online payment essay

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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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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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.

That’s it! I hope the essay helped you.

If you’re looking for more, here are essays on other interesting topics:

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Online Payment Methods and Financial Advantages Beyond The Pandemic

Online buying has become something that is well known to us due to this ongoing pandemic. COVID-19 has subjected us to a digital world with most tasks being completed online. This brings us to why online shopping is growing quicker than ever before. Before the pandemic, online shopping was never the go-to for a lot of people because they knew that they could simply go to the shop to purchase in person.

Now, due to lockdowns, payments of services and goods online is a must whether we like it or not but our state of the art high rights technology makes it easy. This can be deemed very convenient and effective, hence the need to talk about the advantages and methods of online payments .

The increase of online transactions during the coronavirus pandemic has seen a lot of new online payment providers booming around the world. One of those payment methods experiencing positive growth is BigWallet Payments offered by Silvergate Technologies Limited.

The success of this online payment solution should not come as a surprise to anyone with insight into the FinTech industry. The company behind the technology and platform on which BigWallet Payments runs is no less than Axios Holding , one of the leading FinTech companies in the world. Their developments within financial technology have facilitated fast and safe payments online with the end result that users are able to transfer money and make payments online, with just a click of a button.

With the technology in place, let’s look at some of the benefits of using online payments during COVID-19 and any other time.

8 Benefits of Modern Online Payment Methods

Online payment methods have allowed us to make purchases, payments, pay bills, and more, while in the comfort of our homes. In fact, using online payment methods comes with a lot of benefits. Below, we list the different advantages of online payments from a customer and merchandise perspective.

1. Reaching a wide and global audience

One of the most appealing reasons for adopting online payments is that it opens businesses to the whole world. Merchants that are selling online are offering their goods and services to a lot more people than just their own nationals – about 56% of online shoppers prefer shopping cross-borders, therefore, making it one of the highlight-worthy advantages of digital payments.

That means, as a business, you have the ability to expand your sales reach to global, keen audiences that you might never get a chance to reach otherwise.

2. Reduced costs for transactions

If we compare the adjusted classic payment setups, where we have the shopper visiting the store and paying there or mailing a check. We will see that online payments take place in a much quicker and more automated environment, hence leading to their reduced costs.

Instead of employing a cashier or dealing with the costs of processing payment slips, merchants are now able to set up payment systems that often have no upfront cost. This means that they subsequently pay a lower transaction fee whenever a sale is recorded on to their site.

3. Payment security

Getting online payments from customers comes with lower financial risks for the merchant, in comparison to the usual traditional methods in which the seller may have to verify the probity of the cash payment, or having to deal with fees associated with a bounced check.

4. Instant Payments 

With the speed in which the transactions are concluded online, another advantage of online payment processing is that the shopper’s money is placed instantly into a respectable account. It might take two or three days for the online payment to be cleared. This gives merchants better control over their finances. Also, online payments tend to be regulated more, giving peace of mind to those in the online business.

5. Optimized customer journey

Shoppers are now able to make purchases in whatever global market they feel like; today you shop in Paris, tomorrow it’s Greece, and this happens at whatever time of day they prefer. One does not have to physically travel and has to feel safe in concluding a transaction online, which is the primary reason why people shop online. Hence as a merchant, you have to provide this preference.

Without the online payment, prospects would no longer be able to get the guarantee that comes with paying online. Global shoppers are already used to receiving instant confirmation for their purchase and in the case of digital goods, possibly receiving the goods directly in no time.

6. Payment method acceptance

In traditional standard stores, payment is usually available via cash (in the country’s currency) or card, whereas in an online setup, offering a digital wallet , the possibilities of payments are endless. This, hence, depends on the type of payment partner one decides to work with.

Your consumers will then have access to numerous payment alternatives that they want. E-wallets, cryptocurrency, prepaid cards, and so many more, are some of the top online paying examples. Some payment providers enter new markets through the acceptance of local payment methods.

7. More appealing to impulse buyers

Impulse shoppers are a dream to any online store because they don’t stop buying. However, this depends on the product you are selling. It would be a loss to not go with the payment directly.

8. Recurring payments capabilities

SaaS businesses task of receiving payments from a client comes at intervals; therefore, becoming a recurring need. Whilst subscription payment was possible through cash or cheques in the past, now few buyers would consider them, especially when ordering digital goods.

Another important payment advantage is the automation potential it brings in subscription markets. This allows merchants to enable recurring billing features through these partners, which translates into fewer required actions to make or accept a transaction, for both the shopper and seller. Other suppliers include rich subscription management features that can be a real help for businesses aiming for customer confinement.

Online transactions are here to stay and due to the many advantages, we can expect more retailers to introduce mobile point of sales solutions for easy and quick payments using apps instead of cash. One thing is sure, the future of digital payments looks bright also after the pandemic.

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Why Digital Payment is Better Than Cash

The ability to pay digitally has become more important than ever, as it benefits both businesses and consumers in many ways. In fact, in 2018, the Federal Reserve found that check payments had become less popular than automated clearing house debit transfers (ACH)—a type of digital payment in which money is pulled from a checking account to pay a bill. More specifically, there were about 16.6 billion ACH debit transfers compared to 14.5 billion check payments that year.

Additionally, from 2015 to 2018, the number of debit and credit card transactions increased by nearly 9% annually. And at the start of the pandemic in 2020, the importance of digital payments was even more apparent as touchless transactions were sought after whenever possible in the name of safety. Clearly, the use of cash and checks is dwindling, and there are several good reasons for that. Here’s what you need to know about why digital payment is better than cash.

Digital Payments Are Fast

One of the most apparent advantages of digital payments is how quick they are, especially for major purchases. Counting out cash can take a lot of time for both businesses and consumers. If you’re buying an item or service, you might have to count out dozens of bills, which can take a few minutes. And if you mess up the total and have to start again, you’re suddenly holding up the line! Then the person you hand the cash to has to count the bills, as well, and place them in the proper sections of the cash register. This can lead to wasted time and energy for both customers and cashiers, and could negatively affect the overall customer experience at the business.

Writing a check can take just as long. You have to get out the checkbook, wait to hear the total, and then hope you get all the information right the first time. If you make one mistake, you’ll likely have to tear up the check and start again with a new one. Then the person you hand the check to has to closely examine and verify it before storing it in the right place. And at the end of the business day, an employee has to take the cash and checks to the bank to deposit them into a checking account. All of this takes a lot of time, especially over several business transactions each day.

You can likely already see why digital payment is better than cash. It’s simply much faster. When businesses accept digital payments, customers only need to grab a card and swipe or tap it. If they’re paying online, they can enter their account information from home on their own time, meaning they’re not holding up a line at all. And the business gets the funds immediately, without having to deal with trips to the bank or days of waiting to see if a check gets accepted. Basically, one of the reasons why digital payment is better than cash is that it frees up time and makes cash flow more seamless than ever for businesses in all industries.

Paying Digitally Is Convenient for Consumers

Another reason to use digital payments instead of cash is the sheer convenience. This is especially the case when customers are out shopping for major products, such as home appliances—or even homes themselves! After all, real estate transactions can cost a lot of money that needs to be paid as soon as possible, with no time to waste.

But when you’re looking to spend hundreds or thousands of dollars, you’re not exactly prepared to carry that much in cash. And you don’t always know ahead of time how much cash you’ll need for the product or service you’re buying. Bringing a checkbook isn’t much more convenient, as it doesn’t easily fit into a wallet like credit and debit cards do—increasing the chance you’ll lose the checkbook altogether.

It’s much easier to just bring a credit or debit card, or even use a mobile wallet via a secure phone app. This way, when consumers are ready to make a purchase, they can do so on the spot, without having to go to a bank or return home to get cash or a check first. The result is typically more sales for businesses, since when a customer has to leave to get cash, there’s a chance he or she won’t return to complete the transaction. Therefore, accepting and even encouraging digital payments is important if you want to boost sales at your business.

Digital Payments Are Typically More Secure

Another important reasons why digital payment is better than cash is the security. The problem with walking around with large amounts of cash is that if it’s stolen or lost, you’ll likely never get it back. Not to mention that if anyone knows you frequently carry cash, you become a target for criminals, increasing your chances of being hurt during a robbery. This is a concern for both consumers and employees of businesses, which is why keeping a lot of cash on hand isn’t recommended.

Checks aren’t much safer for businesses or consumers. There are many types of check fraud that can affect individuals and businesses alike. Identifying and fixing the problem can take weeks or longer, and it might affect or completely cancel a sale you thought was already done and accounted for. Then there’s the ever-present threat of a customer’s check bouncing, which can result in delays and fees that both business owners and customers have to deal with.

You can avoid these security issues by encouraging digital payments instead of cash or check at your business whenever possible. While it’s certainly possible for digital payments to be targeted by cyber criminals who attempt to steal money, those funds are usually protected by financial institutions. This means you know you’ll eventually get the money back, which isn’t usually the case with stolen or lost cash.

Plus, online payment processors take the time to verify identities and ensure there’s enough money in the account before your business accepts the transaction. This offers some protection for businesses that can’t afford to risk the delays and fees that come with bounced checks, and need to know that every transaction will successfully go through.

As you can see, there many reasons why digital payment is better than cash overall. Paying digitally benefits not just businesses, but also customers. Whether you need help keeping real estate transactions seamless and quick or just want to make it as easy as possible on your customers to buy from you on a regular basis, digital payments are important.

At paymints.io, we’re aware of the many reasons why digital payment is better than cash, which is why we’re proud to offer a fully electronic, secure way to pay for products and services. If you want to find out more about what we can offer you, please feel free to  schedule a demo with us today!

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The Pros and Cons of Online Payment System

February 11, 2019

As technology grows, cash strives to endure the surge of electronic payments. With more and more people equipped with a mobile device that has enough technology to run their lives, having a virtual wallet is all the craze.

Virtual wallets and electronic payments serve a purpose, especially for the payment savvy . They save time, increase sales, and reduce transaction costs. Furthermore, it’s effortless to check your expenses. But like all pleasantries in life, there are some negatives.

Pro: Quick and Convenient

Compared to a cash payment or transaction, e-payments are extremely fast. Whether you’re paying for your goods online as opposed to waiting in a queue or even transferring money between accounts – electronic transactions and payments take a matter of minutes, sometimes seconds! What’s more, e-payments eliminate the security risk of handling large amounts of cash.

Pro: Ease of Use

It’s true, anyone with a computer can perform business transactions . There are plenty of payment gateways out there that are extremely straightforward to use.

Pro: Expense Control

The stress of having to map out your expenses over a long period of time can be grueling. The advantages of using electronic payments are extremely rewarding when it comes to controlling your expenses.

A virtual account provides you with all the necessary information linked to a transaction, including the amount, date, transaction type, and the name of the store. In addition to this, there is the added bonus of being able to view this information whenever you like, without having to contact your bank for various statements or look endlessly through a pile of receipts.

Pro: One-click Payment

Thanks to high-tech mobile devices and internet banking apps, users can pay for their goods and transfer money in one simple click (or tap). In recent years, we’ve seen the rise in contactless payments and Apple Pay, which results in users being able to pay for their goods without having to enter their bank details. While this is for the payment savvy , it’s fast becoming a popular method of payment.

Pro: Increased Sales

Cash payments are slowly fizzling out, and while almost all businesses still accept cash, the amount being carried by customers is decreasing. According to the U.S Bank Cash Behaviour Survey, 76% of consumers carry less than $50 worth of cash on them, and 46% saying they use cash fewer than eight days per month.

For businesses who are yet to accept electronic payments, these figures may come as a shock and could well explain a recent draught in custom.

Con: Fraud Concerns

Although stringent measures are in place to make electronic payments safe, they are still vulnerable to hacking. Fraudsters use phishing methods to obtain important information such as passwords and credit card details by disguising as a trustworthy entity. It’s these exact security concerns that have put so many people off using e-payments.

Until we see far more superior identity verification such as face recognition or biometrics, users are at risk of being hacked and having their details stolen.

Con: Technical Problems

There are a number of technical issues that could prevent your e-payment from being successful. Internet and server problems such as poor signal connection can disable online payment methods. In addition to this, some banks block international transactions for security reasons. While this can be solved by contacting your bank directly, it can often result in them blocking your card – which is slightly annoying.

And then there are technical glitches, which can sometimes take days to resolve. Popular payment gateways such as PayPal will undergo regular upgrades and changes to improve its service. In some situations, the upgrades may not go to plan, which disrupts the service and can result in the platform’s server being down.

Con: Increased Business Costs

Using e-payment systems within your business come at a cost, as you’ll need to protect financial information stored in your computer systems. Businesses with in-house electronic payment software will be forced to pay out for installing and maintaining payment-security technologies.

Is E-payment Good For Your Business?

Electronic payments are fast taking over cash payments, which is resulting in fewer people carrying cash. For small businesses, accepting e-payments could prove to be an important factor in the success of your business. In 2018, 62% of all payments in the UK were electronic payments, which gives you a clear indication of how popular this payment method is becoming.

Technology is slowly taking over, you have to evolve with it.

How do you feel about e-payment? Please, leave your thoughts in the comment box below.

RECENTLY PUBLISHED

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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Sat / act prep online guides and tips, getting college essay help: important do's and don’ts.

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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NPR suspends veteran editor as it grapples with his public criticism

David Folkenflik

NPR suspended senior editor Uri Berliner for five days without pay after he wrote an essay accusing the network of losing the public's trust and appeared on a podcast to explain his argument. Uri Berliner hide caption

NPR suspended senior editor Uri Berliner for five days without pay after he wrote an essay accusing the network of losing the public's trust and appeared on a podcast to explain his argument.

NPR has formally punished Uri Berliner, the senior editor who publicly argued a week ago that the network had "lost America's trust" by approaching news stories with a rigidly progressive mindset.

Berliner's five-day suspension without pay, which began last Friday, has not been previously reported.

Yet the public radio network is grappling in other ways with the fallout from Berliner's essay for the online news site The Free Press . It angered many of his colleagues, led NPR leaders to announce monthly internal reviews of the network's coverage, and gave fresh ammunition to conservative and partisan Republican critics of NPR, including former President Donald Trump.

Conservative activist Christopher Rufo is among those now targeting NPR's new chief executive, Katherine Maher, for messages she posted to social media years before joining the network. Among others, those posts include a 2020 tweet that called Trump racist and another that appeared to minimize rioting during social justice protests that year. Maher took the job at NPR last month — her first at a news organization .

In a statement Monday about the messages she had posted, Maher praised the integrity of NPR's journalists and underscored the independence of their reporting.

"In America everyone is entitled to free speech as a private citizen," she said. "What matters is NPR's work and my commitment as its CEO: public service, editorial independence, and the mission to serve all of the American public. NPR is independent, beholden to no party, and without commercial interests."

The network noted that "the CEO is not involved in editorial decisions."

In an interview with me later on Monday, Berliner said the social media posts demonstrated Maher was all but incapable of being the person best poised to direct the organization.

"We're looking for a leader right now who's going to be unifying and bring more people into the tent and have a broader perspective on, sort of, what America is all about," Berliner said. "And this seems to be the opposite of that."

Conservative critics of NPR are now targeting its new chief executive, Katherine Maher, for messages she posted to social media years before joining the public radio network last month. Stephen Voss/Stephen Voss hide caption

Conservative critics of NPR are now targeting its new chief executive, Katherine Maher, for messages she posted to social media years before joining the public radio network last month.

He said that he tried repeatedly to make his concerns over NPR's coverage known to news leaders and to Maher's predecessor as chief executive before publishing his essay.

Berliner has singled out coverage of several issues dominating the 2020s for criticism, including trans rights, the Israel-Hamas war and COVID. Berliner says he sees the same problems at other news organizations, but argues NPR, as a mission-driven institution, has a greater obligation to fairness.

"I love NPR and feel it's a national trust," Berliner says. "We have great journalists here. If they shed their opinions and did the great journalism they're capable of, this would be a much more interesting and fulfilling organization for our listeners."

A "final warning"

The circumstances surrounding the interview were singular.

Berliner provided me with a copy of the formal rebuke to review. NPR did not confirm or comment upon his suspension for this article.

In presenting Berliner's suspension Thursday afternoon, the organization told the editor he had failed to secure its approval for outside work for other news outlets, as is required of NPR journalists. It called the letter a "final warning," saying Berliner would be fired if he violated NPR's policy again. Berliner is a dues-paying member of NPR's newsroom union but says he is not appealing the punishment.

The Free Press is a site that has become a haven for journalists who believe that mainstream media outlets have become too liberal. In addition to his essay, Berliner appeared in an episode of its podcast Honestly with Bari Weiss.

A few hours after the essay appeared online, NPR chief business editor Pallavi Gogoi reminded Berliner of the requirement that he secure approval before appearing in outside press, according to a copy of the note provided by Berliner.

In its formal rebuke, NPR did not cite Berliner's appearance on Chris Cuomo's NewsNation program last Tuesday night, for which NPR gave him the green light. (NPR's chief communications officer told Berliner to focus on his own experience and not share proprietary information.) The NPR letter also did not cite his remarks to The New York Times , which ran its article mid-afternoon Thursday, shortly before the reprimand was sent. Berliner says he did not seek approval before talking with the Times .

NPR defends its journalism after senior editor says it has lost the public's trust

Berliner says he did not get permission from NPR to speak with me for this story but that he was not worried about the consequences: "Talking to an NPR journalist and being fired for that would be extraordinary, I think."

Berliner is a member of NPR's business desk, as am I, and he has helped to edit many of my stories. He had no involvement in the preparation of this article and did not see it before it was posted publicly.

In rebuking Berliner, NPR said he had also publicly released proprietary information about audience demographics, which it considers confidential. He said those figures "were essentially marketing material. If they had been really good, they probably would have distributed them and sent them out to the world."

Feelings of anger and betrayal inside the newsroom

His essay and subsequent public remarks stirred deep anger and dismay within NPR. Colleagues contend Berliner cherry-picked examples to fit his arguments and challenge the accuracy of his accounts. They also note he did not seek comment from the journalists involved in the work he cited.

Morning Edition host Michel Martin told me some colleagues at the network share Berliner's concerns that coverage is frequently presented through an ideological or idealistic prism that can alienate listeners.

"The way to address that is through training and mentorship," says Martin, herself a veteran of nearly two decades at the network who has also reported for The Wall Street Journal and ABC News. "It's not by blowing the place up, by trashing your colleagues, in full view of people who don't really care about it anyway."

Several NPR journalists told me they are no longer willing to work with Berliner as they no longer have confidence that he will keep private their internal musings about stories as they work through coverage.

"Newsrooms run on trust," NPR political correspondent Danielle Kurtzleben tweeted last week, without mentioning Berliner by name. "If you violate everyone's trust by going to another outlet and sh--ing on your colleagues (while doing a bad job journalistically, for that matter), I don't know how you do your job now."

Berliner rejected that critique, saying nothing in his essay or subsequent remarks betrayed private observations or arguments about coverage.

Other newsrooms are also grappling with questions over news judgment and confidentiality. On Monday, New York Times Executive Editor Joseph Kahn announced to his staff that the newspaper's inquiry into who leaked internal dissent over a planned episode of its podcast The Daily to another news outlet proved inconclusive. The episode was to focus on a December report on the use of sexual assault as part of the Hamas attack on Israel in October. Audio staffers aired doubts over how well the reporting stood up to scrutiny.

"We work together with trust and collegiality everyday on everything we produce, and I have every expectation that this incident will prove to be a singular exception to an important rule," Kahn wrote to Times staffers.

At NPR, some of Berliner's colleagues have weighed in online against his claim that the network has focused on diversifying its workforce without a concomitant commitment to diversity of viewpoint. Recently retired Chief Executive John Lansing has referred to this pursuit of diversity within NPR's workforce as its " North Star ," a moral imperative and chief business strategy.

In his essay, Berliner tagged the strategy as a failure, citing the drop in NPR's broadcast audiences and its struggle to attract more Black and Latino listeners in particular.

"During most of my tenure here, an open-minded, curious culture prevailed. We were nerdy, but not knee-jerk, activist, or scolding," Berliner writes. "In recent years, however, that has changed."

Berliner writes, "For NPR, which purports to consider all things, it's devastating both for its journalism and its business model."

NPR investigative reporter Chiara Eisner wrote in a comment for this story: "Minorities do not all think the same and do not report the same. Good reporters and editors should know that by now. It's embarrassing to me as a reporter at NPR that a senior editor here missed that point in 2024."

Some colleagues drafted a letter to Maher and NPR's chief news executive, Edith Chapin, seeking greater clarity on NPR's standards for its coverage and the behavior of its journalists — clearly pointed at Berliner.

A plan for "healthy discussion"

On Friday, CEO Maher stood up for the network's mission and the journalism, taking issue with Berliner's critique, though never mentioning him by name. Among her chief issues, she said Berliner's essay offered "a criticism of our people on the basis of who we are."

Berliner took great exception to that, saying she had denigrated him. He said that he supported diversifying NPR's workforce to look more like the U.S. population at large. She did not address that in a subsequent private exchange he shared with me for this story. (An NPR spokesperson declined further comment.)

Late Monday afternoon, Chapin announced to the newsroom that Executive Editor Eva Rodriguez would lead monthly meetings to review coverage.

"Among the questions we'll ask of ourselves each month: Did we capture the diversity of this country — racial, ethnic, religious, economic, political geographic, etc — in all of its complexity and in a way that helped listeners and readers recognize themselves and their communities?" Chapin wrote in the memo. "Did we offer coverage that helped them understand — even if just a bit better — those neighbors with whom they share little in common?"

Berliner said he welcomed the announcement but would withhold judgment until those meetings played out.

In a text for this story, Chapin said such sessions had been discussed since Lansing unified the news and programming divisions under her acting leadership last year.

"Now seemed [the] time to deliver if we were going to do it," Chapin said. "Healthy discussion is something we need more of."

Disclosure: This story was reported and written by NPR Media Correspondent David Folkenflik and edited by Deputy Business Editor Emily Kopp and Managing Editor Gerry Holmes. Under NPR's protocol for reporting on itself, no NPR corporate official or news executive reviewed this story before it was posted publicly.

• Katherine Maher
• uri berliner

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Writing an Effective & Essay

Essays are a fundamental part of academic writing and a key way for students to demonstrate their knowledge, critical thinking skills, and mastery of a subject. While essay writing can seem daunting, anyone can produce a strong essay by following some basic guidelines.

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Start with a Clear Thesis. The thesis statement is the core idea that drives your entire essay. It makes a claim that you will support with evidence throughout the body of the paper. Your thesis should be specific, provable, and debatable - not just a general statement of fact. Spend time crafting a clear, concise thesis that lays the foundation for your argument.

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There may be many reasons that individuals and families are not covered by health insurance and that is who we serve. Support Your Thesis with Evidence. Once you have established your thesis, you must provide ample evidence to back it up and convince the reader of your position. Depending on the essay type, this evidence could include facts, expert opinions, logical arguments, examples, textual analysis, and more. Make sure to properly introduce and analyze each piece of evidence to show how it relates to and strengthens your overall thesis.

Structure Your Essay Logically

Like any piece of writing, an essay should have a clear beginning, middle, and end. The introduction captures the reader's attention and presents the thesis. The body paragraphs then use topic sentences to state their main point and provide the supporting evidence. Finally, the conclusion restates the thesis and major arguments in new language, leaving the reader with a strong final impression.

Use Transitions and Strong Style

In addition to a solid structure, essays need to be cohesive and flow smoothly from one idea to the next. Transition words like "furthermore," "in addition," and "however" cue the reader to how the sentences relate. Varying sentence structure and using vivid language can also make your essay more engaging and your arguments more persuasive.

Edit Carefully

Once you have a draft, take the time to revise carefully. Check that your logic is sound, your evidence is integrated smoothly, and your language is clear and precise. Reading aloud can also help you catch grammatical errors. Don't forget to ensure your essay follows proper formatting guidelines as well. By following these key principles - a strong thesis, relevant evidence, logical structure, stylistic techniques, and thorough editing - any student can dramatically improve their essay writing abilities. The more you practice, the easier crafting a cohesive, persuasive essay will become.

How to write essay

Essay writing is a valuable skill that is essential for academic success and effective communication. Whether you are a student, professional, or aspiring writer, mastering the art of essay writing can help you express your thoughts, ideas, and arguments in a clear and organized manner. In this article, we will explore some key tips and strategies to improve your essay writing skills.

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Understand the Purpose: Before you start writing, it is important to understand the purpose of your essay. Are you trying to inform, persuade, or entertain your readers? Clarifying your objectives will help you structure your essay effectively and stay focused on your main points.

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College essay examples

Plan and Outline: A well-organized essay starts with a solid plan and outline. Take the time to brainstorm ideas, research your topic, and create a detailed outline that outlines your introduction, body paragraphs, and conclusion. This will provide you with a roadmap to follow as you write your essay.

How to start a essay

Develop a Strong Thesis Statement: Your thesis statement is the central argument of your essay and should clearly state your main point or position on the topic. Make sure your thesis is specific, concise, and supported by evidence throughout your essay.

Essay writing service

As an AI assistant, I do not provide essay writing services. However, there are many reputable online essay writing services available that offer assistance to students and professionals who need help with their academic or professional writing assignments. When considering using an essay writing service, it is important to do thorough research to ensure you choose a trustworthy and reliable provider. Here are some factors to consider when selecting an essay writing service: Reputation: Look for reviews and testimonials from previous customers to gauge the reputation of the writing service. A reputable service will have positive feedback and a track record of delivering high-quality work. Writers' Qualifications: Check the credentials and qualifications of the writers who will be working on your essay. Make sure they have the necessary expertise and experience in your subject area. Plagiarism Policy: Ensure that the writing service guarantees original and plagiarism-free content. Plagiarism can have serious consequences, so it is essential to work with a service that values academic integrity. Pricing and Payment: Consider the pricing structure of the writing service and ensure that it fits within your budget. Be wary of services that offer extremely low prices, as they may compromise on quality. Customer Support: Look for a writing service that offers reliable customer support and communication channels. It is important to be able to reach out to the service provider with any questions or concerns. Revision Policy: Check if the service offers revisions or edits in case you are not satisfied with the initial draft of your essay. A good writing service should be willing to make revisions to meet your requirements. Remember to always provide clear instructions and guidelines to the writing service to ensure that your essay meets your expectations. Additionally, it is important to review and understand the terms and conditions of the service before placing an order. While essay writing services can be helpful in certain situations, it is crucial to use them responsibly and ethically.

Essay on help

Helping others is a fundamental aspect of human nature that has the power to create positive change and foster connections within communities. Whether it is offering a lending hand to someone in need, providing support during challenging times, or simply being there to listen, acts of help can have a profound impact on both the giver and the recipient. In this essay, we will explore the significance of help and how it plays a vital role in creating a more compassionate and supportive society. One of the most remarkable aspects of help is its ability to create a sense of unity and solidarity among individuals. When we extend a helping hand to others, we are not only providing practical assistance but also showing empathy and compassion. This act of kindness can strengthen bonds between people, build trust, and foster a sense of community spirit. In times of adversity or crisis, the willingness to help one another can bring people together and provide a sense of hope and resilience. Moreover, offering help to those in need can have a ripple effect that extends far beyond the initial act. When we help others, we inspire a spirit of generosity and kindness that can spread to others, creating a chain reaction of positivity and goodwill. Small acts of help, whether it is a simple gesture of kindness or a more significant contribution, have the power to uplift spirits, instill hope, and make a meaningful difference in someone's life. Helping others is also a way to cultivate a sense of gratitude and appreciation for the blessings in our own lives. By extending help to those who are less fortunate or going through difficult times, we gain a deeper understanding of the challenges that others face and develop a greater sense of empathy and compassion. This awareness can lead to a greater appreciation for our own circumstances and a renewed sense of gratitude for the support and resources available to us. In conclusion, the act of help is a powerful and transformative force that has the potential to create positive change, foster connections, and inspire a culture of kindness and compassion. Whether it is a simple act of kindness or a more significant gesture of support, helping others is a fundamental aspect of humanity that brings out the best in us. By embracing the power of help and extending a helping hand to those in need, we can make a meaningful difference in the lives of others and contribute to building a more caring and supportive society for all.

College essay format

When writing a college essay, it is important to follow a specific format to ensure that your essay is well-organized, coherent, and effectively conveys your ideas. Here is a general guideline for the format of a college essay: Title or Heading: Include a title that reflects the main topic or theme of your essay. You can also include your name, course title, instructor's name, and date below the title. Introduction: Start with an attention-grabbing opening sentence or hook that introduces the topic. Provide some background information on the topic and establish the context. End the introduction with a clear thesis statement that states the main argument or purpose of your essay. Body Paragraphs: Each body paragraph should focus on a single main idea or point that supports your thesis. Start each paragraph with a topic sentence that introduces the main idea of the paragraph. Support your main idea with evidence, examples, and analysis. Ensure that there is a logical flow between paragraphs to maintain coherence and clarity. Conclusion: Summarize the main points discussed in the essay. Restate the thesis statement in different words. Provide a concluding thought or reflection that ties back to the introduction or offers a new perspective. References or Works Cited (if applicable): If you have cited sources in your essay, include a list of references or works cited at the end of your essay. Follow the specific citation style required by your instructor (e.g., APA, MLA, Chicago). Formatting: Use a readable font (e.g., Times New Roman, Arial) and standard font size (12 pt). Double-space your essay and use 1-inch margins on all sides. Include a header with your last name and page number on each page. Follow any specific formatting guidelines provided by your college or instructor. Editing and Proofreading: Revise your essay for clarity, coherence, and conciseness. Check for grammar, punctuation, and spelling errors. Ask someone else to read your essay and provide feedback. Remember that the specific requirements for a college essay format may vary depending on the institution or instructor. It is important to carefully read and follow the guidelines provided for each assignment to ensure that your essay meets the required format and standards.

Of course! I can provide you with some general guidance on writing an essay. Here are some key steps to help you get started: Understand the Assignment: Carefully read and understand the essay prompt or assignment guidelines. Identify the topic, purpose, and requirements of the essay. Choose a Topic: Select a topic that interests you and aligns with the assignment requirements. Brainstorm ideas, conduct research if necessary, and narrow down your focus. Develop a Thesis Statement: Craft a clear and concise thesis statement that presents the main argument or central idea of your essay. Your thesis should guide the direction of your writing and provide a framework for your arguments. Create an Outline: Outline the structure of your essay, including the introduction, body paragraphs, and conclusion. Organize your main points and supporting details in a logical sequence. Write the Introduction: Start with a compelling hook to grab the reader's attention. Provide background information on the topic and context. Present your thesis statement at the end of the introduction. Write the Body Paragraphs: Each body paragraph should focus on a single main idea or argument that supports your thesis. Start with a topic sentence that introduces the main point of the paragraph. Support your arguments with evidence, examples, and analysis. Ensure smooth transitions between paragraphs to maintain coherence. Write the Conclusion: Summarize the main points discussed in the essay. Restate the thesis statement in different words. Provide a closing thought or suggestion for further reflection. Revise and Edit: Review your essay for clarity, coherence, and consistency. Check for grammar, punctuation, and spelling errors. Consider the overall structure and flow of your essay. Seek feedback from peers, instructors, or writing tutors for additional input. Cite Your Sources (if applicable): If you use external sources in your essay, make sure to properly cite them according to the required citation style (e.g., APA, MLA, Chicago). Finalize Your Essay: Make any necessary revisions based on feedback and proofread your essay one last time before submitting it. Remember, practice is key to improving your essay writing skills. The more you write and receive feedback, the better you will become at crafting well-structured and compelling essays.

Writing an Effective Essay Essays are a fundamental part of academic writing and a key way for students to demonstrate their knowledge, critical thinking skills, and mastery of a subject. While essay writing can seem daunting, anyone can produce a strong essay by following some basic guidelines. Start with a Clear Thesis The thesis statement is the core idea that drives your entire essay. It makes a claim that you will support with evidence throughout the body of the paper. Your thesis should be specific, provable, and debatable - not just a general statement of fact. Spend time crafting a clear, concise thesis that lays the foundation for your argument. Support Your Thesis with Evidence Once you have established your thesis, you must provide ample evidence to back it up and convince the reader of your position. Depending on the essay type, this evidence could include facts, expert opinions, logical arguments, examples, textual analysis, and more. Make sure to properly introduce and analyze each piece of evidence to show how it relates to and strengthens your overall thesis. Structure Your Essay Logically Like any piece of writing, an essay should have a clear beginning, middle, and end. The introduction captures the reader's attention and presents the thesis. The body paragraphs then use topic sentences to state their main point and provide the supporting evidence. Finally, the conclusion restates the thesis and major arguments in new language, leaving the reader with a strong final impression. Use Transitions and Strong Style In addition to a solid structure, essays need to be cohesive and flow smoothly from one idea to the next. Transition words like "furthermore," "in addition," and "however" cue the reader to how the sentences relate. Varying sentence structure and using vivid language can also make your essay more engaging and your arguments more persuasive. Edit Carefully Once you have a draft, take the time to revise carefully. Check that your logic is sound, your evidence is integrated smoothly, and your language is clear and precise. Reading aloud can also help you catch grammatical errors. Don't forget to ensure your essay follows proper formatting guidelines as well. By following these key principles - a strong thesis, relevant evidence, logical structure, stylistic techniques, and thorough editing - any student can dramatically improve their essay writing abilities. The more you practice, the easier crafting a cohesive, persuasive essay will become.

On the Importance of Helping Others From a young age, we are taught that it is better to give than to receive. Helping others, whether through charitable acts, volunteer work, or simple good deeds, is a value that is universally extolled. And there are good reasons why: helping others not only makes the world a better place, but it enriches our own lives in profound ways. At its core, helping others is an act of empathy and compassion. When we extend ourselves to assist someone in need, we are acknowledging our shared humanity and responsibility for one another. We recognize that all people want to be happy, healthy, and free from suffering. By taking the time to understand someone else's struggles and lend a hand, we build connections that unite us as a society. Helping others also enables us to make a tangible, positive impact on the world around us. Whether volunteering at a soup kitchen, tutoring a student, or helping a neighbor carry groceries, we improve lives through our actions. These acts of service create a ripple effect of generosity that makes communities more caring and resilient. We become agents of change. On a personal level, helping others is tremendously rewarding and fulfilling. Studies show that giving back reduces stress, fights depression, gives a sense of purpose, and increases life satisfaction. The feelings of gratitude and connection we experience when we give selflessly are powerful. Helping others makes us happier and healthier, both mentally and physically. Of course, not everyone is capable of making large humanitarian efforts or donations. But every one of us can find ways, both big and small, to offer assistance and kindness to those around us. We can volunteer our time, open our wallets, lend an ear, or simply extend empathy and compassion through our words and actions. Even the smallest acts of generosity can make someone's day brighter. Ultimately, helping others is one of the highest expressions of human excellence. It requires us to be selfless, kind, and solutions-oriented. It celebrates our finest qualities of service, charity, and goodwill. In a world that can be harsh and indifferent, the simple act of offering help is a powerful way to make a profound difference, for others and for ourselves.

College Essay Format College application essays are usually pretty short, so formatting is crucial to making the most of every word. While requirements vary from college to college, you'll generally be expected to follow these guidelines: Length: Around 500-650 words is common. Some colleges may want shorter essays (200-300 words) while others go up to 800-1000 words. Font: Use an easily readable font like Times New Roman, Arial, or Calibri. The font size should be 10-12 points with standard margins around the text. Heading: At the top of the page, include a heading with the following: Your name The application deadline/essay prompt or topic The word count Spacing: Use 1.5 or double spacing between lines. The essay should be left-aligned. Title: Some colleges want a creative title for the essay, while others prefer just a heading (see above). If including a title, make it interesting yet relevant. Introduction: The first paragraph should grab the reader's attention with a personal anecdote, quote, question, vivid details, etc. End with your thesis statement. Body: Aim for 2-4 body paragraphs. Use topic sentences and concrete examples/details to develop your main ideas and showcase your personality, interests, goals, etc. Conclusion: Wrap up by revisiting your main points and reiterating your thesis. Leave the reader with an interesting final perspective or insightful conclusion. Formatting Extras: Page numbers (unless specified not to include them) Your name on each page (some colleges require this) Single-space after periods Check the application instructions carefully, as some colleges have additional or alternate formatting requirements. But following the standard format above is a wise strategy for most essays.

Start with an Outline Before putting pen to paper (or fingers to keyboard), map out your essay with a detailed outline. This will help organize your thoughts and ensure your essay flows logically from one point to the next. Hook the Reader The introduction should grab the reader's attention right away. Consider using an interesting fact, statistic, quote, anecdote, or thought-provoking question to pique their interest. Develop a Clear Thesis Statement The thesis statement is the backbone of your essay. It should concisely summarize the main argument or idea you plan to prove or analyze. Make sure your thesis is specific, focused, and provable. Use Relevant Evidence and Examples Support your main points with relevant evidence from credible sources like academic journals, expert opinions, literary texts, etc. Analyze this evidence and explain how it relates to and strengthens your argument. Address Counterarguments No argument is airtight. Considering counterarguments shows you have thoroughly researched the topic. Refute these counterpoints respectfully using facts and logic. Vary Sentence Structure Avoid choppiness by varying your sentence structure. Longer, more complex sentences can establish deeper insights. But don't neglect short, punchy sentences for emphasis. Be Specific with Word Choice Use precise language and avoid vague or ambiguous words. Clear, specific word choice strengthens your writing and arguments. Revise and Edit Carefully Leave time to revise and edit your draft carefully. Check for errors, unclear phrasing, weak points, and opportunities to condense or clarify. Reading aloud can help catch mistakes. Use Transitions Transition words like "furthermore," "in addition," "however," etc. clarify how your ideas relate and progress. This creates smooth flow between sentences and paragraphs. Write a Strong Conclusion The conclusion should restate your thesis and summarize your key arguments in a new, compelling way. Consider ending with an insightful perspective or thought-provoking question. With focus, substance, and polish, you can craft an impressive essay that effectively communicates your ideas and arguments to readers.

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12 jurors have been picked for Donald Trump’s hush money trial. Selection of alternates is ongoing

A jury of 12 people was seated Thursday in former President Donald Trump’s history-making hush money trial. (AP Production: Javier Arciga)

Two jurors in former President Donald Trump’s hush money trial were dismissed Thursday, one after expressing doubt about her ability to be fair and impartial and the other over concerns that some of his answers in court may not have been accurate.

A jury of 12 people was seated Thursday in former President Donald Trump’s history-making hush money trial, propelling the proceedings closer to opening statements and the start of weeks of dramatic testimony.

Former President Donald Trump holds up news clippings as he speaks following his trial at Manhattan criminal court in New York on Thursday, April 18, 2024. (Timothy A. Clary/Pool Photo via AP)

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Former President Donald Trump speaks with the media while holding news clippings following his trial at Manhattan criminal court in New York on Thursday, April 18, 2024. (Brendan McDermid/Pool Photo via AP)

Former President Donald Trump awaits the start of proceedings during jury selection at Manhattan criminal court, Thursday, April 18, 2024 in New York.(Brendan McDermid/Pool Photo via AP)

Former President Donald Trump awaits the start of proceedings during jury selection at Manhattan criminal court, Thursday, April 18, 2024 in New York.(Jeenah Moon/Pool Photo via AP)

Former President Donald Trump speaks alongside attorney Todd Blanche as they return from a lunch break in his trial at Manhattan criminal court in New York on Thursday, April 18, 2024. (Jabin Botsford/The Washington Post via AP, Pool)

Former President Donald Trump gestures, while he returns to Manhattan criminal court in New York, Thursday, April 18, 2024. (Brendan McDermid/Pool Photo via AP)

Former President Donald Trump walks out of the courtroom during a break at Manhattan criminal court in New York, Thursday, April 18, 2024. (Jabin Botsford/The Washington Post via AP, Pool)

Former President Donald Trump, second from left, watches juror number d2 speak at the podium to Judge Juan Merchan in Manhattan criminal court regarding her desire to be excused from the jury after " sleeping on it” and having concerns about her ability to be fair and impartial, Thursday, April 18, 2024, in New York. (Elizabeth Williams via AP, Pool)

Former President Donald Trump, seated far left, looks on with Judge Juan Merchan presiding as members of the jury panel answer questions from the jury questionnaire in Manhattan criminal court Thursday, April 18, 2024, in New York. (Elizabeth Williams via AP, Pool)

Former President Donald Trump awaits the start of proceedings during jury selection at Manhattan criminal court, Thursday, April 18, 2024 in New York. (Brendan McDermid/Pool Photo via AP)

Former President Donald Trump holds up news clippings as he speaks following his trial at Manhattan criminal court in New York on Thursday, April 18, 2024. Attorney Todd Blanche listens at left. (Brendan McDermid/Pool Photo via AP)

Former President Donald Trump appears at Manhattan criminal court during jury selection in New York, Thursday, April 18, 2024. (Brendan McDermid/Pool Photo via AP)

Former President Donald Trump awaits the start of proceedings during jury selection at Manhattan criminal court, Thursday, April 18, 2024 in New York. (Jeenah Moon/Pool Photo via AP)

Former President Donald Trump appears at Manhattan criminal court during jury selection in New York, Thursday, April 18, 2024. (Jabin Botsford/The Washington Post via AP, Pool)

NEW YORK (AP) — A jury of 12 people was seated Thursday in former President Donald Trump’s history-making hush money trial , propelling the proceedings closer to opening statements and the start of weeks of dramatic testimony.

The court quickly turned to selecting alternate jurors, with the process on track to wrap up by the end of the week. Prosecutors could begin presenting their case early next week.

What to know about Trump’s hush money trial:

• Read highlights from opening statements and the first witness testimony.
• Trump will be first ex-president on criminal trial. Here’s what to know about the hush money case.
• A jury of his peers: A look at how jury selection will work in Donald Trump’s first criminal trial .
• Trump is facing four criminal indictments, and a civil lawsuit. You can track all of the cases here.

The jury of Manhattanites includes a sales professional, a software engineer, a security engineer, a teacher, a speech therapist, multiple lawyers, an investment banker and a retired wealth manager.

The first-ever trial of a former American president is unfolding in New York during this year’s race for the White House, meaning the presumptive Republican nominee will spend his days in court confronted by salacious and unflattering testimony about his personal life while simultaneously campaigning to reclaim the office he held for four years.

He’s made clear his determination to use his legal jeopardy, already a central issue in the race against Democratic incumbent Joe Biden, to his advantage. After a full day of jury selection, he complained to reporters that he should have been out campaigning but was in court instead for what he said was a “very unfair trial.”

“Everybody’s outraged by it,” he said. “You know the whole world’s watching this New York scam.”

Jury selection proceeded at a plodding pace earlier Thursday when two jurors were dismissed, one after expressing doubt about her ability to be fair following disclosure of details about her identity and the other over concerns that some of his answers in court may have been inaccurate.

But lawyers who began the day with only five jurors settled on the remaining seven in quick succession, along with one alternate. Judge Juan Merchan has said his goal is to have six alternates.

The process of picking a jury is a critical phase in any criminal trial but especially so when the defendant is a former president and the presumptive Republican nominee. Prospective jurors have been grilled on their social media posts, personal lives and political views as the lawyers and judge search for any bias that would prevent them from being impartial.

Inside the court, there’s broad acknowledgment of the futility in trying to find jurors without knowledge of Trump. A prosecutor this week said lawyers were not looking for people who had been “living under a rock for the past eight years.”

Former president Donald Trump, comments after visiting a bodega, Tuesday, April 16, 2024, who’s owner was attacked last year in New York. (AP Photo/Yuki Iwamura)

To that end, multiple jurors chosen for the panel acknowledged having personal opinions of Trump or his presidency.

One juror, a man who works in investment banking, earlier described himself as “ambivalent” about Trump, adding, “I might not like some of his policies, but there has been some good” for the country.

A woman picked for the jury said she thought Trump seemed “very selfish and self serving,” adding, “I don’t really appreciate that from any public servant.” Defense lawyers were out of peremptory strikes, which would allow them to dismiss a juror without giving a reason.

The trial centers on a $130,000 payment that Michael Cohen , Trump’s former lawyer and personal fixer, made to porn actor Stormy Daniels to prevent her claims of a sexual encounter with Trump from becoming public in the final days of the 2016 race.

Prosecutors say Trump obscured the true nature of the payments in internal records when his company reimbursed Cohen, who pleaded guilty to federal charges in 2018 and is expected to be a star witness for the prosecution.

Former President Donald Trump addresses the media following the second day of jury selection, Tuesday, April 16, 2024, at Manhattan criminal court in New York. Trump is charged with falsifying business records to cover up a sex scandal during his 2016 campaign. (Justin Lane/Pool Photo via AP)

Trump has denied having a sexual encounter with Daniels, and his lawyers argue that the payments to Cohen were legitimate legal expenses.

Trump faces 34 felony counts of falsifying business records. He could get up to four years in prison if convicted, though it’s not clear that the judge would opt to put him behind bars. Trump would almost certainly appeal any conviction.

Trump faces four criminal cases, but it’s not clear that any others will reach trial before the November election. Appeals and legal wrangling have caused delays in the other three cases charging Trump with plotting to overturn the 2020 election results and with illegally hoarding classified documents .

The jury selection process picked up momentum Tuesday with the selection of seven jurors. But on Thursday, Merchan revealed in court that one of the seven, a cancer nurse, had “conveyed that after sleeping on it overnight she had concerns about her ability to be fair and impartial in this case.”

And though jurors’ names are being kept confidential, the woman told the judge and the lawyers that she had doubts after she said aspects of her identity had been made public.

“Yesterday alone I had friends, colleagues and family push things to my phone regarding questioning my identity as a juror,” she said. “I don’t believe at this point that I can be fair and unbiased and let the outside influences not affect my decision making in the courtroom.”

A second seated juror was dismissed after prosecutors raised concerns that he may not have been honest in answering a jury selection question by saying that he had never been accused or convicted of a crime.

AP AUDIO: 2 jurors dismissed from Trump hush money trial as prosecutors seek to hold ex-president in contempt.

In an AP interview defense attorney Arthur Aidala says the lawyers make sure to check social media pages of potential jurors.

The IT professional was summoned to court to answer questions after prosecutors said they found an article about a person with the same name who had been arrested in the 1990s for tearing down posters pertaining to the political right in suburban Westchester County.

A prosecutor also disclosed that a relative of the man may have been involved in a deferred prosecution agreement in the 1990s with the Manhattan district attorney’s office, which is prosecuting Trump’s case.

Because the juror was questioned Thursday at the judge’s bench, off-microphone and out of earshot of reporters, it was not known whether the man confirmed or denied that either instance was connected to him.

After dismissing from the jury the nurse who had already been selected, Merchan ordered journalists in court not to report prospective jurors’ answers to questions about their current and former employers.

“We just lost, probably, what probably would have been a very good juror for this case, and the first thing that she said was she was afraid and intimidated by the press, all the press, and everything that had happened,” Merchan said.

In other developments, prosecutors asked for Trump to be held in contempt over a series of social media posts this week.

The district attorney’s office on Monday sought a $3,000 fine for Trump for three Truth Social posts they said violated the judge’s gag order limiting what he can say publicly about witnesses. Since then, prosecutors said Trump made seven additional posts that they believe violate the order.

Several of the posts involved an article that referred to former Trump lawyer Michael Cohen as a “serial perjurer,” and one from Wednesday repeated a claim by a Fox News host that liberal activists were lying to get on the jury, said prosecutor Christopher Conroy.

Trump lawyer Emil Bove said Cohen “has been attacking President Trump in public statements,” and Trump was just replying.

The judge already scheduled a hearing for next week on the prosecution’s request for contempt sanctions over Trump’s posts.

Tucker reported from Washington.