PAYTM is a good application which works both in mobiles as well as laptops . It works really useful for those who want to pay instant electricity bills, mobile recharge(postpaid and prepaid), for online shopping, booking your air tickets and lot more. The good point is that you get lot of cash backs and reward points which you can use as cash . I personally feel that paytm is secure and safe in terms of transactions . Till date I hvnt personally faced any problems in terms of transactions with paytm . It is really simple to use . It offers special discounts whenever you do online shopping with paytm.