Need to use digital payments and apps, And which app is better for payment.

Need to use digital payments and apps, and which app is better for paying



The digital payment scenario in India is going through a huge transformation. Indian consumers have shown tremendous affinity for digital technologies, the growth rate for mobile phones and e-commerce optimization is increasing at the rate of growth in developed economies. The initiative of India's 'Digital India' has come to transform India into a digitally empowered society and is hoping for a knowledge economy. To accelerate awareness, availability and adoption of digital technology







Digital payments deal with payment transactions, such as to send various electronic methods such as cards, internet-based set-ups, to receive money.
The ecosystem includes purchaser (customer), vendor (merchant service provider) and (payment service provider) PSP who is able to transfer the seller's money from the buyer for the product / service.




This PSP offers a variety of digital payment modes - such as National Electronic Funds Transfer (NEFT), National Clearing Services (NECS), Bank Card (Credit, Debit, Pre-Paid), Internet Banking, Mobile Banking. for. Such as purse (PPI), base enabled payment system (AEPG), instant payment services (IMPS), UPI, India Bill Payment System (BBPS)
And now base pay and India QR code.


Increasing the availability of mobile phones by 2020 is expected to be more than 500 million and ubiquitous
Availability of data network infrastructure, further 3G and 4G network rolls and industry-oriented efforts are needed, regulators of governments




India has the world's third largest Internet user base. In addition to 300 million users About 50% is that 150 users are mobile-only intented users.
That's why our government launched a safe and easy to transfer money to the BHIM app


Requirements of registration on BHIIM basis With the availability of smartphones with the availability of smartphone smartphones for smartphones with the internet, along with the availability of smartphones, fingerprint scanners based on their bank base card. more coming soon,




Features of BHIM - More than e-purse; Money prevents money from earning - from direct transactions and in your bank account - faster and cheaper than NEFT, RTGS.
Requirements for registration on BHIM Requirements Smartphone bank account details with internet facility (only for registration) Achievement The BHIIM app is available on Google Play Store, Apple Phone; Phone Number should be registered on your bank 44 banks BHIM;  Select "Scan and Pay"  The app opens a QR Scanner of Scan the QR code of the payer On the details of the payer displayed on the screen, enter the PIN, the transaction can be completed.


Comparison between best payment apps Easy pay-per -see interface
PettyM, Google Tez, and BHIM are relatively easy to use


PETIm does not support the integration of the UPI (Integrated Payment Interface), but it is in the pipeline, the app works on a digital wallet system where you must keep the Wallet connected to your bank account.





PETIm does not support the integration of the UPI (Integrated Payment Interface), but it is in the pipeline, the app works on a digital wallet system where you must keep the Wallet connected to your bank account.
It does not directly reflect the credit money from your bank account, nothing bad at it, because it helps you keep track of the amount of money you are putting into your digital wallet. Many cash-back offers and discounts on the P.T.M transaction gives.
BHIM is based on the UPI, which means that you have to link the app to your bank account to make a transaction.
You can also make those transactions using the IFSC (Indian Financial System Code) and MMID (Mobile Money Identifier) ​​code, which do not have a UPI-based bank account. Transaction with BHIM is also possible through QR code.take your pick
Both BHIM and Faster are UPI-based apps, which give you easy access to quick transactions without the hassle of replenishing your e-wallet regularly
BHIM has additional services such as offline transactions and cash in fast, which adds a lot of value to these two payment apps, though it is new in fast market, it comes with easy easy access interface and for those who want to make quick mobile transactions Looking for, it's perfect for them.
Petty has been in the market since 2013, and it has evolved to become the best digital wallet app that caters to everything from digital payments to shopping on utility payments. The only missing piece in the puzzle is UPI integration.
Despite the app you choose, you can be sure of one thing - your pockets are going to be very light (figuratively speaking)









By: Shubham Pandey,
 Ethical Hacker, Web Developer
 Business Job Contact: qxzqxy@gmail.com