I personally use paytm since 1 year no glitches not even a sigle problem in payment transfer the most wonderful thing is it is used widely on any shopping website most of the people in india use paytm fast trasfer of money without any hazel and the app is user friendly the most important thing is it is a very safe for your daily transaction u can pay bills techarge , taxes etc it has so much to offer we can also shop on paytm mall even u can become seller on it paytm is widly used after paypal