Paytm is very very secure to transfer money, recharge with a lot of promo codes which give so much profit to the user.
I am using paytm from a year I am big fan of it.I will pay electricity bill, pay mobile bills, recharges, and book bus etc.
It also give opportunity to sale products. Retailers make their account and sale their product on paytm. But sometime product quality are not good. It a good app must download .