Features of UPI payment gateway explained in detail

After the introduction and implication of UPI (United Payment Interface) in India, the entire payment and transaction method has gone through a drastic change. The major step taken to achieve a cashless economy is no less than a revolution. This new payment method allows users to pay using their smartphones and even virtual debit cards from anywhere, anytime. Through the UPI payment gateway, the instant sending and receiving of money is no longer a dream. Also, the concept of using QR codes has amplified the usage of the UPI payment gateway. Additionally, because of UPI, the usage of digital wallets have significantly reduced.

What is UPI?

Before discussing the features of Unified Payment Interface, we should at least know what UPI is. As the name suggests, Unified Payment Interface is a platform that amalgamates all the existing banking features and services under a single roof. When you go into a bank, you have to use cheques, and withdrawal slips to withdraw money from the bank. Even in online banking, you have to log into your account and request for NEFT, RTGS and IMPS according to your need and that too within a stipulated time frame. But when it comes to UPI, all it requires is a UPI ID and a PIN. Only by using the UPI ID and PIN can you easily send and receive money instantly. And that is not all, users can also make real-time bank to bank payments using a virtual payment address or mobile number through the UPI payment gateway.


A UPI ID is a unique identification number that is linked with a bank account and can be used to send and receive money. And PIN is a combination of unique numbers that authorizes the payment via the UPI payment gateway. The user can freely choose the PIN number on their own.

Features of UPI payment gateway

No minimum transaction limit

A significant feature of UPI is it does not have any minimum transaction limit. You can pay as low as 1 rupee using the payment method.


Reliability is one of the major features of UPI. Customers have total control over their payments and transactions. They do not have to be concerned about their money getting lost along the way.

Real-time transfers

Banks offer services such as NEFT and RTGS, but even they are not real-time transfers. In the case of UPI, all the transactions that are made using this particular payment method are done in real-time. When the sender initiates a payment after clicking the send button, the receiver receives the payment in just a matter of seconds. With this, the daily life activities of people became much easier because paying grocery shops, auto, and returning money to friends after borrowing from them became convenient and straightforward.


In some cases, UPI does not require the internet to make payments. Without using a proper internet or smartphone, payments can be conducted using UPI.

Payment through QR Codes

Using the UPI payment gateway, users can send money just by scanning QR codes. After scanning the QR code, all the information related to the individual or the merchant will be shown to the user so that they can verify before sending the money. Now grocery shops, auto, cabs and even markets have QR codes attached with them.

Open to all kinds users

Anyone can use UPI for making payments. From an average individual to different businesses and companies can initiate their own UPI ID and PIN after their registration. With this making, transactions have also become easier for private organizations and companies. To know more about UPI payment gateway, its individual and corporate usage, you can visit .

The overall significance of UPI and its impact on the payment system as a whole is not limited.


4 Tips on How to Expand a Small Business

These days a lot of people own a business. It’s a tough market out there with lots of competitors, so it can be a challenge to make your small business grow. A little proactivity will pay off. Here are 4 tips on how to grow your business.

  1. Improve your SEO

Even if you don’t sell products or services online it’s important to have a decent, user-friendly website. Nowadays people do research about products and services before buying anything. They use search engines, like Google and Bing. Your business can benefit from having a high ranking in the search results, as it will most likely result in more traffic to your website.

But how do you rank higher in Google? The best way is to improve your search engine optimization (SEO). You can improve the SEO of your website by publishing relevant content with keywords, having a link-worthy site, and adding alt tags. Having a good SEO-friendly website can make a big difference for a small business.

  1. Focus on data analytics 

Data is your best friend. Tools like Google Analytics show bounce rates, page visits, the average time people are on your website, and how your audience finds their way to your website. All this data can provide insights and help you to improve your management in many ways. You can use this data to create a customized shopping experience for your customers by suggesting products that they are likely to purchase. You can even analyze your competitors and adjust your prices if necessary.

  1. Focus on your core strengths

Everyone is good at something. Your strength might be networking or maybe you have a creative brain and always come up with unique ideas for your business. Small business owners often try to do everything on their own. Running a business comes with a lot of different tasks and unfortunately, you probably don’t have the time to do everything perfectly. That’s why it’s a wise decision to focus on your core strengths and hire staff or a business consultancy to help you with all the other tasks.

  1. Take risks

Growing a small business does involve taking risks. Don’t be afraid to try something new and know that’s okay if mistakes happen. You have to move outside your comfort zone to be able to expand your small business. Take that next step and set yourself up for success.


All that is to know after a bicycle accident

A bicycle accident takes an instant to happen and can have long-term effects. Motorists have insurance to repay the bicyclists they injure. But nothing can take away the pain and suffering. Compensation for a bicycle accident injury should be full and fair, and Johnston Law firm ensures that. It has a proven and winning track record for representing bicyclists against motorists and car drivers who injure them.

Compensation in cases of bicycle accident injuries

Damages compensated to injury victims include medical expenses, lost wages, pain, and emotional trauma, and any other medical care that follows. If Johnston Law Firm takes your case, an immediate investigation is started by the attorney. Sometimes few essential factors are not apparent until the investigation begins. The most common reasons for bicycle accidents in Portland include:

  • Speeding your automobile and going too fast
  • Failing to yield for bicyclists at traffic signals
  • Aggressive driving methods including tailgating and improper passing without following traffic rules
  • Distracted driving leads motorists to enter the bike lanes
  • Drunk driving, driving under the influence of drugs or medicines

Poor Infrastructure in Portland

Dangerous road conditions and lack of proper maintenance are the second most causes of bicycle accidents in Portland. It includes uneven road surfaces, proper bicycle lanes, broken traffic signals, numerous potholes, and gravel roads.

Even the most cautious bicyclists can get into severe accidents in Portland. After such an accident, one must do the following:

  • Immediately it would help if you got medical attention for the injuries regardless of how minor or trivial they may seem.
  • Report the accident to law enforcement.
  • Remember to describe the driver, the vehicle, and the time/place where the accident had occurred.
  • If possible, get pictures of the accident scene, the vehicle involved, and your injuries
  • A copy of the police report that contains contact and insurance information for the at-fault driver should be taken.

Working with a bicycle accident attorney after an accident is a wise decision. They can handle the essential elements of the case, negotiate a settlement offer, and represent you in court. Determining the value of your claim should always be approached with caution. Also, if you have insurance, the insurance company must be notified of your accident. You should also make sure the at-fault driver’s insurance company is also notified.


How it works and types of proxy connections

Different methods of data exchange are used to connect the user to the network. One of these types is a proxy, in which subscribers are connected to server systems using remote intermediary computers. The functions of this link are to process and encrypt user requests and responses from addressees.

How proxies work

When accessing the Internet, subscribers receive certain IP addresses. This is a set of numbers compiled according to special algorithms, designed to identify users. They contain codes of states, regions, data of providers, personal computers from which the request was made. The same unique addresses are assigned to intermediary servers. The signal from the subscribers is sent to the remote platform, processed there, and as a result, the addressee receives a signal from a different IP. In this way, the user retains his anonymity, it is more difficult to track him on the network.

To use a proxy connection, you must set the appropriate settings in the browser you are using. All subsequent requests from a PC or local network will first be directed to the remote server. After processing, checking the correctness of the data, the subscriber connects to the required resource with a new IP address.

Reasons for using a proxy

The main purpose and function of a proxy is to ensure anonymity on the network. This method of connection is often used to bypass IP blocking of individual states, regions, and specific users. In addition, there are a number of other important reasons for using an intermediary link when accessing the Internet:

  1. Sending anonymous messages, emails.
  2. Ensuring confidentiality of information.
  3. Increased connection security, additional protection of local PC databases from hacking, hacker attacks.
  4. Many companies and providers use proxies to restrict user access to certain unsafe resources, sites with prohibited content.
  5. The ability to connect to the Internet with one IP local area networks from multiple computers.
  6. Saving traffic. After processing the data by the proxy server, the subscriber receives information from the resource in a compact volume.
  7. Reducing the load on the connection channel, the destination resource. Caching files with subsequent storage on proxy servers increases the efficiency of data access.

Many platforms, and in particular Proxy-Seller, provide free services for connecting a user to the network through a proxy. Paid servers provide more reliable, faster and more secure connections. You can also install special software that will allow you to test the speed, monitor traffic, apply various filters, for example, select a region code.

Proxy connection types

Proxies can be conventionally divided into groups of transparent and reverse communication schemes. In the first case, traffic is fully or partially redirected to the remote computer without any additional configuration. The reverse scheme uses connections through one powerful or multiple servers. In this case, both the subscriber’s requests and the recipient’s response signal are processed. This method provides more reliable protection, data anonymity.

There is also the following classification of proxies:

  1. The most common, universal connection protocol. Supported by almost all browsers, websites and software.
  2. Anonymizer, which can only be used through browsers, there is no special software for it.
  3. Differs in increased security of connection and data transmission, is often used by corporate networks to protect against external attacks.
  4. Requires the installation of special software on the computer and in the browser.

In general, a proxy is a reliable way to ensure anonymity on the network. All browsers support connection via remote servers; using this scheme increases the protection of databases from hacking.


Three things to know about North Carolina divorce

It takes considerable work, effort, and understanding to make a marriage work. When a marriage has failed and divorce seems like a better option, it’s time to seek legal help. North Carolina allows for no-fault divorce, and you can actually file papers on your own. However, it is important to understand and appreciate that divorce is more than just filling out forms. You may have to decide on important aspects, like child custody, alimony, and distribution of assets, and for that, talking to a Charlotte divorce lawyer is prudent. In this post, we are sharing some quick facts related to divorce in NC. 

Divorce in North Carolina can take time

To file for divorce in the state, you and your spouse must have lived separately and apart for at least one year, prior to filing. This doesn’t mean just two bedrooms of the same house, but two separate residences. State laws in North Carolina allows time to couples to sort various important marital matters. Even in case of child custody, courts usually ask co-parents to attend mediation and consider coming up with their own agreement related to child custody and support. Once the important financial and other matters are resolved, you can be done with your divorce. In any case, it is wise to go slow with your divorce. Take time, so that you have enough scope to evaluate every decision twice. 

Division of marital property

North Carolina allows for equitable distribution of marital property. This doesn’t mean equal. The court will identify and classify assets owned by the couple, and decide on a division in an equitable manner. If you inherited assets or had invested in properties before you marriage, let your attorney know. 

Child custody laws

Like we mentioned, the court will usually encourage the couple to sort child custody between them and sign an agreement acceptable to both. You can decide on child custody without an agreement too. The other option is a court order, but in NC, only a few child custody cases come up in court. Co-parents have the choice to change the existing agreement as needed in the future. If the court is taking decision, the ‘best interests of the child’ will be considered. 

Get an attorney 

There’s no denying that child custody is an emotionally-charged subject, and spouses often don’t agree on things as parents. When that happens, having an attorney by your side will help in negotiating better. 


5 ways to stay competitive in 2021

The pandemic crisis urged many companies to change the way they operate and adapt their business strategy to the so-called “new normal”. Staying ahead of the competition is complicated and winning over customers is hard as never before, given the circumstances. These are the five strategies that will help your business to stay competitive in 2021.

Put your customer needs in front

Customers’ needs are changing along with the demands. Having a clear understanding of what your consumers want will significantly increase your competitive advantage. A simple conversation at every stage of interaction or more comprehensive surveys and advisory groups will help to identify gaps for improvement and oversee the opportunities in the long run.

Invest in technology

Technological advancements brought various benefits and opportunities to the business world. Investing and deploying technology will save time and money while enhancing overall work efficiency and productivity. This is a great way to outperform the competitors and provide your customers with a better product or service.

Outsource business processes

Many companies outsource their non-core functions as a way to increase efficiency and save money. Besides of many benefits that this process poses, it is a great way to stay ahead of the competition through operational flexibility as a means of focusing on high-level strategic tasks. The key is to choose an outsourced firm that will deliver upon your goals and expectations. A BPO company Helpware is proven to provide high-quality services within customer support, back-office, marketing, and video & image annotation. With years of experience, this company can bring your business closer to success.

Formulate clear short-run and long-run goals

Defined goals and objectives for your business will significantly help you to stay ahead of the competitors. Formulate what and when you are planning to achieve, which strategies to pursue, and the results you wish to accomplish. Your goals have to be aligned to the SMART criteria (Specific, Measurable, Attainable, Relevant, and Time-Bound), which will help in your decision-marketing process.

Invest in your marketing efforts

Today’s world is extremely digitalized, which requires a constant online presence to stay competitive. Enhance your online marketing through different channels, develop a strong promotional strategy and SEO, and get the most of digital marketing. In return, you will get greater customer satisfaction and engagement, and, most importantly, a higher return on investment.


5 Must-Have Important Features of a Good Credit Card

A credit card comes in handy for various transactions anytime and anywhere, whether you’re shopping online or visiting a mall. If you need cash, you can use the card to withdraw from your closest ATM. If you need to make an urgent payment, like for a medical emergency, the card is very useful there too. It is also convenient to carry. Additionally, if you pay off your dues on time, you can enjoy all the benefits without paying any interest fees.

So, here are 5 important features that a good credit card has.

#1 – Lowest Interest Rate

Interest charges are levied by the issuer if you are unable to pay the dues by the due date. It is good to be aware of this date and plan your financials such that you have the money when the payment becomes due. However, there may be times when this is not possible. In such circumstances, it helps to have a card with the lowest interest rate.

A credit card with the lowest interest rate ensures that:

  • The charges are much less when you are unable to repay the outstanding amount.
  • You can make the complete payment more easily.
  • You can clear your dues faster and maintain a good credit score.

There are some things you can do to lower the charges:

  • Try to keep your credit card spending within your budget.
  • Pay as and when you have money, instead of waiting for a day on which you have the complete outstanding money ready with you.

#2 – No Annual Maintenance Fees

Some issuers charge an annual maintenance fee to keep your credit card account open and continue using the benefits. A good credit card comes with zero annual fees. Even better, a lifetime free credit card never charges annual fees for your life!

#3 – Zero Over-the-Limit Fees

When you use your credit card for transactions exceeding the assigned credit limit, an over-the-limit fee is charged. Luckily, some credit cards don’t charge this fee at all. This can help when you need to buy certain things, like furniture for the house or some home appliance or pay for some repairs before selling a home.

#4 – Reward Points

Always check the reward points offered when comparing credit cards. This means, every time you spend money, you earn some points. You can redeem these when you need to buy something.

The best credit card boosts your experience of earning rewards with the following offers:

  • Up to 10X reward points or credit points.
  • Credit points aren’t capped. So, they’re limitless!
  • No redemption fees on using rewards.
  • Credit points don’t expire. So, you won’t lose them!
  • More reward points on online credit card transactions than offline.

#5 – Offers at Multiple Partner Merchants

Some credit cards have tie-ups with many leading merchants and popular brands. These cards offer time-to-time discounts on:

  • Health and wellness services
  • Travel
  • Shopping
  • Education and upskilling
  • Dining
  • Other services

Regularly check the site issuer’s site to know which deals and discounts are currently being offered.

Pick a credit card with useful features and various benefits. Being aware of the facilities allows you to use them smartly.


How to increase foot traffic to your business and boost sales

Although the world of shopping has largely turned to online means for buying and selling, maintaining foot traffic to your physical business is still crucial for forming long-lasting customer relationships, loyalty, and providing service. Customers that shop in-person have the chance to experiment with your products and ask questions before buying in a more personal face-to-face setting. Here are some ways to increase foot traffic to your business and ultimately boost sales by building customer relationships in-person.

Offer an In-person Only Sale or Coupon

An easy way to get customers through the door is to offer an exclusive, in-person only coupon, sales event, or discount. Alternatively, having a “first come, first serve” sale with limited inventory is also a great way to encourage customers to visit your store. These methods provide incentives for consumers to take the time to drive to your store and get to know your business more personally than just through your online presence. Additionally, offering fun events like a free giveaway or prize drawing can also attract customers to your business.

Refresh your Signage and Branding Materials

Make sure your storefront is appealing to customers by using an up-to-date and vibrant sign that markets your business and your brand or logo. If you are using an aged or damaged sign, contacting a sign repairs company is a great first step to ensuring that your store makes a good first impression to customers. Signs that follow contemporary design trends like minimalism and abstraction are more likely to entice customers. Also, regularly refreshing your branded social media pages and website helps to attract new consumers and visitors to your store.

Use Online Tools to Advertise Effectively

Market your in-person store to consumers by regularly posting on your business’s social media pages, blog, or website. These online platforms can be a great way to inform a wide audience about your upcoming in-person sales and increase foot traffic and participation for them. Optimizing your online presence is crucial for informing new customers about your business and for identifying new or changing target audiences. Customer-written online reviews are widely trusted by consumers, so encouraging patrons to make testimonials or comments on your website or social media sites is a great (and free!) way to draw in customers.

Overall, there are many ways to increase foot traffic to your physical business or store. Offering in-person discounts or coupons, updating your signs and branded materials, and building a strong online presence to reach your audience can help increase visitors to your store and thus boost your sales over time. Be sure to be creative with your in-person events to draw in new potential customers!

Small Business

CHP – The Future of Electricity Generation

Generating electricity on-site has many benefits over the traditional mains supply, and very often, the two work hand in hand, especially on large sites where a lot of electricity is needed. With the power to choose electricity providers, you can select the best rates that suit your needs. Combined Heat and Power (CHP) systems play a large part in heating and providing power for many large public and commercial sites. Another way to reduce your energy bill is through renewable energy. For those living in Texas, Spark Energy offers some renewable energy plans (green energy plans). If you are considering reducing your carbon emissions connected with a traditional energy plan. They do this by using the heat that is generated as a by-product, and this gives them a far greater fuel efficiency.

A Range of Applications

If a site requires heat or electricity, it can benefit from a CHP system, and with smaller units for residential use, one can generate 5kW(e), while a large building, such as a hospital, would require 1 MW(e) or more, which can be achieved with the larger systems.

Flexible CHP

Typically, a CHP installation allows for higher fuel efficiency and it has a fixed output, but modern CHP units, such as SAV LoadTracker, can be configured with other sources, such as a heat pump. The units can be connected in relays to provide more power, and are more efficient than the previous generation.

On-site Assessment

It is essential to assess the power and heat requirements regarding thermal and electrical loads, then the CHP provider can ensure that your energy requirements will be met in the most economical way. This assessment would tell the supplier how many units were required, and the project will be tailored to the customer’s needs.

Financial Benefits

If you think about a leisure center, for example, a place that is open for most of the time, and apart from the large amount of electricity, it also needs instant hot water, with showers and Spas working throughout the day. CHP is more cost-effective, as you are generating most of the power and heat that you need, while using the grid at the cheapest times.

More Efficient Run-Times

Fixed output CHP systems could not effectively deal with variable demand, yet the latest generation constantly check electrical demand and respond appropriately, minimizing the use of expensive grid power. Maintaining constant flow temperatures has always been a challenge, and with CHP systems, this is automatically configured.

Government Sites

There are many large sites that are using CHP systems, prisons, museums, hospitals, hotels, and many more. The eco-friendly trend means that energy saving systems like CHP are a popular choice, and the large saving is most welcome too. Why buy electricity when you can self-generate it? This is the question that many project owners are asking themselves, and more often than not, CHP systems are the answer.

Energy Saving

By producing one’s own electricity and hot water, a person is really doing something positive for environmental preservation, and if technology continues to make systems more efficient, we will lessen the load on our planet.


How can CHP be the new solution for the generation of electricity?

Combined heat and power system or CHP is the advanced technology invented to generate electricity with minimum fuel or a single fuel source. It is proven to be the most effective, low cost and fast way of generating electricity. CHP plants can be quickly built in one place, and they can adapt themselves to the needs of an area or a commercial building. This new innovative trigeneration solution can not only produce electricity and heat but also cold.

How are CHP components taking efficiency to another level?

CHP is designed to meet the challenges of day to day needs of the people, it looks into the load requirement of the people, and its efficiency rate is about 95%. The heat produced by the gas engine is used to produce cold. The components of CHP taking efficiency to another level are:

● CHP turbine

The ideal solution for CHP technology is gas turbines. The exhaust system produces heat, which helps make steam, chill water, hot water, or both combinations of all three of them. The turbines are very easy to maintain, and they can quickly adapt themselves to future needs. It has fuel operation flexibility. Hence, you can easily install and use the turbine to supply electricity and other facilities in your area.

● CHP engine

CHP engines are ideal for generating electricity and hot water. The heat to power generation ratio is higher than 0.8. The technology can meet the demands of electricity, and it is flexible to produce electricity and supply throughout the year. These systems are also very easy to maintain and are compact.

Benefits of using CHP system

If you want to generate electricity on the site and save money, a combined heat and power system is ideal. It can produce more than 1 MW of electricity and can supply power to a whole area. The benefits of using the CHP system are:

  • Use a range of appliances: You can use a range of different devices and use electric power. You will have no blackout tension, and you can use the heat to produce hot water or even cold.
  • Easy assessment:It is essential to assess the heat and power requirements of the area. The CHP supplier must know if the power supply is meeting all your needs.
  • Cost-efficient:The CHP system helps to save you a lot of money. You do not need to go to any spa as you will get all the services from steam to hot and cold water in your house. You do not need to give huge bucks to the electricity supplier.  You will have the power to choose electricity and satisfy your needs.
  • Energy-saving: If you can produce your electricity and hot or cold water, then you are helping to maintain positivity in the environment. The continuous use of coal to generate electricity is depleting the environment. Hence, CHP is helping to save energy.

If you want to lower your carbon footprint and help save your surroundings from increasing pollution, then it is time for you to use these new technologies. These technologies are eco-friendly and will try to mend all your needs in the future.