After 8 November it is necessary to have some in your mobile so you can pay your payments easily, and after this note ban paytm emerge as a messiah for all population of India because it is not possible to pay small amount bills at like dhaba where you eat, pan shop, grocery shops etc.
After downloading it is easy to use, just transfer the amount in your paytm wallet and you are free to pay your bills, one can pay electricity bills, dtc bills, mobile recharge, movie ticket, you name it and it is ready for any services and people from all the shops are now accepting paytm.
One most important thing is that if you do not have internet/data plan in your mobile you do not need to worry, you just have to scan the code, or insert the mobile number of which you have to pay the amount. Only thing I am concerned about is that, they have per day limit of Rs. 5000/- beyond this limit, you can not pay to the same mobile no., you will have to pay to another number, everything else is awesome, now no need to worry about pickpockets.