online payment essay

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Top 10 Advantages and Disadvantages of Online Payments

   4th January 2024 14 Comments

Table of Contents

• 1 What Are Online Payments?
• 2.1 Tips to follow while making online payments
• 3.1 1. Speed of transactions
• 3.2 2. Convenience 
• 3.3 3. Reaching global audience
• 3.4 4. Low transaction costs
• 3.5 5. Quick and easy setup
• 3.6 6. Variety of payment choices
• 3.7 7. Availability of more distribution channels
• 3.8 8. Easy management
• 3.9 9. Better customer experience
• 3.10 10. Recurring payment capabilities
• 4.1 1. Technical problems
• 4.2 2. Password threats
• 4.3 3. Cost of fraud
• 4.4 4. Security Concerns
• 4.5 5. Technological illiteracy
• 4.6 6. Limitations on amount and time
• 4.7 7.Service fees and other additional costs
• 4.8 8. Disputed transactions
• 4.9 9. Loss of smart cards
• 4.10 10. False identity
• 5 Conclusion

The very purpose of setting up a business is to make profits. And the whole idea of making profits is possible only if your business offers its customers the ability to make payments. With technological advancements in recent years, online payments have become an inseparable part of the e-commerce industry. And, why wouldn’t they, considering the many benefits that come with online payment features. 

While the concept of online payments isn’t entirely new, the COVID-19 pandemic has only accelerated the use of online payment methods like credit/debit cards, UPI, and mobile banking across the globe, but especially in India. As more and more businesses adopt online payment gateways in their portals, the importance of these e-payment services is increasingly becoming more of a necessity for both vendors and customers.

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What Are Online Payments?

Payments made over the internet are generally classified under ‘online payments’. These payments are done while purchasing products or availing any services, both online or offline. Online payments can either be one-off payments (like a purchase from Amazon) or recurring payments (like subscribing to Netflix). Some of the common methods of online payment include

• Bank transfers
• Digital wallets like PayPal or Google Pay
• Online credit/debit cards
• QR Codes / UPI

How Do Online Payments Work?

Here’s a very basic and also the most common model of how online payments usually work:

• A customer places an order on the merchant’s website
• The payment gateway gathers all the required data and information needed for the transaction to take place
• The data is then forwarded to the financial institution or the credit card company
• This is further transferred to the customer’s card company
• The bank then confirms the transaction and informs the merchant
• Finally, the merchant sends a confirmation message to the customer saying that they have received the payment

Check out:- The New Rbi Monetary Policy Guidelines 2022

Tips to follow while making online payments

Though online payments seem highly convenient and safe, there are a few things you need to be careful of, given the increased fraudulent happenings.

• Do not save card details: Most of us prefer to save our card details on our smartphones or other devices to avoid entering them every single time. But this is not advisable as it can be used for wrong purposes in cases of theft. Always make sure to erase your card details after every use.
• Never share your passwords: As cliche as it sounds, it is very important to follow this advice. Don’t share your passwords with anyone, and keep changing them regularly so that you don’t fall prey to hackers or any other cyber criminals. Have a strong password and enable the OTP feature to ensure maximum security.
• Avoid using public WiFi networks: No matter how much of a hurry you are in, you must always avoid making transactions via public computers or WiFi networks as there are high chances of data theft and other cyber attacks.
• Use private windows: Make sure you perform all your transactions on private windows and avoid all kinds of suspicious apps or websites that are not recommended by the app store. You can find out about such apps by looking for reviews and the number of downloads.

Advantages of Online Payments

1. speed of transactions.

For both the seller and the customer, online payments save a lot of time. People don’t have to wait in lines, take time to write checks, or wait for paper bills. They don’t have to wait for banks to clear their checks so that they can access the money.

For sellers, it saves a great deal of time since they don’t have to waste time printing and mailing bills. Online payments also decrease the chances of late payments. Since it takes less than a few minutes to complete a transaction, people will not forget it or put it off for later.

2. Convenience 

People can pay for goods and services at any time of the day from any part of the world. It is easier to click a feature on your smartphone than to collect the correct amount of cash for your purchase. You don’t have to carry a lot of cash, get worried about theft or not having perfect change. With online payment options, you just need to remember a certain pin, and that’s it, your transaction is done! As simple as that. 

DID YOU KNOW?  In a survey conducted in 2020 to analyze the changing consumer sentiments concerning the COVID-19 pandemic in India, the respondents over the age of 40 were more inclined towards using credit and debit cards for payment. Contrary to this, UPI and online wallets were more popular with younger consumers.

3. Reaching global audience

One of the biggest advantages of having online payment gateways is that businesses can operate globally and have a customer base irrespective of geographical limitations. According to research , over 56% of online shoppers prefer to shop cross-border. So implementing online payment options on your e-commerce site will undoubtedly increase sales as you will be catering for a global audience.

4. Low transaction costs

In a traditional payment setup, businesses have to hire front-desk employees or cashiers to manage sales and payments. But with online payments, transactions take place in an automated environment. Merchants can set up online payment gateways with minimal investment and lower transaction costs.

5. Quick and easy setup

Instead of spending time on setting up a whole payment process that involves certain equipment and some extra employees, you can easily and quickly integrate online payment gateways for your business. However, before you choose the services of a particular vendor, you can evaluate the different options available in order to choose the best one. 

6. Variety of payment choices

With online payment features, you can offer your customers a wide variety of payment options to choose from. People have their own preferences, and if they can find that option while purchasing from you, there are obviously more chances of them actually getting through with the transaction. 

7. Availability of more distribution channels

As a business, having online payment options can benefit your distribution channels a lot. If you are ready to accept online payments, you can enter the affiliate domain and branch out your sales by displaying your products or services on other websites. It is a great way to increase sales. 

8. Easy management

Online payments make it easier to manage and store your money and other financial data. For both vendors and customers, there are a lot of tools available on the internet that will help you with transactions. You don’t have to keep track of your finances and let the tools do the job. It only gets easier since you don’t have to carry cash or cards.

9. Better customer experience

If customers feel it is convenient to purchase from you while also being able to save money and time, then that automatically translates to a positive customer experience. And as a business, you must put customer experience above everything else. Implementing online payment options for your business is a great way to achieve it, as many people nowadays prefer online payments over cash or card transactions.

10. Recurring payment capabilities

Online payments have made subscription markets operate with ease. Earlier, people used to make cash/card payments at regular intervals. Now, payments are automated and people don’t have to actually remember to pay or take the effort to go all the way to the physical place of business to make their payments. This has made receiving and accepting payments easier for both the seller and the customer. 

Disadvantages of Online Payments

1. technical problems.

Online payments are subject to technical failures or downtime, just like any other software that is dependent on technology. Though tech maintenance operations are announced in advance and usually take place during the night, sometimes, it can cause frustration among online shoppers. Especially when it takes place without prior warning, a lot of businesses experience heavy bounce rates.

2. Password threats

If you are a registered user with a website who uses online payments pretty often, there are high chances that the online portal can have access to your personal information or bank account details. Though most transactions use OTPs (one-time passwords), the need for password protection arises in such situations. Especially if you are someone who deals with different banks, you might face the risk of a privacy breach.

3. Cost of fraud

Just as more and more people are shifting to online payments and preferring them over other traditional forms of payment, so are cybercriminals. ID thefts, phishing attacks, and database exploits are becoming more common. In order to prevent these and increase security, businesses install a lot of payment-security softwares and eventually incur a lot of costs.

4. Security Concerns

As discussed in the previous point, using online payments come with a lot of security risks. Without proper security measures, fraudsters can easily hack important financial information and data. And since there aren’t any verification systems like facial recognition or biometrics, criminals can easily get away without getting caught.

5. Technological illiteracy

One of the main disadvantages of online payments is the technological illiteracy among many people, especially the older generation. Since they don’t have enough knowledge on how to go about using technology or smartphones, they refrain from using online payment methods. A lot of them also fear the complexities of it and continue to use traditional methods of payment. This is a huge drawback in developing countries like India.

6. Limitations on amount and time

Some banks limit the number of transactions you can do in a day or the maximum amount you can transfer in a day. Most online transactions also have a time limit under which you need to complete the process (like receiving and accepting OTPs). All these limitations can prove to be pretty inconvenient to some users. 

7.Service fees and other additional costs

While implementing online payment gateways, some services may demand setup costs or even processing fees for customers using those facilities. Setting up online payment options obviously requires access to the internet and other services that come along with it. This easily leads to incurring extra costs and both the sellers and customers can find it tiresome.

8. Disputed transactions

If you find someone using your electronic money, you can file a complaint with your bank or online payment processor. However, if you are unable to find the personal details of the person or for that matter, any details about them, then you cannot file a complaint or receive a refund. It gets tricky in such situations.

9. Loss of smart cards

Most online payments are done with the help of credit/debit cards, ATM cards, or identity cards. So if you lose any of these, automatically, your online payment accounts that are linked to your cards will be at risk too. Of course, you can block your cards after informing the bank, but the time between losing your card and blocking it may prove to be risky as many transactions by fraudsters can take place during that time period.

10. False identity

Unlike physical transactions, there are no ways to identify if the person making the online payment is the one he/she is claiming to be. Since there are no verification methods like photographs or signatures, most online payments are done behind a veil of anonymity. This can lead to a considerable amount of forgery and identity theft. 

Digital payments are shaping the e-commerce industry in ways more than one. As both a business owner and a customer, it is pretty much expected of you to have online payment options.

Though it is mainly considered to be advantageous for many obvious reasons, online payments have their own set of disadvantages that you need to be aware of. After all, in today’s digital world, every convenient feature comes with a bit of risk! With proper precautions and management, you can overcome most of these disadvantages. 

NTT DATA Payment Services offers a complete payment solution to advance your business. With the help of our cutting-edge and seamless payment gateway services, you can step up your business in no time! 

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I’m not sure where you are getting your information, but great topic. I needs to spend some time learning much more or understanding more. Thanks for excellent information I was looking for this information for my mission.

I like that you pointed out how online payments could save a lot of time, for both the seller and the customer. I was shopping around yesterday and I noticed that a lot of shops actually accept online payments now. It is nice to see that online payment is now common and could be used in a variety of ways, like online ticket purchasing.

It’s great that you elaborated on online payments and how they keep track of your online sales. My cousin is interested in starting a business in a few months, so he’d like to know more about an e-commerce payment system, and I think he’d benefit from your article. Thank you for the information on providing an accessible payment option for your customers.

This article does a great job of highlighting the key advantages and potential disadvantages of online payments. The convenience and speed of online transactions are huge benefits, but it’s also good to be aware of the additional security and fraud risks. Overall, a balanced and insightful perspective on the pros and cons of payment digitization.

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Essay on Digital Payment in India

Students are often asked to write an essay on Digital Payment in India in their schools and colleges. And if you’re also looking for the same, we have created 100-word, 250-word, and 500-word essays on the topic.

Let’s take a look…

100 Words Essay on Digital Payment in India

Introduction.

Digital payment is a method of paying for goods or services electronically, instead of using cash or cheques. In India, it’s gaining popularity due to its convenience and efficiency.

Popularity in India

With the rise of smartphones, more Indians are using digital payments. Apps like Paytm, Google Pay, and PhonePe have made transactions easier and quicker.

Government Initiatives

The Indian government is promoting digital payments. Initiatives like BHIM, UPI, and Aadhaar Pay are encouraging people to go cashless, reducing the risk of theft.

Digital payments are transforming India’s economy, making transactions more secure and convenient. It’s an important step towards a digital India.

250 Words Essay on Digital Payment in India

Digital payments in India have revolutionized the financial landscape, transforming the way transactions are conducted. The advent of digital payment platforms has facilitated seamless, secure, and efficient financial transactions, reducing dependency on cash.

Evolution of Digital Payments

The evolution of digital payments in India is a narrative of technological advancement and financial inclusion. The launch of platforms like Paytm, Google Pay and government initiatives such as Unified Payments Interface (UPI) and Aadhaar Enabled Payment System (AEPS) have made financial transactions accessible to the masses.

Impact on Economy

Digital payments have significantly impacted the Indian economy. They have fostered financial inclusivity, bringing the unbanked population into the formal financial system. Furthermore, digital payments have enhanced transparency, curbing black money and tax evasion.

Challenges and Future

Despite the progress, challenges remain. Cybersecurity threats, digital literacy, and network connectivity issues, particularly in rural areas, are areas of concern. However, with continuous technological innovation and government initiatives, the future of digital payments in India looks promising.

In conclusion, digital payments in India have transformed the financial ecosystem, promoting economic growth and financial inclusivity. Despite the challenges, the future trajectory of digital payments is upward, with the potential to make India a cashless economy.

500 Words Essay on Digital Payment in India

Introduction to digital payments.

Digital payments, a concept that was once alien to the Indian populace, has now become an integral part of everyday transactions. The advent of digital technology has revolutionized the traditional methods of transaction, making them more efficient, secure, and convenient.

Evolution of Digital Payments in India

The journey of digital payments in India began with the introduction of internet banking and credit cards, which were initially used by a limited urban population. The real game-changer, however, was the launch of mobile wallets like Paytm, MobiKwik, and FreeCharge, which introduced the masses to the convenience of digital transactions. The government’s demonetization move in 2016 further propelled the growth of digital payments, as cash scarcity forced people to switch to digital modes of transactions.

The Indian government has played a pivotal role in promoting digital payments. Initiatives like the Jan Dhan Yojana aimed at financial inclusion, the Unified Payments Interface (UPI) for facilitating interbank transactions, and the BHIM app for UPI-based transactions have significantly contributed to the digital payments ecosystem. The launch of Aadhaar Enabled Payment System (AePS) has also enabled biometric-based secure transactions, thus ensuring financial inclusion even in remote areas.

The Impact of Digital Payments

Digital payments have had a profound impact on the Indian economy. They have reduced the dependency on cash, leading to a decrease in the parallel economy and increase in transparency. They have also facilitated financial inclusion by bringing the unbanked population into the formal banking system. Moreover, digital payments have made transactions easier and faster, thereby increasing the efficiency of the economy.

Challenges and the Way Forward

Despite the rapid growth, digital payments in India face several challenges such as lack of digital literacy, cybersecurity threats, and inadequate digital infrastructure in rural areas. To overcome these, there is a need for robust cybersecurity measures, widespread digital literacy campaigns, and investment in digital infrastructure.

Moreover, the future of digital payments in India lies in harnessing emerging technologies such as blockchain, artificial intelligence, and machine learning to further enhance the security, speed, and convenience of transactions.

Digital payments have come a long way in India, from being a novelty to becoming a necessity. The journey, although challenging, has been transformative, bringing about a significant change in the way transactions are conducted. As India continues to evolve as a digital economy, digital payments will undoubtedly play a pivotal role in shaping the nation’s economic landscape.

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12 Advantages of Online Payment

The process of payment made through an electronic medium is called online payment. The online payment process does not need a cheque or cash. All the payments for goods and services can be made through an electronic medium. The various advantages of online payment make modern-day businesses more sophisticated and advanced.

Online payment is also known as electronic payment. Due to the increasing use of internet-based banking and shopping , online payment systems have become more popular.

The market has become more advanced with technology and digitalization. We can notice the rise of the electronic payment system and payment processing devices. The usage of check and cash transactions decreases day by day with the improvement of online payment methods.

The transaction is made electronically, involving computer networks, the internet, and digital stored value systems. It is called online payment if you collect the payment over the internet.

Table of Contents

What Actually Happens During Online Payment?

The customer transfers the money from their bank or credit card account to the supplier’s or seller’s bank account. The online payment can be done from a credit card, checking account, or another medium like PayPal .

The sellers or the dealers who accept the online payments need to follow security requirements. There are many cases of digital theft and hacking, so it is important to follow the guidelines of online payment security.

A secure encrypted connection needs to be established for the transaction. The sellers need to implement a long list of security features and protocols, also known as PCI compliance requirements, for the recurring billing where customer data is stored.

For the online payment process, the seller needs to have access to an online payment gateway . It is a service provider integrated with the credit card and transfers the online payment information between the owner/seller and the payment processor.

The steps for the online payment process:

• The payment information of customers is submitted to the seller. For example, the customer fills up the payment form and submits the information.
• The sellers then submit that payment information to the online payment gateway.
• The online payment gateway submits the payment to the payment processor.
• If the payment processor authorizes and approves the payment, then it responds to the payment gateway
• The payment gateway responds to the sellers
• The sellers respond to the customer, informing the success of online payment and takes appropriate action.

Advantages of Online Payment

Online payment allows for cashless payments for goods and services through cards, mobile phones, or the internet. The main advantages of using online payment are cost and time savings, increased sales, and reduced transaction costs.

The advantages of online payment are as follow:

• Increases Sales
• Outreach global market
• Reduced cost of a transaction
• Payment Security
• Credit Cards to Facilitate Low Balance Purchases
• Payment method acceptance
• Marketing tool
• More appealing to impulse buyers
• Recurring Payments capabilities
• Increase Speed and convenience
• Low labour costs
• Getting a competitive edge

1. Increased Sales

Online payment has become more popular as internet banking and online shopping becomes common. The cash and checks payments are decreasing day by day. Electronic payment has become the best alternative to build cashless payment. Even most of the customers don’t use cash and prefers electronic transaction. In that term, e-payment allows your businesses to sell to the customers who choose to pay electronically. Therefore you can gain a competitive advantage over those who use traditional payment methods.

2. Outreach Global Market

The biggest advantages of online payment are you can establish your business globally and get payment easily. The electronic payment method allows you to accept payment from any part of the world. Most people want to try new things and prefer better choices, so shopping across the border is increased. Therefore digital payments make it possible for the transaction within the nation as well as international. You can expand your business globally and make an online transaction.

3. Reduced Costs for Transactions

Before, the customers have to visit the store with a sufficient amount of cash or use cheques to buy the products. But today, digital payment save customers time and effort. They can shop online and even pay through an electronic medium.

The online payment process reduces the cost of the transaction of the traditional way of payments. You don’t need to hire staff, especially to work as a cashier and deal with the costs of processing payment slips.

There are usually no fees or a very small amount of fees to swipe your card or pay online. In the long run, e-payment could save the cost of both individuals and businesses in transaction fees.

4. Payment Security

Accepting online payments is more secure and reliable for sellers than receiving payments through cheques. The sellers can get money instantly with no risk of bounced cheques and other associate fees. They don’t need to verify the integrity of the cash and cheques.

The online payment method even has strict regulations , making it a more secure and trusted one.

5. Credit Cards to Facilitate Low Balance Purchases

The credit card can be used even if you don’t have money in your bank account.

Therefore customers can use their credit cards to make payments. If you are selling expensive items, you can offer the customers break down payments into small installments and use credit cards to pay for that installments.

6. Payment Method Acceptance

In traditional business, payment via cash and cheques are only accepted. But modern business set up includes online payment methods. The sellers offer different payment methods depending on the type of customer. The various payment alternative can be given to the clients.

You can choose any payment provider. Most of the top range payment providers include options for payments like eWallets, cryptocurrency , prepaid cards and others.

7. More Marketing/Distribution Channels Available

The online payment method has huge benefits on marketing and distribution channels. It brings convenience to the customers as they don’t have to carry cash and issue cheques. Nowadays, the customer feels more comfortable with online payment.

If you make your company online, then it is possible to make your brand name online and promote it on social media and other online platforms. You can branch out your sales in the affiliate domain and also have other websites, and marketers can showcase your products and services as full online payment options available.

Likewise, affiliate marketing is also increasing as the business organization is using the online platform. It helps to increase sales of business as well as profitable for affiliate partners.

8. More Appealing to Impulse Buyers

It is important to consider all of the impulse shoppers if you want to increase your sales.

It will become more appealing to your impulse buyers if you offer online payment methods in the case where those customers like your product and want to buy at the same time. The online payment gateway plays an important role in this situation, and it will be a losing factor if you can’t provide a convenient payment method at the spot.

Thus it is another advantage of payment gateway that increases sales and revenue of your business.

9. Recurring Payments Capabilities

In the past, subscription payment was possible through cash or cheques, but today, only a few buyers like these payments. Most of them prefer online payment features. In comparison, the subscription or SaaS businesses accept a client’s payment at specific intervals, which is also known as recurring need.

The payment gateway brings automation potential in the subscription markets. The sellers can facilitate recurring billing features with this automation feature, which can easily make or accept a payment, both for the buyers and sellers.

10. Increased Speed and Convenience

Of course, electronic payment brings more convenience than traditional payment methods.

The e-payment is more popular in this modern business. It allows the buyers to pay for goods and services at any time and from anywhere. Thanks to the online payment gateway, you can manage your business globally. Like a traditional payment method, the buyer doesn’t need to spend time just exchanging the money. Online payment allows you to pay within just a minute.

The security risk of handling the cash for a large transaction is also replaced by a secure and reliable payment method through an online gateway.

11. Low Labour Costs

Electronic payment is an automatic and systematic method of payment. It reduces the labor cost as many human resources are not needed. The traditional payment method like cash, money order, cheque, and EFTPOS.

The e-payment can be easily made through credit cards, PayPal, Stripe, and other methods.

12. Getting a Competitive Edge

The sellers can improve their reputation by receiving online payments. When you update your business procedure with advanced technologies, you can increase your efficiency. It also draws the attention of the customers, and you can gain the trust of the customers . Likewise, when you offer the option of receiving online payment, you can improve your reputation among customers.

Besides, if your competitors have online payment systems, you should not stay behind and ask for payments via cash and cheques. You must make some strategic changes for customer retention.

Challenges of Online Payments

There are several challenges that you need to consider in online payments.

Technical Problems

Every system has its technical problems; likewise, the online payment methods also have to face technical difficulties. Online payments or e-payment may have disturbances and downtime. Time to time maintenance is needed on the online payment gateways or in the card network system. Usually, the maintenance is announced in advance and done in the nighttime when most of the users are not active.

But the unpredicted technical issues can hamper your whole business and sales. You may face several hours of downtime . During the long downtime and maintenance period, customers may lose interest in your business and choose other competitors.

Vulnerability to Cybercriminals

As the online process increases the c ybercrime and fraud are also rapidly increases. Cybercriminals attempt to disable online payment methods or steal people’s money or information using their hacking skills.

One of the huge disadvantages of online transactions is the sellers and buyers may face various malicious attacks like information theft and leakage, database exploitation, and phishing attacks , etc. In this way, cybercriminals are becoming more and more versatile to interfere with online transactions.

The business organization must prevent their business from these cyber-attacks. For this, they have to invest more money in additional online security.

Popular Online Payment Systems

Most of the modern online payment services are simple, easier, faster, and more secure. We all know about the most popular payment gateways or online payment systems like PayPal, Square, Stripe, Amazon Pay, Apple Pay, Authorize.net, etc.

Here’s a list of some of the most popular online payment services:

PayPal is one of the most popular payment methods. It allows you to set up a PayPal account, and you can pay a fee for each cash transaction.

It is simple and quick to use as common customers can easily use it as a payment medium. It also provides a high level of online security.

Amazon Pay is also another popular online payment system. It is a digital payment processing service that allows customers to pay online using their Amazon payment methods on third-party websites.

To complete the transaction, Amazon Pay uses the details stored on the Amazon account.

Google Pay is free for both buyers and your customers.

Many users are already saving their card information to their Google account. Google Pay could offer an extra layer of convenience for a significant number of your customers. It lets customers choose from saved payment methods in their Google account for payment quickly and smoothly on third-party sites.

With the huge popularity of Apple, Apple Pay also is a considerable online payment service.

It operates with a one-click payment process and offers the customers an easy, secure, and faster alternative to traditional credit and debit card payments.

Direct Debit Payments

The direct debit payment works best for the monthly retainers or subscription-based business models . This online payment is best suited for recurring payments and automated payments.

Once the direct debit has been set up, the money is simply taken from their account automatically, and the customers don’t have to approve payments each time.

Bank Transfers

It is not always the case where the customers have a credit card, but they sure have a bank account.

The main advantage of bank transfers is that customers don’t have to disclose any financial details to the sellers to purchase goods or services.

Prepaid Cards

The youngsters or digital shoppers use prepaid cards as they don’t have a bank account.

Prepaid cards are a type of debit card issued by a bank or credit card company and have a certain amount of money.

Digital Currencies

Digital currencies have come a long way from the uncertainty, risk, and illegality once associated with Bitcoin.

You can offer a digital currency payment option for people who wants to invest in crypto. The digital currency change vividly compared to the traditional currency because it’s not associated with any physical assets.

Is the Future Cashless?

As the online payment method is increasing rapidly, it’s certain that the future can be cashless. It is considered the simple, fast, and most reliable payment method where the number of people using cash is low.

The iPhone devices help to have a secure payment as it allows biometric security like using Face ID for unlocking touch payment. Likewise, some other websites and apps incorporate biometric payment systems like Apple Pay and Google Pay.

There is also a huge chance of cryptocurrency payment in the future. But cryptocurrencies have a drastic fluctuation than dollars, so that lack of stable value may become a problem. However, modern society wants a convenient way of payment. If the payment is faster and more secure, the customers want to make payment and deal with you like the security risk is low.

Well, online payments have their own advantages and disadvantages. The true fact is that the advantages of online payments have a great weight than the downsides of it.

For example, the invoicing software which accepts online payment increases the efficiency of the business as the payment process becomes faster. In short, the invoices get paid faster . The online services is reliable for both sellers and buyers.

You must choose the right payment method according to your business. And you must find the right online payment provider for the sake of your business and customer’s security. It is wise to choose the payment provider, which guarantees access to extra business capabilities and offers more operational efficiency for your business.

After analyzing the increasing rate of online payment, it is expected to become the standard in upcoming years, as most business organizations and customers already start taking advantage. As a business owner, you must stay up to date with the changing trends and technologies. To become successful, you must apply the modern business strategy that accepts online payment and gives your customers the ultimate convenience.

Emily Hedge

Emily Hedge is a writer from Sydney, a tech enthusiast, and a blogger who loves to writes about technology news, developments, and trends with insightful analysis and commentary.

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Online payment importance and benefits.

Updated on : May 18th, 2022

The major advancements in electronic payments have created countless opportunities for businesses to grow faster. Electronic payments have constantly undergone advancements making them a seamless, fast and hassle-free way of making payments. You no longer have to go to the bank to deposit your payments. Here are 5 other online payment advantages:

1. Instant Payment

Online payments are faster than traditional payment methods such as cash or cheque. There is no time or location constraint when it comes to online payment. You can make the payment from anywhere in the world at any time.

2. Higher Security

There are multiple measures to make online payments more secure, such as tokenisation, encryption, SSL, etc. Customers no longer have to enter their card details every time they purchase. They can either save their card details or use a one-time password to complete the transaction.

3. Convenience

Online payments can help businesses provide their customers with a convenient payment experience. Customers have the option to purchase goods on credit and can pay later. The businesses will not have to send constant customer reminders to get the payment. You can automatically collect money after a certain period.

4. Saves Processing Costs

Businesses have to partner with a card processor to enable payment services to customers. The processor provides you with the payment gateway for processing in exchange for a high fixed cost. On the other hand, with online payment, you do not need to avail services of a processor. You just need to pay a fixed subscription to the online payment service provider.  

5. Contactless

Contactless payments mean quicker transactions and shorter queues at shops. With online payments, you can use contactless POS terminals in your business to avoid contact. In this system, the payee needs to hold their phone near the terminal, and the payment will get automatically processed.

Hard cash transactions have decreased significantly since the integration of the online payment system. Small businesses can leverage online payment technology and advance their business to prevent transactions from being cost centres through a payment collection software .

Online payments also guarantee better operational efficiency. Online payments are going to be the norm in the coming years. You can ensure your business is modern and customer friendly by incorporating online payment options.

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College Essays

If you grow up to be a professional writer, everything you write will first go through an editor before being published. This is because the process of writing is really a process of re-writing —of rethinking and reexamining your work, usually with the help of someone else. So what does this mean for your student writing? And in particular, what does it mean for very important, but nonprofessional writing like your college essay? Should you ask your parents to look at your essay? Pay for an essay service?

If you are wondering what kind of help you can, and should, get with your personal statement, you've come to the right place! In this article, I'll talk about what kind of writing help is useful, ethical, and even expected for your college admission essay . I'll also point out who would make a good editor, what the differences between editing and proofreading are, what to expect from a good editor, and how to spot and stay away from a bad one.

Table of Contents

What Kind of Help for Your Essay Can You Get?

What's Good Editing?

What should an editor do for you, what kind of editing should you avoid, proofreading, what's good proofreading, what kind of proofreading should you avoid.

What Do Colleges Think Of You Getting Help With Your Essay?

Who Can/Should Help You?

Advice for editors.

Should You Pay Money For Essay Editing?

The Bottom Line

What's next, what kind of help with your essay can you get.

Rather than talking in general terms about "help," let's first clarify the two different ways that someone else can improve your writing . There is editing, which is the more intensive kind of assistance that you can use throughout the whole process. And then there's proofreading, which is the last step of really polishing your final product.

Let me go into some more detail about editing and proofreading, and then explain how good editors and proofreaders can help you."

Editing is helping the author (in this case, you) go from a rough draft to a finished work . Editing is the process of asking questions about what you're saying, how you're saying it, and how you're organizing your ideas. But not all editing is good editing . In fact, it's very easy for an editor to cross the line from supportive to overbearing and over-involved.

Ability to clarify assignments. A good editor is usually a good writer, and certainly has to be a good reader. For example, in this case, a good editor should make sure you understand the actual essay prompt you're supposed to be answering.

Open-endedness. Good editing is all about asking questions about your ideas and work, but without providing answers. It's about letting you stick to your story and message, and doesn't alter your point of view.

Think of an editor as a great travel guide. It can show you the many different places your trip could take you. It should explain any parts of the trip that could derail your trip or confuse the traveler. But it never dictates your path, never forces you to go somewhere you don't want to go, and never ignores your interests so that the trip no longer seems like it's your own. So what should good editors do?

Help Brainstorm Topics

Sometimes it's easier to bounce thoughts off of someone else. This doesn't mean that your editor gets to come up with ideas, but they can certainly respond to the various topic options you've come up with. This way, you're less likely to write about the most boring of your ideas, or to write about something that isn't actually important to you.

If you're wondering how to come up with options for your editor to consider, check out our guide to brainstorming topics for your college essay .

Help Revise Your Drafts

Here, your editor can't upset the delicate balance of not intervening too much or too little. It's tricky, but a great way to think about it is to remember: editing is about asking questions, not giving answers .

Revision questions should point out:

• Places where more detail or more description would help the reader connect with your essay
• Places where structure and logic don't flow, losing the reader's attention
• Places where there aren't transitions between paragraphs, confusing the reader
• Moments where your narrative or the arguments you're making are unclear

But pointing to potential problems is not the same as actually rewriting—editors let authors fix the problems themselves.

Bad editing is usually very heavy-handed editing. Instead of helping you find your best voice and ideas, a bad editor changes your writing into their own vision.

You may be dealing with a bad editor if they:

• Add material (examples, descriptions) that doesn't come from you
• Use a thesaurus to make your college essay sound "more mature"
• Add meaning or insight to the essay that doesn't come from you
• Tell you what to say and how to say it
• Write sentences, phrases, and paragraphs for you
• Change your voice in the essay so it no longer sounds like it was written by a teenager

Colleges can tell the difference between a 17-year-old's writing and a 50-year-old's writing. Not only that, they have access to your SAT or ACT Writing section, so they can compare your essay to something else you wrote. Writing that's a little more polished is great and expected. But a totally different voice and style will raise questions.

Where's the Line Between Helpful Editing and Unethical Over-Editing?

Sometimes it's hard to tell whether your college essay editor is doing the right thing. Here are some guidelines for staying on the ethical side of the line.

• An editor should say that the opening paragraph is kind of boring, and explain what exactly is making it drag. But it's overstepping for an editor to tell you exactly how to change it.
• An editor should point out where your prose is unclear or vague. But it's completely inappropriate for the editor to rewrite that section of your essay.
• An editor should let you know that a section is light on detail or description. But giving you similes and metaphors to beef up that description is a no-go.

Proofreading (also called copy-editing) is checking for errors in the last draft of a written work. It happens at the end of the process and is meant as the final polishing touch. Proofreading is meticulous and detail-oriented, focusing on small corrections. It sands off all the surface rough spots that could alienate the reader.

Because proofreading is usually concerned with making fixes on the word or sentence level, this is the only process where someone else can actually add to or take away things from your essay . This is because what they are adding or taking away tends to be one or two misplaced letters.

Laser focus. Proofreading is all about the tiny details, so the ability to really concentrate on finding small slip-ups is a must.

Excellent grammar and spelling skills. Proofreaders need to dot every "i" and cross every "t." Good proofreaders should correct spelling, punctuation, capitalization, and grammar. They should put foreign words in italics and surround quotations with quotation marks. They should check that you used the correct college's name, and that you adhered to any formatting requirements (name and date at the top of the page, uniform font and size, uniform spacing).

Limited interference. A proofreader needs to make sure that you followed any word limits. But if cuts need to be made to shorten the essay, that's your job and not the proofreader's.

A bad proofreader either tries to turn into an editor, or just lacks the skills and knowledge necessary to do the job.

Some signs that you're working with a bad proofreader are:

• If they suggest making major changes to the final draft of your essay. Proofreading happens when editing is already finished.
• If they aren't particularly good at spelling, or don't know grammar, or aren't detail-oriented enough to find someone else's small mistakes.
• If they start swapping out your words for fancier-sounding synonyms, or changing the voice and sound of your essay in other ways. A proofreader is there to check for errors, not to take the 17-year-old out of your writing.

What Do Colleges Think of Your Getting Help With Your Essay?

Admissions officers agree: light editing and proofreading are good—even required ! But they also want to make sure you're the one doing the work on your essay. They want essays with stories, voice, and themes that come from you. They want to see work that reflects your actual writing ability, and that focuses on what you find important.

On the Importance of Editing

Get feedback. Have a fresh pair of eyes give you some feedback. Don't allow someone else to rewrite your essay, but do take advantage of others' edits and opinions when they seem helpful. ( Bates College )

Read your essay aloud to someone. Reading the essay out loud offers a chance to hear how your essay sounds outside your head. This exercise reveals flaws in the essay's flow, highlights grammatical errors and helps you ensure that you are communicating the exact message you intended. ( Dickinson College )

On the Value of Proofreading

Share your essays with at least one or two people who know you well—such as a parent, teacher, counselor, or friend—and ask for feedback. Remember that you ultimately have control over your essays, and your essays should retain your own voice, but others may be able to catch mistakes that you missed and help suggest areas to cut if you are over the word limit. ( Yale University )

Proofread and then ask someone else to proofread for you. Although we want substance, we also want to be able to see that you can write a paper for our professors and avoid careless mistakes that would drive them crazy. ( Oberlin College )

On Watching Out for Too Much Outside Influence

Limit the number of people who review your essay. Too much input usually means your voice is lost in the writing style. ( Carleton College )

Ask for input (but not too much). Your parents, friends, guidance counselors, coaches, and teachers are great people to bounce ideas off of for your essay. They know how unique and spectacular you are, and they can help you decide how to articulate it. Keep in mind, however, that a 45-year-old lawyer writes quite differently from an 18-year-old student, so if your dad ends up writing the bulk of your essay, we're probably going to notice. ( Vanderbilt University )

Now let's talk about some potential people to approach for your college essay editing and proofreading needs. It's best to start close to home and slowly expand outward. Not only are your family and friends more invested in your success than strangers, but they also have a better handle on your interests and personality. This knowledge is key for judging whether your essay is expressing your true self.

Parents or Close Relatives

Your family may be full of potentially excellent editors! Parents are deeply committed to your well-being, and family members know you and your life well enough to offer details or incidents that can be included in your essay. On the other hand, the rewriting process necessarily involves criticism, which is sometimes hard to hear from someone very close to you.

A parent or close family member is a great choice for an editor if you can answer "yes" to the following questions. Is your parent or close relative a good writer or reader? Do you have a relationship where editing your essay won't create conflict? Are you able to constructively listen to criticism and suggestion from the parent?

One suggestion for defusing face-to-face discussions is to try working on the essay over email. Send your parent a draft, have them write you back some comments, and then you can pick which of their suggestions you want to use and which to discard.

Teachers or Tutors

A humanities teacher that you have a good relationship with is a great choice. I am purposefully saying humanities, and not just English, because teachers of Philosophy, History, Anthropology, and any other classes where you do a lot of writing, are all used to reviewing student work.

Moreover, any teacher or tutor that has been working with you for some time, knows you very well and can vet the essay to make sure it "sounds like you."

If your teacher or tutor has some experience with what college essays are supposed to be like, ask them to be your editor. If not, then ask whether they have time to proofread your final draft.

Guidance or College Counselor at Your School

The best thing about asking your counselor to edit your work is that this is their job. This means that they have a very good sense of what colleges are looking for in an application essay.

At the same time, school counselors tend to have relationships with admissions officers in many colleges, which again gives them insight into what works and which college is focused on what aspect of the application.

Unfortunately, in many schools the guidance counselor tends to be way overextended. If your ratio is 300 students to 1 college counselor, you're unlikely to get that person's undivided attention and focus. It is still useful to ask them for general advice about your potential topics, but don't expect them to be able to stay with your essay from first draft to final version.

Friends, Siblings, or Classmates

Although they most likely don't have much experience with what colleges are hoping to see, your peers are excellent sources for checking that your essay is you .

Friends and siblings are perfect for the read-aloud edit. Read your essay to them so they can listen for words and phrases that are stilted, pompous, or phrases that just don't sound like you.

You can even trade essays and give helpful advice on each other's work.

If your editor hasn't worked with college admissions essays very much, no worries! Any astute and attentive reader can still greatly help with your process. But, as in all things, beginners do better with some preparation.

First, your editor should read our advice about how to write a college essay introduction , how to spot and fix a bad college essay , and get a sense of what other students have written by going through some admissions essays that worked .

Then, as they read your essay, they can work through the following series of questions that will help them to guide you.

Introduction Questions

• Is the first sentence a killer opening line? Why or why not?
• Does the introduction hook the reader? Does it have a colorful, detailed, and interesting narrative? Or does it propose a compelling or surprising idea?
• Can you feel the author's voice in the introduction, or is the tone dry, dull, or overly formal? Show the places where the voice comes through.

Essay Body Questions

• Does the essay have a through-line? Is it built around a central argument, thought, idea, or focus? Can you put this idea into your own words?
• How is the essay organized? By logical progression? Chronologically? Do you feel order when you read it, or are there moments where you are confused or lose the thread of the essay?
• Does the essay have both narratives about the author's life and explanations and insight into what these stories reveal about the author's character, personality, goals, or dreams? If not, which is missing?
• Does the essay flow? Are there smooth transitions/clever links between paragraphs? Between the narrative and moments of insight?

Reader Response Questions

• Does the writer's personality come through? Do we know what the speaker cares about? Do we get a sense of "who he or she is"?
• Where did you feel most connected to the essay? Which parts of the essay gave you a "you are there" sensation by invoking your senses? What moments could you picture in your head well?
• Where are the details and examples vague and not specific enough?
• Did you get an "a-ha!" feeling anywhere in the essay? Is there a moment of insight that connected all the dots for you? Is there a good reveal or "twist" anywhere in the essay?
• What are the strengths of this essay? What needs the most improvement?

Should You Pay Money for Essay Editing?

One alternative to asking someone you know to help you with your college essay is the paid editor route. There are two different ways to pay for essay help: a private essay coach or a less personal editing service , like the many proliferating on the internet.

My advice is to think of these options as a last resort rather than your go-to first choice. I'll first go through the reasons why. Then, if you do decide to go with a paid editor, I'll help you decide between a coach and a service.

When to Consider a Paid Editor

In general, I think hiring someone to work on your essay makes a lot of sense if none of the people I discussed above are a possibility for you.

If you can't ask your parents. For example, if your parents aren't good writers, or if English isn't their first language. Or if you think getting your parents to help is going create unnecessary extra conflict in your relationship with them (applying to college is stressful as it is!)

If you can't ask your teacher or tutor. Maybe you don't have a trusted teacher or tutor that has time to look over your essay with focus. Or, for instance, your favorite humanities teacher has very limited experience with college essays and so won't know what admissions officers want to see.

If you can't ask your guidance counselor. This could be because your guidance counselor is way overwhelmed with other students.

If you can't share your essay with those who know you. It might be that your essay is on a very personal topic that you're unwilling to share with parents, teachers, or peers. Just make sure it doesn't fall into one of the bad-idea topics in our article on bad college essays .

If the cost isn't a consideration. Many of these services are quite expensive, and private coaches even more so. If you have finite resources, I'd say that hiring an SAT or ACT tutor (whether it's PrepScholar or someone else) is better way to spend your money . This is because there's no guarantee that a slightly better essay will sufficiently elevate the rest of your application, but a significantly higher SAT score will definitely raise your applicant profile much more.

Should You Hire an Essay Coach?

On the plus side, essay coaches have read dozens or even hundreds of college essays, so they have experience with the format. Also, because you'll be working closely with a specific person, it's more personal than sending your essay to a service, which will know even less about you.

But, on the minus side, you'll still be bouncing ideas off of someone who doesn't know that much about you . In general, if you can adequately get the help from someone you know, there is no advantage to paying someone to help you.

If you do decide to hire a coach, ask your school counselor, or older students that have used the service for recommendations. If you can't afford the coach's fees, ask whether they can work on a sliding scale —many do. And finally, beware those who guarantee admission to your school of choice—essay coaches don't have any special magic that can back up those promises.

Should You Send Your Essay to a Service?

On the plus side, essay editing services provide a similar product to essay coaches, and they cost significantly less . If you have some assurance that you'll be working with a good editor, the lack of face-to-face interaction won't prevent great results.

On the minus side, however, it can be difficult to gauge the quality of the service before working with them . If they are churning through many application essays without getting to know the students they are helping, you could end up with an over-edited essay that sounds just like everyone else's. In the worst case scenario, an unscrupulous service could send you back a plagiarized essay.

Getting recommendations from friends or a school counselor for reputable services is key to avoiding heavy-handed editing that writes essays for you or does too much to change your essay. Including a badly-edited essay like this in your application could cause problems if there are inconsistencies. For example, in interviews it might be clear you didn't write the essay, or the skill of the essay might not be reflected in your schoolwork and test scores.

Should You Buy an Essay Written by Someone Else?

Let me elaborate. There are super sketchy places on the internet where you can simply buy a pre-written essay. Don't do this!

For one thing, you'll be lying on an official, signed document. All college applications make you sign a statement saying something like this:

I certify that all information submitted in the admission process—including the application, the personal essay, any supplements, and any other supporting materials—is my own work, factually true, and honestly presented... I understand that I may be subject to a range of possible disciplinary actions, including admission revocation, expulsion, or revocation of course credit, grades, and degree, should the information I have certified be false. (From the Common Application )

For another thing, if your academic record doesn't match the essay's quality, the admissions officer will start thinking your whole application is riddled with lies.

Admission officers have full access to your writing portion of the SAT or ACT so that they can compare work that was done in proctored conditions with that done at home. They can tell if these were written by different people. Not only that, but there are now a number of search engines that faculty and admission officers can use to see if an essay contains strings of words that have appeared in other essays—you have no guarantee that the essay you bought wasn't also bought by 50 other students.

• You should get college essay help with both editing and proofreading
• A good editor will ask questions about your idea, logic, and structure, and will point out places where clarity is needed
• A good editor will absolutely not answer these questions, give you their own ideas, or write the essay or parts of the essay for you
• A good proofreader will find typos and check your formatting
• All of them agree that getting light editing and proofreading is necessary
• Parents, teachers, guidance or college counselor, and peers or siblings
• If you can't ask any of those, you can pay for college essay help, but watch out for services or coaches who over-edit you work
• Don't buy a pre-written essay! Colleges can tell, and it'll make your whole application sound false.

Ready to start working on your essay? Check out our explanation of the point of the personal essay and the role it plays on your applications and then explore our step-by-step guide to writing a great college essay .

Using the Common Application for your college applications? We have an excellent guide to the Common App essay prompts and useful advice on how to pick the Common App prompt that's right for you . Wondering how other people tackled these prompts? Then work through our roundup of over 130 real college essay examples published by colleges .

Stressed about whether to take the SAT again before submitting your application? Let us help you decide how many times to take this test . If you choose to go for it, we have the ultimate guide to studying for the SAT to give you the ins and outs of the best ways to study.

Anna scored in the 99th percentile on her SATs in high school, and went on to major in English at Princeton and to get her doctorate in English Literature at Columbia. She is passionate about improving student access to higher education.

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Digital Payment In India Essay – Know the types of digital payment platform & their benefits

The Indian Government initiated a flagship program named ‘Digital India’ with an objective to promote digital payments and it aspires to convert India into a digitally empowered society and knowledge economy. Recently, Ms. Nirmala Sitaraman made a statement in Budget 2022 to establish one digital payment system in 75 districts across the country. In this post we have talked about  digital payment in India essay  followed by the pros and cons of digital payments across the nation.

Table of Contents

Digital Payment In India Essay – Introduction

A digital payment, commonly known as an electronic payment, is an electronic transfer of funds from one account to another. As a result, no real money or instruments such as cash, cheques, or other similar things are exchanged. However, one should be aware that digital transaction does not only refer to online transactions; it also includes transactions processed in a physical location. This indicates that both the payer and the payee exchange currency via digital means. ATMs aren’t the only way to make digital payments, online banking and UPI are also options. RTGS, NEFT, and IMPS are examples of online banking. Nearly every single bank in India offers digital payment systems, allowing customers to pay and receive payments electronically in a timely manner.

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Essay On Digital Payment In India – Kinds of Digital Payments

Following the advent of Cashless India, India now has ten different digital payment options. Some approaches have been in use for over a decade, while others have only lately gained popularity. Let’s take a look at some of the most common digital payment platforms and see which one would be the best fit for you based on the features they provide.

Mobile Banking

Several banks offer mobile applications that can be downloaded from App stores. It allows customers to conduct various types of transactions using a smartphone from a distance. It enables customers to conduct various types of financial transactions using a smartphone or tablet from a distance. Mobile Banking is a terrific method to keep track of the bank accounts in today‘s world.

Micro ATM systems are used by thousands of Entrepreneurs to provide basic banking services. The said entrepreneurs utilizes a gadget that authenticates the fingerprint and allows the customer to transfer money from your Aadhar-linked bank account. Banks all around the country are linked to the Micro ATM devices. It allows a person to transfer or withdraw funds instantaneously to any bank.

Internet Banking

Customers can process transactions and other financial operations over a bank’s website using Internet Banking. It  enables customers to conduct all of their banking transactions online. Customers must first register for online banking with the bank where they have a Savings Account.

Mobile Wallet

A mobile wallet/digital wallet/ e-wallet is a sort of virtual wallet that allows a person to link the debit or credit card details to your mobile wallet software and transfer funds to the wallet online. Instead of physically utilizing cards, this app can be used to make transactions digitally. A customer must link their bank account to their mobile wallet in order to transfer money into it.

Bank Prepaid cards

These are plastic cards provided by banks that are pre-loaded with funds and can be used in the same way as a debit card. These are not linked to an account and must be charged with funds from your bank account, either online or in-person.

Unified Payment Interface (UPI)

It connects several bank accounts (from any partner bank) to a single mobile app, allowing for multiple banking functions, smooth fund routing, and merchant payments all under one roof. Transactions can be carried out 24*7*365 via UPIs.

AADHAAR Enabled Payment System (AePS)

The AePS was created to help accelerate financial inclusion in the country by leveraging the visibility and reputation of Aadhar. It allows banks to safely and securely route Aadhar-initiated interbank transfers via a central switching and clearance service.

Unstructured Supplementary Service Data (USSD)

The system is intended to promote financial inclusion and development in remote areas with limited internet access. The transfers are limited to Rs 5,000 for each transaction for security reasons.

Banking Cards

It encompasses all card kinds, including debit, credit, and prepaid cards. Visa, MasterCard, and RuPay are the most popular card payment methods in India. Banking cards have become one of the most popular payment methods due to the immense convenience, control, flexibility, and security they provide when compared to other options. 

Point of Sale (POS) Terminals

A POS is a location where sales are carried out. As a result, a POS can be anywhere. It’s readily available and has no transaction limits set by the RBI, making it a suitable and safe way to pay for things.

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 Importance Of Digital Payments In India 

• Digital payments are a speedy, friendly and safe mode of payments.
• Most of the digital payment wallets and other modes don’t charge anything as processing fee and thus it is economical for most of them.
• Users also get rewards and other benefits on certain digital transactions.
• Digital wallets help in maintaining the transaction records.
• With the help of digital payments, govt. can keep track of unappropriate transactions.

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Conclusion of Digital Payment In India Essay

Firstly due to demonetization and then because of COVID-19 and India’s push for cashless transactions, our reliance on cash has decreased significantly with the emergence of many digital payment options. These approaches are not only simple and friendly to use, but they also provide additional protection, cost savings, and adaptability.

Check the details about Digital Payment in India

Digital payment is an electronic transfer of funds from one account to another.

Read the above mentioned part in this post to read about the advantages of digital payment in india.

Currently, there are 10 kinds of digital payments in India. Please read above to know more about the types of digital payments.

Yes, digital payments are safe in India.

RBI governs all transactions related to digital payments.

By Skandh Gupta

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