Paytm is an app where you can do online activities like shopping, recharge, paying bills and more. And also you can use it as a vurtual wallet. This app is accepted now in each and everywhere. You can pay money to anyone with this app.
It is a secure and trust worthy app. I have been using this app over a year and I have no issues with it till date. Most of the shops, cabs, restaurants etc are accepting paytm. So if you go shopping or eating and you don't want to carry cash then you can use paytm. It is secure to use so no worries. Overall paytm is the best virtual wallet app.