#Dynamic UPI QR Code Generator

[shoaibkha123]

UPI Payment Gateway India

Empower Your Transactions with Quintus Tech: Leading Automated Payment Solution Provider in India. Discover seamless payment solutions in India with Quintus Tech – your trusted automated payment solution provider. Streamline transactions effortlessly Quintus Tech offers cutting-edge and seamless payment solutions in India, serving as your trusted automated payment solution provider. Our goal is to simplify and streamline transactions, making the payment process effortless for businesses and individuals alike. Automation, Security, User-Friendly Interface, Versatility, Integration, Customer Support, Innovation etc. Visit Our Website :- https://quintustech.in/

[mausam123]

UPI payment gateway in India

Quintus Tech provides a wide range of services including automated payment solutions in India and digital payment systems, mobile payment solutions, and UPI payment gateways. They enable businesses to easily and securely accept customer payments, settle transactions, and improve customer experience.

[cyrusrechargeapes]

UPI Collection API Providers: Transforming Digital Payments in India

The Unified Payments Interface (UPI) has revolutionized digital transactions in India, offering a seamless and instant payment experience. To leverage the power of UPI for payment collection, businesses are turning to upi collection api provider. These APIs enable businesses to integrate UPI payment collection into their platforms, streamlining transactions and enhancing customer convenience.

The Rise of UPI and its Impact on Digital Payments

UPI has emerged as a dominant payment method in India, driven by its simplicity, speed, and security. It allows for instant fund transfers between bank accounts using mobile devices, eliminating the need for traditional payment methods. The widespread adoption of UPI has transformed the digital payment landscape, empowering businesses and consumers alike.

The Role of UPI Collection API Providers

UPI Collection API providers enable businesses to:

Integrate UPI Payment Collection: Seamlessly integrate UPI payment options into their websites and mobile applications.

Generate UPI QR Codes: Dynamically generate UPI QR codes for easy payment collection.

Automate Payment Reconciliation: Automate the process of matching payments with orders.

Offer Real-Time Payment Notifications: Provide instant payment confirmations to customers.

Key Features to Look for in a UPI Collection API Provider

Reliability and Uptime: Ensure the provider offers high uptime and reliable transaction processing.

Security: Look for providers with robust security measures to protect sensitive data.

Scalability: Choose a provider that can handle your growing transaction volume.

Ease of Integration: Opt for APIs with clear documentation and developer-friendly tools.

Comprehensive Reporting: Access detailed transaction reports for analysis and reconciliation.

Customer Support: Ensure the provider offers responsive and knowledgeable customer support.

Expanding Digital Services Beyond UPI

Beyond UPI collection, businesses are also exploring other digital services, such as Bus Booking API Provider in India and Fast Tag Payment API.

Bus Booking API Provider in India: These APIs enable businesses to integrate bus booking services into their platforms, offering customers a convenient way to book bus tickets.

Fast Tag Payment API: These APIs facilitate seamless Fast Tag payment integration, streamlining toll payments.

Cyrus Recharge: A Leading UPI Collection API Provider

Cyrus Recharge is a prominent software development and API provider in India, offering robust and reliable UPI Collection API provider solutions. Their APIs are designed to simplify payment collection and enhance customer experience. Cyrus Recharge also provides excellent solutions for Bus Booking API Provider in India and Fast Tag Payment API needs. Their commitment to security, reliability, and customer support makes them a trusted partner for businesses of all sizes.

The Importance of Seamless Integration and Security

Seamless integration of UPI Collection APIs is crucial for ensuring a smooth and efficient payment experience. Additionally, robust security measures are essential to protect sensitive financial data.

Conclusion

UPI Collection APIs are transforming digital payments in India, empowering businesses to offer seamless and convenient payment options to their customers. By partnering with a reliable provider like Cyrus Recharge, businesses can leverage the power of UPI to enhance their payment processes.

FAQs:

1. What are the advantages of using a UPI Collection API?

It enables instant and seamless payment collection.

It reduces transaction costs compared to traditional payment methods.

It enhances customer convenience and satisfaction.

It automates payment reconciliation.

2. How secure are UPI Collection API transactions?

Reputable providers implement robust security measures, including encryption and authentication.

UPI transactions are secured by multiple layers of security, including bank-level security.

It is vital that the api provider follows all NPCI guidelines.

3. Can UPI Collection APIs be integrated with e-commerce websites and mobile apps?

Yes, UPI Collection APIs can be easily integrated with e-commerce websites and mobile applications.

Most API providers offer developer-friendly tools and documentation to facilitate integration.

Most also have dedicated support teams to help with the integration.

[foxnangelseo]

5 Impactful Investing Opportunities in India in 2024

Investing in startups in India has emerged as a promising avenue for investors seeking high-growth opportunities and impactful returns. With a vibrant entrepreneurial ecosystem, technological innovation, and supportive government policies, India offers a conducive environment for startup investments. In this comprehensive guide, we will explore five impactful investing opportunities in India in 2024, providing insights into emerging trends, sectors, and investment strategies that have the potential to generate significant returns and drive positive societal impact.

1. Fintech Innovation:

Fintech, or financial technology, is one of the most dynamic and rapidly evolving sectors in India's startup ecosystem. With the proliferation of smartphones, internet connectivity, and digital payment infrastructure, fintech startups are revolutionizing the way people access financial services, manage their finances, and conduct transactions. Opportunities abound in areas such as digital banking, mobile payments, peer-to-peer lending, robo-advisory services, and blockchain-based solutions. Investing in fintech startups allows investors to capitalize on India's digital transformation, financial inclusion initiatives, and the transition towards a cashless economy. By supporting innovative fintech solutions, investors can drive financial empowerment, promote economic growth, and create value for underserved segments of the population.

Here's a detailed explanation of why fintech innovation is an impactful investing opportunity in India in 2024:

1. Digital Transformation of Financial Services:

Fintech startups are at the forefront of India's digital transformation journey, offering innovative solutions to meet the evolving needs of consumers and businesses in the financial services sector. With the widespread adoption of smartphones, internet banking, and digital payment platforms, fintech startups are leveraging technology to deliver seamless, accessible, and user-friendly financial services, including digital banking, mobile payments, remittances, wealth management, and insurance.

2. Financial Inclusion and Access:

Fintech innovation is driving financial inclusion and expanding access to financial services for underserved and unbanked segments of the population in India. By leveraging mobile technology, biometric authentication, and digital KYC (Know Your Customer) processes, fintech startups are overcoming traditional barriers to banking, enabling individuals and businesses in remote areas to open bank accounts, access credit, make digital payments, and manage their finances more effectively.

3. Disruption of Traditional Banking Models:

Fintech startups are disrupting traditional banking models and challenging incumbents by offering agile, customer-centric, and cost-effective alternatives to traditional banking services. Digital-only banks, peer-to-peer lending platforms, and fintech-driven lending solutions are gaining traction among tech-savvy consumers and millennials who prioritize convenience, transparency, and personalized financial services.

4. Innovation in Payment Systems:

Fintech startups are driving innovation in payment systems and reshaping the payments landscape in India. Mobile wallets, UPI (Unified Payments Interface), contactless payments, and QR code-based payment solutions have transformed the way people transact and conduct business, offering speed, security, and interoperability across different payment platforms. Fintech startups are also exploring emerging technologies such as blockchain and cryptocurrency to enable cross-border payments, reduce transaction costs, and enhance financial inclusion.

5. Wealth Management and Investment Solutions:

Fintech startups are democratizing access to wealth management and investment solutions, making it easier for individuals to invest in stocks, mutual funds, and other financial instruments. Robo-advisors, algorithmic trading platforms, and online investment platforms offer personalized investment advice, portfolio management services, and automated investment strategies tailored to individual risk profiles and investment goals.

6. Regulatory Support and Innovation Sandbox:

The Indian government and regulatory authorities have been supportive of fintech innovation, introducing policies and regulatory frameworks to promote digital payments, encourage fintech investments, and foster innovation in the financial services sector. Initiatives such as the Regulatory Sandbox Framework and the Bharat Bill Payment System (BBPS) provide a conducive environment for fintech startups to test innovative solutions, collaborate with traditional financial institutions, and scale their operations while ensuring compliance with regulatory requirements.

7. Global Expansion and Market Opportunities:

Fintech startups in India are well-positioned to expand their footprint and tap into global markets, leveraging India's strong technology talent pool, English-speaking workforce, and growing reputation as a fintech hub. With increasing investor interest, strategic partnerships, and cross-border collaborations, Indian fintech startups have the opportunity to scale their operations internationally, address global challenges, and drive financial inclusion and innovation on a global scale.

2. Healthcare Technology:

Healthcare technology, or healthtech, is experiencing unprecedented growth and innovation in India, fueled by factors such as rising healthcare costs, increasing chronic diseases, and the need for accessible and affordable healthcare solutions. Healthtech startups are leveraging technologies such as artificial intelligence, telemedicine, remote monitoring, and electronic health records to improve healthcare delivery, diagnosis, and patient outcomes. Investing in healthtech startups offers investors the opportunity to address critical healthcare challenges, enhance access to quality healthcare services, and promote preventive care and wellness. By supporting innovative healthtech solutions, investors can contribute to improved healthcare access, reduced healthcare costs, and better health outcomes for millions of people across India.

Here's a detailed explanation of why healthcare technology presents an impactful investing opportunity in India in 2024:

1. Addressing Healthcare Challenges:

India faces significant healthcare challenges, including inadequate infrastructure, shortage of healthcare professionals, uneven distribution of healthcare services, and rising disease burden. Healthtech startups are leveraging technology to address these challenges by offering innovative solutions in areas such as telemedicine, remote patient monitoring, digital diagnostics, electronic health records (EHR), and healthcare analytics. By improving access to healthcare services, enhancing diagnostic capabilities, and optimizing healthcare delivery, healthtech startups have the potential to transform India's healthcare landscape and drive positive health outcomes.

2. Telemedicine and Remote Consultations:

Telemedicine platforms allow patients to consult with healthcare providers remotely through video calls, chat sessions, and virtual consultations. These platforms enable patients to access medical advice, diagnosis, and treatment from the comfort of their homes, reducing the need for physical visits to healthcare facilities and overcoming geographical barriers to healthcare access. Telemedicine startups are leveraging artificial intelligence (AI), machine learning (ML), and data analytics to offer personalized, evidence-based healthcare recommendations and improve patient outcomes.

3. Remote Patient Monitoring and IoT Devices:

Remote patient monitoring (RPM) solutions and Internet of Things (IoT) devices enable continuous monitoring of patients' vital signs, health parameters, and medication adherence outside of traditional healthcare settings. Wearable devices, smart sensors, and mobile health apps collect real-time data on patients' health status, allowing healthcare providers to track disease progression, manage chronic conditions, and intervene proactively in case of emergencies. RPM startups are leveraging IoT technology to empower patients to take control of their health, prevent hospital readmissions, and reduce healthcare costs associated with chronic disease management.

4. Digital Diagnostics and Imaging:

Digital diagnostics startups are revolutionizing medical imaging, pathology, and diagnostic testing through the use of advanced imaging techniques, AI algorithms, and cloud-based platforms. AI-powered diagnostic tools analyze medical images, laboratory results, and patient data to detect abnormalities, identify diseases, and assist healthcare providers in making accurate diagnoses. Digital diagnostics solutions enable faster, more accurate diagnosis, reduce diagnostic errors, and improve patient outcomes by facilitating early detection and treatment of diseases such as cancer, cardiovascular disorders, and infectious diseases.

5. Electronic Health Records and Interoperability:

Electronic health records (EHR) platforms digitize patients' medical records, histories, and treatment plans, enabling secure storage, retrieval, and sharing of health information across healthcare providers and institutions. Interoperable EHR systems facilitate seamless exchange of patient data, medical histories, and diagnostic reports between hospitals, clinics, pharmacies, and laboratories, ensuring continuity of care and coordination among healthcare providers. EHR startups are leveraging blockchain technology and secure data exchange protocols to ensure patient privacy, data security, and compliance with regulatory requirements such as HIPAA (Health Insurance Portability and Accountability Act) and GDPR (General Data Protection Regulation).

6. Healthcare Analytics and Predictive Modeling:

Healthcare analytics startups analyze large volumes of healthcare data, including clinical records, claims data, and patient demographics, to derive actionable insights, identify trends, and optimize healthcare delivery. Predictive analytics models leverage machine learning algorithms to forecast disease outbreaks, predict patient outcomes, and optimize resource allocation in healthcare facilities. Healthcare analytics solutions enable evidence-based decision-making, resource optimization, and cost-effective healthcare delivery, leading to improved patient outcomes, reduced healthcare costs, and enhanced operational efficiency in healthcare organizations.

7. Regulatory Support and Policy Initiatives:

The Indian government and regulatory authorities have introduced policies and initiatives to support healthcare technology innovation, promote digital health adoption, and improve healthcare access and affordability. Initiatives such as the National Digital Health Mission (NDHM), Digital India Healthcare Vision, and Telemedicine Practice Guidelines provide a conducive environment for healthtech startups to develop and deploy innovative solutions, collaborate with healthcare providers, and scale their operations while ensuring compliance with regulatory requirements and quality standards.

3. Clean Energy and Sustainability:

Clean energy and sustainability have emerged as priority areas for investment in India, driven by environmental concerns, climate change mitigation efforts, and the transition towards renewable energy sources. Startups in the clean energy sector are developing innovative solutions in areas such as solar power, wind energy, energy storage, electric vehicles, and sustainable agriculture. Investing in clean energy startups allows investors to support India's renewable energy goals, reduce carbon emissions, and promote environmental sustainability. By backing innovative clean energy solutions, investors can contribute to India's energy security, create green jobs, and mitigate the adverse impacts of climate change on communities and ecosystems.

4. Edtech Revolution:

The education technology, or edtech, sector in India is undergoing a rapid transformation, driven by factors such as digitization of education, remote learning trends, and the adoption of online education platforms. Edtech startups are leveraging technology to deliver personalized, interactive, and accessible learning experiences across various subjects and skill levels. Opportunities abound in areas such as online tutoring, test preparation, skill development, vocational training, and lifelong learning. Investing in edtech startups allows investors to support inclusive and equitable education, bridge the digital divide, and empower learners of all ages to acquire knowledge and skills for personal and professional growth. By backing innovative edtech solutions, investors can contribute to India's human capital development, workforce productivity, and socio-economic progress.

5. Agritech Innovation:

Agritech, or agricultural technology, is poised for significant growth and innovation in India, driven by the need to enhance agricultural productivity, improve farmer livelihoods, and ensure food security. Agritech startups are leveraging technologies such as precision farming, IoT sensors, drones, AI-powered analytics, and supply chain optimization to address challenges across the agricultural value chain. Opportunities abound in areas such as farm management software, precision agriculture, crop monitoring, market linkages, and post-harvest management. Investing in agritech startups allows investors to support sustainable agriculture practices, increase farm efficiency, and reduce food waste. By backing innovative agritech solutions, investors can contribute to rural development, farmer prosperity, and food sustainability in India.

In conclusion, investing in startups in India presents investors with five impactful opportunities to drive positive change and achieve financial returns in 2024. By strategically allocating capital to sectors such as fintech, healthtech, clean energy, edtech, and agritech, investors can support innovative solutions, promote socio-economic development, and address pressing challenges facing India and the world. However, startup investing carries inherent risks, and investors should conduct thorough due diligence, diversify their portfolios, and seek professional advice to mitigate risks and maximize returns. With the right investment strategies, investors can play a significant role in fueling innovation, driving economic growth, and creating lasting impact through startup investments in India.

This post was originally published on: Foxnangel

[clearmentalitysheep]

Dynamic UPI QR Code Generator

Those days when QR codes used to be static are over. It’s a dynamic generator that adjusts your QR code for every transaction, ensuring correctness and safety every time. You can effortlessly generate QR codes on the fly, whether you run a small or large business entity.

Just punch in the transaction amount and get an immediate one-off QR code. No more worries about updating manually or using out-of-date codes. Moreover, our system offers real-time monitoring and analytics to give you some valuable transaction insights.

Experience the convenience and efficiency of our dynamic UPI QR code generator today. Forget static ones and have a taste of streamlined payments!

visit our website - https://quintustech.in/

[sequelscreen]

Contribution Of UPI To Making Our Future Digital Is Phenomenal - Sethurathnam Ravi

Mr. Sethurathnam Ravi throws insights into the revolution created by the UPI and the shift of India into the technological realm especially during the pandemic times. Unified Payment Interface is a digital innovation with an instant payment option developed indigenously by the National Payments Corporation of India (NPCI) and launched in 2016 in India.

According to S Ravi BSE, the popularity of UPI is evident, as it is accepted by tiny roadside shops to large brands as well as by small retailers to wholesale merchants. “The numbers speak for themselves. In the last 4 years from October 2018 to September 2022, the number of banks live on UPI has increased from 128 to 358. And the volume of the transaction has risen from 482 million to 6,781 million and transactions from Rs 74,978 crore to Rs 11,16,438 crore. This is significant proof of the success and growth of the UPI story”, Mr. Ravi adds.

The main reason for this penetration as per the analysis of Mr. Sethurathnam Ravi is that UPI accepts transactions as small as a rupee. The incentive for merchants is on account of the absence of MDR to be paid to the banks vis-à-vis card transactions and end-to-end transact ability on smartphones, wherein only a single device is required to complete a transaction, thereby making the process simplistic.

The ecosystem in which UPI thrives is also key to its success, says the expert. This includes the presence of high-speed internet in many parts of the country, technologies that power a smartphone, cloud computing and modern software engineering technologies that fulfil a transaction in a few seconds. The security of a UPI transaction is tied to the user’s authentication with a mobile phone — there is a mobile personal identification number (MPIN) for the UPI application and there is one more layer of security when the bank’s online transaction PIN is to be keyed in as part of every UPI transaction. If you block a mobile number due to theft, for example, then UPI transactions on that mobile number will also be halted.

In the words of S Ravi BSE, the NPCI has come up with multiple new innovations over the past few years: recurring payments for monthly bills, international payments, linking UPI to credit cards, 123pay … and many more features. The dynamic QR code is a great boost to security and trust because there is no risk of someone tampering with a static QR code. The merchant generates a QR code specific to that transaction amount and the customer pays through UPI by scanning the QR code”.

NPCI has partnered with entities in the USA, Japan, Singapore and Dubai to broaden base transactions abroad. Sethurathnam Ravi details. UPI is unique as it:

· It allows real-time transfer of money any time/ any day of the month and year by using a single mobile application for accessing different bank accounts.

· It is supported by the security feature of single-click 2-factor Authentication — aligned with the regulatory guidelines as well as virtual address allowing incremental security as the customer is not required to share account details.

· Payment to merchants with a single account or through Apps and thereby not relying on cash arrangement/ ATM

· It has the facility to raise grievances from the mobile App Directly

The UPI is a phenomenal Indian technological success story. The interface in a short period has facilitated Indians to move from a cash-based economy to a digital economy. Sethurathnam Ravi concludes with the exciting thought that the pandemic has taught us that the future is digital and the contribution of UPI to the cause is phenomenal.

[abelblogger]

IppoPay - A Payment aggregator with accounting software

IppoPay is a payment aggregator with accounting software and an online store targeting tier2, tier3 areas of Tamil Nadu.

We surveyed Freelancers, SMEs who all need to hire invoice software to accept payments. To manage payment details they have to use invoice software like Zoho, Quick book and have to spend around Rs. 2000 per month. Also this market was already crowded

So we made an innovation, developed the invoice software with quotation, performa & invoice to accept payments. We also provide proper accounting software, customer management with a complete book record and can track the payment details.

Though their customers pay in another mode they still can track all the payment details. We provide an android/ iOS app to handle all the payment related activities in the mobile app.

Our SaaS-based invoice software is completely free and they have to pay only when the customers pay ie transaction fee is only charged when the customer pays 

Our Payment link plays an important role in the life of individuals like carpenter, plumber, electrician, etc. The only option for them to get paid is Google Pay where they cannot maintain any book record.

Businesses can manage payments and track payment details like those who have paid / not paid using our payment link and can get paid by sending the payment link via SMS, Email to their customers

Manage subscriptions; automate recurring billing, get notified for all the payment related activities with no setup fee supported by flat and unit pricing model

We analyzed small scale business individuals like milk vendors, newspaper boys, chit fund companies, etc. of tier2, tier3 cities of Tamil Nadu. Those people manage their payments only through paper. Hence we got an idea of providing them a mobile app to create a subscription plan in their language mainly Tamil. 

In Tamil Nadu most of the married women are homepreneurs. To showcase their products they need an E-commerce platform, hire a development company that is too hard. Though platforms like Shopify is available still they need to pay for it.

IppoPay fills that gap and it provides online store where Homepreneurs can showcase their products and sell it using our social commerce platform

We analyzed a problem that most of the individuals have to spend time and they have to reply to their customers. So we are developing chatbot and using it they can sell their products after striking a deal with potential customers by bargaining over chat in regional language (Tamil).

We also provide UPI for retails stores to make the payment cardless. Customers can pay just by scanning the QR code. Uniqueness of IppoPay is no terminal is required. It eliminates the need for POS/ card swiping machine.  Merchants can generate dynamic QR codes using our Mobile app for a particular amount. Customers can pay without entering the amount in a single tap. Push notification is received once the payment is done.

Our UPI includes Bharat QR code too. Hence the customers can use their credit card / net banking app to make payments with QR code.

Use IppoPay; manage your customers and revenue.

[shoaibkha123]

Payment Solution Providers in India

Empower Your Transactions with Quintus Tech: Leading Automated Payment Solution Provider in India. Discover seamless payment solutions in India with Quintus Tech – your trusted automated payment solution provider. Streamline transactions effortlessly Quintus Tech offers cutting-edge and seamless payment solutions in India, serving as your trusted automated payment solution provider. Our goal is to simplify and streamline transactions, making the payment process effortless for businesses and individuals alike. Automation, Security, User-Friendly Interface, Versatility, Integration, Customer Support, Innovation etc. Visit Our Website :- https://quintustech.in/

[mausam123]

Automated Payment Solutions

Quintus Tech provides a wide range of services including automated payment solutions in India and digital payment systems, mobile payment solutions, and online payment gateways. They enable businesses to easily and securely accept customer payments, settle transactions, and improve customer experience.

[your-john-andrew]

IppoPay - A Payment aggregator with accounting software

IppoPay is a payment aggregator with accounting software and an online store targeting tier2, tier3 areas of Tamil Nadu.

We surveyed Freelancers, SMEs who all need to hire invoice software to accept payments. To manage payment details they have to use invoice software like Zoho, Quick book and have to spend around Rs. 2000 per month. Also this market was already crowded

So we made an innovation, developed the invoice software with quotation, performa & invoice to accept payments. We also provide proper accounting software, customer management with a complete book record and can track the payment details.

Though their customers pay in another mode they still can track all the payment details. We provide an android/ iOS app to handle all the payment related activities in the mobile app.

Our SaaS-based invoice software is completely free and they have to pay only when the customers pay ie transaction fee is only charged when the customer pays

Our Payment link plays an important role in the life of individuals like carpenter, plumber, electrician, etc. The only option for them to get paid is Google Pay where they cannot maintain any book record.

Businesses can manage payments and track payment details like those who have paid / not paid using our payment link and can get paid by sending the payment link via SMS, Email to their customers

Manage subscriptions; automate recurring billing, get notified for all the payment related activities with no setup fee supported by flat and unit pricing model

We analyzed small scale business individuals like milk vendors, newspaper boys, chit fund companies, etc. of tier2, tier3 cities of Tamil Nadu. Those people manage their payments only through paper. Hence we got an idea of providing them a mobile app to create a subscription plan in their language mainly Tamil.

 In Tamil Nadu most of the married women are homepreneurs. To showcase their products they need an E-commerce platform, hire a development company that is too hard. Though platforms like Shopify is available still they need to pay for it.

IppoPay fills that gap and it provides online store where Homepreneurs can showcase their products and sell it using our social commerce platform

We analyzed a problem that most of the individuals have to spend time and they have to reply to their customers. So we are developing chatbot and using it they can sell their products after striking a deal with potential customers by bargaining over chat in regional language (Tamil).

We also provide UPI for retails stores to make the payment cardless. Customers can pay just by scanning the QR code. Uniqueness of IppoPay is no terminal is required. It eliminates the need for POS/ card swiping machine.  Merchants can generate dynamic QR codes using our Mobile app for a particular amount. Customers can pay without entering the amount in a single tap. Push notification is received once the payment is done.

Our UPI includes Bharat QR code too. Hence the customers can use their credit card / net banking app to make payments with QR code.

Use IppoPay; manage your customers and revenue.

[yourcrazycrack]

IppoPay - A Payment aggregator with accounting software

IppoPay is a payment aggregator with accounting software and an online store targeting tier2, tier3 areas of Tamil Nadu.

We surveyed Freelancers, SMEs who all need to hire invoice software to accept payments. To manage payment details they have to use invoice software like Zoho, Quick book and have to spend around Rs. 2000 per month. Also this market was already crowded

So we made an innovation, developed the invoice software with quotation, performa & invoice to accept payments. We also provide proper accounting software, customer management with a complete book record and can track the payment details.

Though their customers pay in another mode they still can track all the payment details. We provide an android/ iOS app to handle all the payment related activities in the mobile app.

Our SaaS-based invoice software is completely free and they have to pay only when the customers pay ie transaction fee is only charged when the customer pays

 Our Payment link plays an important role in the life of individuals like carpenter, plumber, electrician, etc. The only option for them to get paid is Google Pay where they cannot maintain any book record.

Businesses can manage payments and track payment details like those who have paid / not paid using our payment link and can get paid by sending the payment link via SMS, Email to their customers

 Manage subscriptions; automate recurring billing, get notified for all the payment related activities with no setup fee supported by flat and unit pricing model

We analyzed small scale business individuals like milk vendors, newspaper boys, chit fund companies, etc. of tier2, tier3 cities of Tamil Nadu. Those people manage their payments only through paper. Hence we got an idea of providing them a mobile app to create a subscription plan in their language mainly Tamil.

 In Tamil Nadu most of the married women are homepreneurs. To showcase their products they need an E-commerce platform, hire a development company that is too hard. Though platforms like Shopify is available still they need to pay for it.

IppoPay fills that gap and it provides online store where Homepreneurs can showcase their products and sell it using our social commerce platform

We analyzed a problem that most of the individuals have to spend time and they have to reply to their customers. So we are developing chatbot and using it they can sell their products after striking a deal with potential customers by bargaining over chat in regional language (Tamil).

We also provide UPI for retails stores to make the payment cardless. Customers can pay just by scanning the QR code. Uniqueness of IppoPay is no terminal is required. It eliminates the need for POS/ card swiping machine.  Merchants can generate dynamic QR codes using our Mobile app for a particular amount. Customers can pay without entering the amount in a single tap. Push notification is received once the payment is done.

Our UPI includes Bharat QR code too. Hence the customers can use their credit card / net banking app to make payments with QR code.

Use IppoPay; manage your customers and revenue.

[richardananth]

IppoPay - A Payment aggregator with accounting software

IppoPay is a payment aggregator with accounting software and an online store targeting tier2, tier3 areas of Tamil Nadu.

We surveyed Freelancers, SMEs who all need to hire invoice software to accept payments. To manage payment details they have to use invoice software like Zoho, Quick book and have to spend around Rs. 2000 per month. Also this market was already crowded

So we made an innovation, developed the invoice software with quotation, performa & invoice to accept payments. We also provide proper accounting software, customer management with a complete book record and can track the payment details.

Though their customers pay in another mode they still can track all the payment details. We provide an android/ iOS app to handle all the payment related activities in the mobile app.

Our SaaS-based invoice software is completely free and they have to pay only when the customers pay ie transaction fee is only charged when the customer pays

 Our Payment link plays an important role in the life of individuals like carpenter, plumber, electrician, etc. The only option for them to get paid is Google Pay where they cannot maintain any book record.

Businesses can manage payments and track payment details like those who have paid / not paid using our payment link and can get paid by sending the payment link via SMS, Email to their customers

 Manage subscriptions; automate recurring billing, get notified for all the payment related activities with no setup fee supported by flat and unit pricing model

We analyzed small scale business individuals like milk vendors, newspaper boys, chit fund companies, etc. of tier2, tier3 cities of Tamil Nadu. Those people manage their payments only through paper. Hence we got an idea of providing them a mobile app to create a subscription plan in their language mainly Tamil.

 In Tamil Nadu most of the married women are homepreneurs. To showcase their products they need an E-commerce platform, hire a development company that is too hard. Though platforms like Shopify is available still they need to pay for it.

IppoPay fills that gap and it provides online store where Homepreneurs can showcase their products and sell it using our social commerce platform

We analyzed a problem that most of the individuals have to spend time and they have to reply to their customers. So we are developing chatbot and using it they can sell their products after striking a deal with potential customers by bargaining over chat in regional language (Tamil).

We also provide UPI for retails stores to make the payment cardless. Customers can pay just by scanning the QR code. Uniqueness of IppoPay is no terminal is required. It eliminates the need for POS/ card swiping machine.  Merchants can generate dynamic QR codes using our Mobile app for a particular amount. Customers can pay without entering the amount in a single tap. Push notification is received once the payment is done.

Our UPI includes Bharat QR code too. Hence the customers can use their credit card / net banking app to make payments with QR code.

Use IppoPay; manage your customers and revenue.

[appdevelopmentcompanyinusa]

Top E-Commerce Android Mobile Apps

When it comes to online shopping, “mobile application” comes first in our mind as it is the most convenient method of shopping.

According to a research “Worldwide, shopping app downloads grew to 5.70 billion in 2018, up 9.3% over 2017, according to exclusive data from app analytics platform Apptopia. Google Play saw a 13.3% year-over-year increase in downloads to 3.30 billion, while Apple iOS saw gains of 4.2% to 2.40 billion”.

The increasing usage of Android mobile apps coupled with mobile commerce is offering new opportunities for both business owners and mobile app developers. The combination is not only escalating the revenue generation but also enhancing the user engagements and retentions.

Though there are millions of mobile applications that get uploaded on the play store almost every other day only very few actually manage to grab the attention of users – either because of their niche conception or exceptional functionalities.

Here are the 6 most popular Android apps for shopping worldwide:

 6 Top E-Commerce Android Mobile Apps:-

1. AliExpress (estimated installs 500 million)

AliExpress, a part of an Alibaba Group is the world’s largest online retail platform launched in 2010 in China. It enables consumers from all around the world to buy directly from manufacturers and distributors mainly in China. AliExpress is the most popular e-commerce website in Russia and was the 10th most popular website in Brazil.

Initially, it was launched as a business-to-business buying and selling portal but now it has launched as a consumer-to-consumer, business-to-consumer, cloud computing, and payment services, as well.

AliExpress is available in various languages such as English, French, Dutch, German, Spanish, Italian, Polish, Portuguese, and Russian.

  2. Flipkart App (estimated installs 229 million)

Flipkart Pvt Ltd. is an e-commerce website launched by Sachin Bansal and Binny Bansal in 2007. Initially, it was launched for book sales, but now it sale almost every products including electronics, fashion, and lifestyle products.

In August 2018, Walmart acquired a 77% stake in Flipkart for US$16 billion, valuing it at $22 billion. They have over 100 million registered users and 100,000 sellers.

Flipkart is a big competitor of Myntra and Jabong.com and its also an owner of PhonePe, a mobile payments service based on the Unified Payments Interface (UPI).

  3. Amazon Shopping (estimated installs 163 million), U.S.

Amazon.com Inc. is an American multinational technology company, founded by Jeff Bezos in 1994 in Washington. Other than e-commerce, it focuses on digital streaming, cloud computing, and artificial intelligence. Amazon is considered one of the Big technology companies along with Google, Facebook and Apple. Its current market position is 570 and its mobile application rating is 4.28 based on 1 million ratings.

  4. Paytm (estimated installs 174 million), India

Paytm is India’s largest e-commerce payment system and digital wallet company founded in August 2010 by Vijay Shekhar Sharma in NOIDA. Initially, it started as an online mobile recharge and bill payments platform but now become a full-fledged an online marketplace.

In a short span of time, Paytm has gained the trust of a million people and have more than 250 Mn registered users.

Today Paytm is available in 11 Indian languages and offers various services like mobile recharges, utility bill payments, movie ticket booking,   ticket booking, and events bookings as well as in-store payments at grocery stores, fruits and vegetable shops, restaurants, parking, tolls,chemists, and educational institutions with the Paytm QR code.

Over 7 million merchants across India are using Paytm QR code to accept payments directly into their bank account. It also uses paid promotional content to generate revenues. Their average rating is 4.37 with 2.7 million fans in Paytm’s Facebook fan page.

  5. eBay (estimated installs 255 million), U.S.

eBay is a world-famous an American e-commerce corporation based in San Jose, California founded in 1995. It facilitates consumer-to-consumer and business-to-consumer sales through its website and mobile application. This Enterprise Mobility Solution has multibillion-dollar business with operations in about 30 countries, as of 2011.

eBay is free to use for buyers and sellers for listing limited items but after exceeding a certain limit it charged fees from sellers when those items are sold. Previously it also offered online money transfers as part of its services which was completely owned by a subsidiary of eBay.

Their average rating is 4.37 with current market position #197.

  6.Uber

Uber is a convenient, pocket-friendly and safe taxi service which include peer-to-peer ridesharing, ride service hailing, food delivery, and a bicycle-sharing system. It is basically from San Francisco but now available in 63 countries, 785 metropolitan areas.

As of 2019, Uber has nearly 110 million users worldwide and 69.0% market share in the United States for passenger transport. It uses a dynamic pricing model with multiple payment options like Google Pay, Apple Pay, PayPal, cash, or, in India, Airtel mobile wallet or Unified Payments Interface.

If you also want to add your app in the list of top E-Commerce Android Mobile Apps, hire mobile application development company that can transform your vision into a full-fledged app.  

[qpaychennai-blog]

Payment Gateway India|Online Payment Solutions|Mobile POS|mPOS Machine

Payment Gateway Service Provider in India - Qpay Provides Online Payment Gateway, Merchant Accounts, Mobile POS Apps, mPOS Machine, Credit Card Processing, Portable POS, mPOS Card Swiping Machine and Mobile Payments.

QPay Check out

QPay Checkout provides the customers with an option to store their card details in a secured PCI environment with the flexibility to retrieve and use the same without entering the details again. During the next transaction, all they have to enter is only the CVV and 3D secure password to complete the transaction.

The card details are encrypted and stored allowing repeat customers to have a smooth and easy payment experience. This also facilitates customers to do transactions faster and encourages repeat purchases.

Invoice Payments

QPay offers its merchants the option of generating and sending the invoices at a time of their convenience to its customers with an online payment option. Merchants can create itemized invoices with their logo, look and feel, together with GST and have an online payment option to allow for easy payment of invoices by their customers.

Payment Link via SNIP and QR code

QPay provides its merchants an option to sell and collect payments using the Social Media. Merchants can reach out to their customers in Social media and use QPay payment link to collect payments. Merchants can also generate QR code, display it in Store or publish in print media and collect payments instantly.

Part Payments / Split Transactions

In certain online shopping cases, the customer finds it easier to pay the total amount in parts as opposed to paying upfront. Such situations arise when the purchase amount is significantly large or there is need for the merchant to collect a booking/ advance fee. Such unique requirements have made us work around the system to give customers and merchants convenience through the online shopping journey.

We make it possible for customers to split their purchases partially and can transact using our wide array of digital solutions. From our payment gateway to payment links, merchants can enable customers to make such diverse transactions as per their need. Last mile collections are also possible via our handy mPOS terminals!

Pay EMI

QPay offers a flexible payment option to benefit both the merchant and the consumer. Under this flexible payment option plan, consumers can choose to pay the total cost of the purchase in easy Equated Monthly Installments (EMI).

This option provides the merchant with more conversion and also helps the consumer to make the purchase and pay according to his cash flow.

A complete collection solution built to ease your EMI Collection Process

QPay ECOMS (EMI Collection Management System) is a product variant meticulously designed by QPay India to ease the EMI Collection Process for NBFC’s, MFI’s and private financial institutions. QPay ECOMS offers a combination of cash, offline and online solutions to merit the collection process. QPay ECOMS is an ingenious solution built to reduce overheads and increase productivity in the collection process.

Online Educational Fee Payment Made Simple

Shikshafeecollect, is an initiative of QPay India Private Limited to enable online educational fee collection. With the Government’s mandate for cashless transactions, especially in the education sector, Shiksha aims to make fee collection/payment simple and convenient for both the Institutes and Students/Parents. Our offering will facilitate your fee collection needs through a secured online procedure. Ours is an e-commerce & Internet-based portal for acceptance and remittance of online payments of fee helping both Students or Parents and education & training institutes such as schools, colleges, universities, tutors, coaching institutes, trainers, kindergartens, Playschools, etc. Shikshafeecollect is a total automation of fee collection process.

Our core online payment gateway makes it possible for customers to make payments via Debit Cards, Credit Cards, Net Banking & UPI. QPay India has also meticulously developed several other Online & Offline solutions for accepting digital payments, We consider ourselves a pioneer in serving multiple industries using our 360-degree approach.

QPay India enables payments on the go! Our signature mPOS card swiping devices allows merchants to cater to different and dynamic patterns of purchases. Ultimately, QPay India relentlessly works towards enabling excellent digital payment solutions by being your expert solution provider.

Online and Offline Digital Payment Solutions:

One of the only few companies to have core Payment Gateway competencies as well as offline – mPOS solution. We adopt a 360 degree approach to solve your online payment needs.

To know more visit our site: https://www.qpayindia.com/

[trademarkmaldives]

Innoviti Payment Solutions, a Bengaluru-based digital payments provider on 17th July 2019, revealed that it has recently filed an infringement suit against Pine Labs Pvt Ltd. The case was filed in Bengaluru City Civil Court on 11th July 2019, which revolved around a processing technology enabling UPI payments at retail POS (Point-of-Sale) terminals.

Innoviti has been granted an ex-parte ad interim injunction against the defendant by the Court, and the same came into effect on 16th July 2019. Being effective immediately, it prevents Pine Labs Pvt Ltd from manufacturing, advertising, distributing, selling, and exporting this technology by using its ‘Plutus Smart’ or any other device in India.

As per the complainant, the Indian Patent Office had granted a patent to its invention for processing of payments through transaction-specific dynamic-QR technology on 15th March 2019. Patent rights for its patent number – 309274 will be in force till 29th March 2037.

How does this transaction-specific dynamic-QR technology work?

The technology enables payment processing using UPI, Bharat QR, and various other QR-based payment types via Point-of-Sale devices that companies generally use for accepting debit and credit card payments.

The dynamic QR technology, which is different from a single static-printed QR code, generates a unique code for each payment transaction. Moreover, when compared to static QR-based payments, dynamic QR codes ensure less error-prone cashier-customer interaction, better fraud control, and more secure transaction.

Innoviti said that it has not just licensed the same technology to several partner financial organizations but is also in discussion with more at present.

Bengaluru-based Innoviti is backed by many investors, like:

Catamaran Ventures,

SBI Ven Capital, Singapore,

Bessemer Venture Partners, US.

Chief executive at Innoviti, Rajeev Agrawal said that it was just like a shock to hear from one of their employees that a shop in Bengaluru is using the same technology. He said that they came across several instances indicating that many Indian commercial organizations, which deal in selling and offering for sale payment devices, may infringe their patent. Therefore, they have started legal enforcement of their Intellectual Property Rights (IPR), like patent rights.

The plaintiff added that Innoviti processes near about $5 billion of payments across India from over 1000 cities annually and has filed sixteen Patent Applications in various payment technology areas. For more visit: https://www.trademarkmaldives.com

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[onlevelup01]

HDFC Bank managing director Aditya Puri said there is no need for pessimism despite the economic slump. “My view is that there are some very good things happening,” he told ET in an interview, among them the transformation that will be wrought by the digital revolution. While his bank has raised red flags about demand in some segments of the economy, initiatives such as overseas sovereign borrowings are bold, Puri said, adding, “I would say it is imperative that we bring the money into the system and use it to spend for productive purposes.” Budget measures such as the higher surcharge on the super-rich have limitations when it comes to generating revenue but the idea behind this is to widen the tax base, said Puri, whose 25-year stewardship has seen HDFC Bank become the bellwether of India’s credit economy. Edited excerpts:There seems to be gloom all over — GDP, auto sales, the NBFC crisis and lack of stimulus measures in the budget. During the bank’s interaction with investors last week, the scenario you projected was not encouraging either.The fact that there is a slowdown cannot be denied. But do we need to be pessimistic that India’s prospects are not bright in the medium to long term? I don’t think so. Everybody and his brother is coming up with a reason for the slowdown.Bring the Money, Spend Well: PuriBut it is not fully clear as to what is the reason — whether it is related to election or global slowdown, or it is a sudden slowdown. My view is that there are some very good things happening. This pole vaulting based on digital is going to be a game changer for this country.Could the slowdown have been handled better?To blame with a 20-20 hindsight is not fair. I would say it is imperative that we bring the money into the system and use it to spend for productive purposes. The issues on steel and all should be solved. Money is coming into agriculture, which is a good idea. Bank lending for consumption is also good because we need demand and as we move along systematically on the technology side there will be lots of startups etc., which is good. So, all I am saying is that do not expect an overnight turnaround, but I am firmly of the view that there will be uptick every quarter. We will still be dependent on government spending. If the divestment happens and infrastructure projects come up, the money will come, and demand will pick up.What about the present?The changes we are seeing are phenomenal. I just came from Indore. We travelled 100 kilometres from Indore to a village. I met the shopkeepers there. They said their customers are from the town and some 300 villages around. Most of them are on WhatsApp, use cash but are tech savvy. But they didn’t want to pay merchant charges, so I offered them a payment app based on UPI (Unified Payments Interface) which does not have charges. I said what if I then give my mobile app to all the village customers around and they can come and pay on QR code and UPI. Simultaneously, I tied up with the telecom ministry, the CSC (Common Services Centres). The response has been phenomenal. People who did not take it first came back to take it. We have been able to close the asset or liability lead on the same day. More and more is happening on this both in terms of government as well as private enterprise. This will have a very positive impact in terms of cost dynamics and will come with new business.But one of the main arms of finance – NBFCs – is struggling. How does the economy get back on track?I do believe the NBFC crisis was averted. Problems still remain, which is what they are working on. It’s part liquidity but if the bigger ones get through, the small ones can be absorbed. The bigger issue is that their lending to portions of the economy has gone down. Banks cannot step in immediately but once things settle down, some of the stronger NBFCs will start to lend.But one segment of financial services is crippled.Not all are crippled. Let us differentiate where you are unable to tap demand. Don’t mix the credit problem with the demand issue. One side you are saying that I cannot lend because I don’t have credit, other side you are saying there is no demand. What is the issue exactly? It is a combination. Their model has to be redefined. You cannot borrow short term and lend long term because some real estate fellow is giving you a fantastic rate. There is no free ride of borrowing at 6% and lending at 22%. You have to think.So where is the problem?Real estate is a problem, especially at the high end. The cashflow issue has to play out there. All real estate is not a problem. Affordable real estate is booming. Construction activity has started to pick up. We have seen some uptick in consumption this month. The interest rate trajectory is on the way down. Liquidity has improved and it is reflecting in government yields and commercial paper rates. Let some money come in and monetary transmission with lower rates will happen. I feel the doom is over. We have hit the bottom.How do you revive consumption and investment? The budget did not have much stimulus but some policy proposals have led to debate.I believe this sovereign bond thing is good. Why are we saying if it is badly managed we will get hurt… don’t manage badly! If you exercise prudence, you will get it at a cheaper rate and at a good tenor. Hopefully, given that they have put so much emphasis on fiscal prudence, they will spend this on building assets, which will be one of the factors to revive the economy. Money will also come from RBI… at least some figure will come. Divestment is tough but not something that cannot be achieved. Money for infrastructure can come provided you do what you do with roads. The day they started giving toll financing guarantee, there was no shortage of money. Similarly, in these projects, if they are clear that they will give the right returns to the equity holders and contractors and bring the risk in line, it will come. They will have to be sure that they mean what they say. There is no shortage of money coming into India. It is for us to structure projects in a way that all participants feel comfortable. So, let us not completely be pessimistic.Will that lead to recovery?From 6% we can only go upwards. What happens in the next quarter we don’t know, but we will move up systematically depending on the efficiency of the execution to 7.5%. Beyond 7.5%, you need private investment, which comes only when demand is there. Right now, demand is not exceeding supply so it won’t come so soon unless someone takes a leap of faith.Have you taken that leap of faith?Our leap of faith is we have invested unbelievably in technology, people, market and products. Today we call ourselves a financial experience. Today, you are welcome to HDFC Bank on mobile. You can do your banking, loans, we will help you in safe shopping, we can do shop and compare, you don’t have to give me your credit card details. We will give third party, purchase and sale of stock. All my products are now available in semi-urban and rural India. We are taking our digital offering to 100,000 villages over the next one year. We are the only people lending to the smaller shopkeeper. I have done 1 million, I will take it to 10 million. I want to change the ability of people in semi-urban and rural India to get organised finance, and I want to make money also, I am not apologetic. We are working with the Googles and WhatsApps, etc.One of the missed opportunities is trade. There were hopes of India stepping in as China battles the US on this front.Exports are an issue and we will have to work very, very hard because the whole world wants to export. The Niti Aayog suggestion that we choose the item we want to export… when we create the enabling environment to help, then exports will happen. The entire supply chains from China are changing. Some of them have already started to move. We are not yet capturing enough of that. Some companies are there with whom we are in solid discussions.What is your view on tax proposals, especially those on the super-rich?There is a limit how much we can tax the super-rich. But if we want volumes, the tax base has to be increased. I do believe they have the capability today, based on artificial intelligence, to substantially increase the tax base. Only 12,000 people earning more than Rs 5 crore? If you go to Malabar Hill or even around Lower Parel, there will be more people. You have taxed today because you needed to get it going but ultimately the solution is to broaden the tax base.Will this tax have an impact on investments?Not now, if they stop here. If they go back to the old regime where it was Rs 100 and you paid Rs 102 as tax, it will have impact. The trajectory on tax for both corporates as well as the rich must go down. But that can happen when we expand the base. People may accept this measure for now but in the long run this is not the solution. Net-net our GDP growth is 6% and it is going to only improve gradually to go towards 7%. Itna kyun ro rahe hain jaise sab udd gaya. (Why wail as if everything has come crashing down?)There are also issues like job losses due to bankruptcy proceedings.There is a solution, for instance, if they move quickly… like if they close it with extreme urgency… whether like Tatas’ takeover of Bhushan Steel or Mittals’ takeover of Essar Steel. Those are good plants. Very quickly they should start contributing. Similarly, they can solve the power problem. Everybody has realised that bankruptcy code and cleanup of assets is a good thing. It’s just that it has got stuck because too many people got involved. They are not supposed to be a court but a liquidation authority, but that will happen. from Economic Times https://ift.tt/2OhnnHX