I am using paytm wallet service since last 4 years. the most specific and real thing I am going to tell you that its facillity is very attractive .one new user can easily understand how to used it because it is so simple. other many e-wallet service I used which takes a time to understand. although its design slightly needs to be developed but overall its good . actually trust me guys its main feature is it so gently once your transaction is failed it immidiately returns money to your wallet. in my view it is very usefull if you want your security in online transaction. enjoy guys