I have mixed review for paytm. For online payment transections it is really good however if it comes to shopping it is not worth. The quality of products as well as variety is not as great as flipkart, mynta or jabong or amazon but this app has really started the trend of digitization. We can make online transection via paytm anywhere, anytime through paytm wallet. Even there is option to transer money from paytm wallet to your respective bank account. It is really good move towards digitization