I mostly prefer net banking becoz im not much interested in such apps originally. My brother forced me to install this app.
When once I used the app liked it n using paytm app for my payments every time. Recharge with paytm was really an easy and preferable. Everyone can use it n make fast payment. Not only for payments it can be much used in shopping. Voucher codes also getting applicable.
Only one negative is he is recomending physical verification if aadhar card .
Aadhar card verification through net was really good thing that everyone can do in fraction of time. For this physical verification of aadhar they are alloting centres which in my town but im staying in another town.
It was a little difficult task for those who stays in villages n other places. Please continue with online verification of aadhar .