Paytm

Paytm is at its best as an all-in-one Indian payments app, especially for UPI transfers, mobile recharges, bill payments and merchant QR payments. By our assessment, the strength is breadth: it tries to put everyday money tasks, wallets, tickets and shopping into one place, so it is familiar to millions of users in India. That breadth comes with clutter, because the app can feel busy and the financial parts are only one piece of a much larger bundle. In practice it is the kind of service people open quickly, pay, and move on, which is exactly why it became so common. Compared with a bank app, it is more consumer-facing and more layered; compared with a pure wallet, it does far more than store value. Paytm is based in India.