Mobile wallet apps work on a simple methodology. After you install the respective e-wallet app on your phone, the home screen prompts you to create a user account. The device detects automatically for the associated mobile number and email id that you have entered and validates your user account. Now you have to add your bank account details to the app, which will be validated through a one-time password that you will receive on the registered mobile number with your bank.
Now your bank account successfully gets registered with the app and every time you make a purchase, the payment is debited from your account with approving the OTP generated by your bank. Immediately after the amount is debited, you will receive a message from your bank stating that XXXX amount has been debited from your account towards YYYY, and this will help you confirm the exact amount of transactions done.