year that I have been using paytm and.it is one of the most convenient aap I have ever seen. Online bill payment recharge money transfer has become so convenient .we can transfer money to other person within a fraction of second. Infcat money transfer to other bank account is also made very convenient . At the time of demonitisation paytm had stand out to be so convenient and beneficial .infcat we can also.do online shopping .as well