I downloaded this app only after demonetization came into effect as there were huge shortage of cash money and after the decision I could see most of the shops and cafes started allowing Paytm so I did too, after using this I am very happy as there is no tension to carry huge amount of cash with you and after paying you also get cash back and it offers discounts in many things. Paytm can be used to buy movie tickets, train tickets, flight tickets, bus tickets etc. one can shop many things it has covered almost everything and the best thing about Paytm one can pay without internet also that is such a relief. Right now I am enjoying the benefits I am having and helping old age people and uneducated people to understand this app so they use it. I urge all people to help others so they also can get benefited.