Things to Consider While Making Online Payment

   

      Now-a-day most of websites deals with product selling & Payment.Products may be anything like physical things such as computers, mobile phones, DVD players, Cloths as well as services such as online Railway Reservationbooking, online Movie Booking, online Mobile Recharge.To purchase any product online, the eCommerce Website Provides one of following option to pay online for you.
Supporting Payment Options for Indians:-
     - Credit Card
     - Debit Card
     - Net Banking
     - Wire Transfer
     - IMPS
     - Cash on Delivery
     - via E-wallet
     - via Paypal
     - via Airtel Money

       ~To save little money while purchase.Follow the following things~

-Don't Pay using your Credit card if you owns one Debit Card
      If you have any debit card with you then don't make payment using your credit card.If is preferred by most of peoples.As credit card statement comes at end of month, you don't know the details of payment / refund until statement comes.Also there are high transaction charges when you choose credit card for payment than that of debit card.

-Select Right Payment Option while Payment
       While payment using debit card choose your approprite bank from which you bought the card (e.g. Choose Axis Bank Debit Card Option when you possess axis bank debit card).Choosing Another bank debit card option lead you to pay high transaction charges.

-Never choose Net Banking Option

        As netbanking option has fixed transaction charges.INR 10 for each transaction.It would be little expensive option while making online payment.Use Net banking only situation where merchant doesn't accept credit or debit card option.

-Better Option
         It is always safer to select Cash on Delivery as many of you afraid of making such online purchase.But if cod is not possible then you must have to pay online through payment gateway.It is always better to use e-Wallet, prepaid cards, paypal, airtel money as payment completion is faster than any other option.But for adding fund to these services will took extra money.

Transaction Charges when pay by Credit Card
Axis Bank Gateway	1.65%
ICICI Bank Gateway	1.8%
HDFC Bank Gateway	1.8%
CITY Bank Gateway	1.8%
Americal Express	1.8%

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Transaction Charges when pay by Netbanking
Canera Bank, HDFC Bank , ICICI Bank , City Bank, Axis Bank, IDBI Bank, SBI, Andhra Bank, Corp Bank, Indian Bank,	INR 10 per transaction
PNB, Federal Bank, Syndicate Bank, Indicate Bank, Karnataka Bank, BOI, Union Bank, Bank of Baroda	NIL