I'm using this app from last two years. I also used some others app. But I found paytm app most most user fraindly payment cum shopping app. Very easy send money or get money from others and it is 100% secure from misuse of your wallet. You can very easily add money to your paytm wallet and send money to bank account of yourself or others accounts. On other hand it is a very good shopping app with International quality product with low price for those people who love online shopping. you can book a movie or train ticket very first and easily with out making line at the counter.
I trust on paytm 100% and I love paytm.