Pay Tm is a useful application for transaction . It is easy to use . If you have a smart phone, Download and install the application . Now it is ready to use. In notebandi I learn about Pay Tm. my students are worried about to pay my fees. Then I use Pay TM and the problem is solved. But some students do not have account in bank. Their parrents dont have any type of account . So Pay TM was useless for them.
Approx one bank account is necessary.
If you have a bank account, smart phone, so the payment is very easy. Scan QR code of and send the payment to anyone. In my coaching institute some students pay me by Pay TM. I am happy to recieve the payment.
In the beginning Pay TM does not take any charge for the transaction. But nowadayas it takes some charges.
When we pay electricity bill it gives us some cash back .
So it is a useful application for those who are master in net. A general person is confused whether the money is transfer or not.
Thanks