Paytm. A well known app and website now a days after demonitization in india . Paytm makes the work of so many people so easy. Paytm gives above average customer service to us because this app don’t solve ur issue rapidly or easily . The quality of the product delivers by paytm is good as I had buyed some products from paytm. Delivery time is also above average because they usually take 4-5 days to deliver a product. Apps and website is good according to me. Paytm is not completely reliable because sometimes ur fund transfer get stuck . So paytm is averagely reliable .