Pay tm app is the best app to make or receive payments. It allows you to make payments to different accounts separately like electricity bill, phone bill, water bill, movie tickets.If you make payment through paytm then it also gives you a certain percentage of refunds back. I am using this app from last 1 year and had earned lot of refunds.Instead of making payment from credit cards use this app. It also allows you to purchase product online at very low prices than other shopping apps. It had wide range of products. So please try this app.???
