Paytm App also allowed users to send or request money via phone number. This was be far the most used feature and simplest. You just have to enter the phone number of other user (you can pick from contacts too), Enter amount and then based on your feature (Send or Request) operation took place.
There were few important caviar though, like
We also introduced this feature with chat in Paytm. Where you can chat and send or request money.
This feature is so common now that people have made it synonym to sending or requesting money.
I hear people say “Dude Paytm me the balance”, and I smile.