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Various Types of Payment Gateways

payment-gateway

Payment gateway is the most important part of E-commerce business.  Customers pay for the products; they have bought from your site through the payment gateways.  In now-a-days, setting up a payment gateway has become very easy. It doesn’t need lots of documentation, verification, huge set up feeds and technical know how to make it work.

Some things to consider before setting up a payment gateway:

  • Set up cost
  • Maintenance cost
  • Time to set up the whole process
  • User interface of the gateway
  • Payment options ( Credit card, Debit card, Netbanking, Mobile wallets etc)
  • Future Support

A payment gateway is an e-commerce thing that allows sellers/buyers to complete their internet transactions via cards/mobile wallets/netbanking, failing of which can lead to a decline in the total sales.

Here are some lists of payment gateways that are helpful  for your e-commerce business:

Instamojo

Instamojo is the easiest way to sell online and collect payments for your products & services in India – with a link, on your website or social media. It is a Bangalore based company. Thousand of users use this towards payments of ebooks, reports, tickets, tutorials, merchandise, invoices services and many more.

This is super easy to setup without any fee or even zero maintenance charges. This is strongly recommended for small businesses.

Top clients of Instamojo:

Shopo(Snapdeal’s app), Online Prasad, Urbanclap, Yourstory and others.

CC Avenue

Launched in 2001, CCAvenue is South Asia’s largest payment gateway solution, helping more than 85% of e-merchants with real time, multi-currency, multiple payment options, online payment payment services. It also supports the largest number of Banks & payment option.

Top clients of CCAvenue: 
MakeMytrip, ClearTrip, Naukri, AirAsia, Yatra, redBus, Myntra and Snapdeal

CITRUS PAY

Citrus is another payment gateway used  by 800million users in India since 2011. T also provides Wallet service to the users. At present, it’s setup fee is Zero, annual maintenance fee is 1200.

Top clients of Citrus Pay: 
ProfitBooks, Emirates, Etihad, Airtel, Meru, Zivame, Esselworld, Kaya, PVR Cinemas and Healthkart

PayUbiz and PayUMoney

PayUbiz is one of the most comprehensive Payment gateways in India for Credit & Debit Cards. It is strongly recommended for Indian market, simple to install, supported by Android and iOS. PayUmoney is the consumer brand of PayU India. It has a wallet solution also for consumers and payment acceptance for e-businesses. It’s setup and maintenance fee both are Zero where PayUbiz charges 4900 upto 29000 as startup fee and it’s maintenance fee is 2400.

Top clients of PayUMoney & PayUbiz: 
Jabong, BookMyShow, Freecharge, Zomato, Goibibo, Olx, Ola, ShopClues, Pepperfry

PAYPAL

Paypal is one of the most widely use payment gateway in the world, therefore it’s the natural choice for Indian e-commerce businesses with a handful of international customers. Across the world it has more than 137 million accounts across 193 markets, compatible with 26 currencies. Paypal offers uploading of cheques through your smartphone’s camera and completion of transaction without having to exit the website.

These are few examples of Payments gateways that people use in e-businesses. Apart from these, we have now options to accept n pay money through mobile wallets.

Article is posted by http://www.shirsendu.com/. To get more latest updates follow us on Facebook, Twitter and in Linkedin.

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BE A SUCCESSFUL FREELANCE WEB-DESIGNER

In this global world, everybody wants their business to grow fast in the world of Internet. They all want their websites to look better and attractive than that of the others. So the demand of a Web Designer is always high. Being a talented web Designer you can always think of starting your own business as freelancer.  As a freelance Web Designer you can fix your own schedule and you can work while sitting in the comfort zone of your home. Website designing is one of the most in-demand jobs in today’s global world. So setting up your career as a Freelance Web Designer can make your dream successful of a good career.

If you have a sound knowledge of web Designing, willingness of business, have time and lots of dedications, here are some tips to become a successful Freelance web Designer

Business Plan                              

First thing you need to do is to make a business plan which can help you a lot. An initial research & planning will help your business to run successfully at present and in future also.

This can be like this:

  • Description: An overall description of your business helps clients to know about everything.
  • About us: It describes about your company and your goal also.
  • Market Research: Helps to plan out your business, know the market and the competitions.
  • Service: A detailed description of your products or services should be listed well.
  • Marketing & Sales: Both the strategies are important for growing up your business.

Investment

Make a list of basic equipment you need to start your freelance web design business.  The most urgent things you need are a computer and a phone.  Besides that you need to register your domain name and hosting your own website. These are the primary investments and it may increase.

Own website

People should know about your works and Internet is the easiest way to reach a maximum number of people at a time. So, to show people your expertise, you need to have your own website. In your website you should clearly mention the services you provide, your contacts, your works. If you have no such heavy work experiences, then provide the smaller ones which you have done.  a few pieces of your works will help people to understand  you and your works.

Branding

The thing how you brand yourself is very much important for your business. It should look professional that will attract the traffics to visit your website and know about you. Many freelance web designers often use their own name as their brand which helps the clients to rely a more on them. An individual can be more flexible in time and rate than any organization.

How much to charge

Before charging for your work, you need to keep in mind the monthly costs like – electric bill, travel, phone bill, rent(if), tax, insurance etc. After paying all these things, you need to keep a handsome amount as your own part. Keeping these in mind you should fix your rate to your clients.

Necessary tools for your work

Being a freelance web designer, you have to keep record of everything, manage time, clients, payments, projects everything. So, it will be helpful for you to use necessary tools (both online & stand-alone software systems) to help us. Harvest, Toggle, Basecamp are examples of such tools.

Organized routine

As a freelance Web designer, when you are handling everything alone, try to follow a routine, like all the research works in the morning, the phone calls in the mid morning, doing own work in the afternoon, like this. A well-maintained routine will never let you skip any important task.

 Keep yourself updated 

There is no age and end of learning. So keep yourself updated with new trends and techniques of web designing to be successful at present & in future.

Freelancing is a little bit tough job in the beginning, but your hard work, dedication can take you to the top level. You just need to be in track and keep your aim fix to prove yourself as a successful freelance Web designer.

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Tips to Hire A Web-Developer

tips to hire a web developer

A Web-Developer is a person who is the most important one for the online face of your company’s website. Among many steps towards a successful IT company, hiring a good web-developer is one of the most important jobs. A developer is the one whose successful and well-managed interaction will lead the online business towards the top of the success.

It is strongly recommended to hire the best one for the sake of your business and. That’s why it is important to hire a right guy to save time and money which can be wasted if you have to change your developer frequently.

Here are some tips which can release your pressure while choosing the most critical hiring:

With the help of Social networking site

Now-a-days most of the people are very much attached to social networking sites like Facebook, Twitter, Linkedin. These can be your media to publish your advertisement for hiring freelance Web-developer.

You can e-mail your known people who can help you in this matter.

DNA First

When you hire web developers, their personal DNA is the most important consideration. It’s true that experience matters but someone’s inner DNA is most important whether he/she is fit for your company or not. How much he/she is interested with your works, time management, dedication, versatility, adaptability, risk-taking character all matters. The works and work-culture are very much different between a large and a small company.  So, how they cope up with every different situation matters a lot for a company.

So, make a list of your requirements and look how many criteria your interviewee matches.

Try something easy

In the very start-up, don’t create panic inside your newly appointed Web-developer by giving him/her anything critical.  Judge him/her with small, non-critical projects. This will help you to see how efficient he/she is in delivering any project, how unique his/her ideas are, how h/she does well in group.

Versatility

In web-world, a new technology takes a few years to grow old and backdated. So, it’s better to hire someone who is interested to learn new technologies. It will be justified to ask an interviewee some questions to know whether h/she is interested to learn new ones. Like this:

  • Which programming language you have learnt lastly?
  • Which is your favorite technique till date?
  • From where you update yourself about new ideas?

Previous experience

Look into the interviewee’s past record. It will help you to know which type of projects he had handled, how much time he consumes in a project. Reviewing your developer’s portfolio will help you to decide if h/she matches your criteria.

Trial period

It’s one of the best ways to work with your developer within a trial period which will help you to understand your employee, how h/she works with others, how h/she takes the challenge of works, time management talent.

Slow in hiring

Be wise and patient while choosing a web-developer, but be sure to fire fast if h/she proves ineffective to your company. Giving chances to a wrong person may hamper your business in long-run. If a talented developer misses his /her deadlines, lacks interest in new works, disappears for any unknown reason – prove it’s time for good-bye. Your wise and quick decision will save your company.

These are some of the tips that you can keep in mind while choosing a Web-Developer for your company. After all a right developer is the key of success of your online face.