Compared: Payment Gateways in India [2014 Edition]

Back in 2013, along with the launch of Flipkart’s payment gateway service PayZippy, we had done an overview comparison of payment gateways, with respect to their pricing plan and services offered in the country. Its has been 6 months since our coverage, much has changed.

Hence we have decided to do an update on this comparison and this time around we have added 2 more services, bringing the total number of services covered to 7.

Payzippy

Plan	Standard	Promotional
Setup Fee (Rs)	0	0
Debit Card	0.75% for Transaction Value upto Rs. 2000 1% for Transaction Value above Rs. 2000	0.75% for Transaction Value upto Rs. 2000 1% for Transaction Value above Rs. 2000
Netbanking	3.5% for Transaction Value between Rs. 0-5 lakhs. 3.25% for Transaction Value between Rs. 5-10 lakhs. 3% for Transaction Value between Rs. 10-25 lakhs. 2.5% for Transaction Value between Rs. 25-100 lakhs. For Transaction Value above Rs. 1 Cr (Custom Quote)	1%
Credit Card	3.5% for Transaction Value between Rs. 0-5 lakhs. 3.25% for Transaction Value between Rs. 5-10 lakhs. 3% for Transaction Value between Rs. 10-25 lakhs. 2.5% for Transaction Value between Rs. 25-100 lakhs. For Transaction Value above Rs. 1 Cr (Custom Quote)	1%
American Express	3.5%	1%
International Credit Card	1.5% over and above domestic credit card pricing	1%
AMC (Rs)	0	0
Note*	Promotional Pricing is for sign-ups before 31st March, 2014 and is valid till June 18th, 2014. Taxes apply to all above charges.

 

CCAvenue

Plan	Popular	Privelage
Setup Fee (Rs)	0	30000
Debit Card	1.25%	1.25%
Netbanking	4%	2.5%
Credit Card	3.5%	2.25%
American Express / JCB	5%	3.6%
Cash Card	5%	3.6%
CC Avenue Phone Pay	0.5% + Above TDR	0.5% + Above TDR
AUSC/AMC (Rs)	1200 (from 2nd year)	3600
Note*	Annual Software Upgradation Charges (ASUC) is charged on a per month basis payable in advance every year in April. Taxes apply to all above charges.

 

Citrus

Plan	Introductory Offer (6 months)	Easy Starter	Level Up	Power Packed
Monthly Charges (Rs)	1	7000	10000	15000
Setup Fee (Rs)	0	0	0	0
Debit Card	1.25%	1.25%	1.25%	1.25%
Netbanking	2%	2%	2%	2%
Credit Card	2%	2%	2%	2%
American Express	2.75%	2.75%	2.75%	2.75%
AMC (Rs)	0	0	0	0
Notes*	The above mentioned plan is for monthly transactions numbering between 1000 to 5000. For plans with monthly transactions numbers between 1-100 & 100-1000, TDR is flat 2.5% on all transactions, only the monthly charges vary. Plan monthly charges vary depending on transaction number chosen. Monthly charges payable upfront. For plan with more than 5000 transactions per month, custom quote facility is available.

 

PayU India

Plan	Economy	Silver	Gold	Platinum
Setup Fee (Rs)	6000	12000	24000	36000
Debit Card	0.75% for Transaction Value upto Rs. 2000. 1% for Transaction Value above Rs. 2000.	0.75% for Transaction Value upto Rs. 2000. 1% for Transaction Value above Rs. 2000.	0.75% for Transaction Value upto Rs. 2000. 1% for Transaction Value above Rs. 2000.	0.75% for Transaction Value upto Rs. 2000. 1% for Transaction Value above Rs. 2000.
Netbanking	4.9%	3.9%	3.25%	2.75%
Credit Card	4.9%	3.9%	3.25%	2.75%
American Express	4.9%	3.9%	3.5%	3.25%
EMI	4.9%	3.9%	3.25%	2.75%
Cash Card	4.9%	3.9%	3.25%	3%
Release on Delivery (COD)	2.9%	2.9%	2.9%	2.75%
AMC (Rs)	2400	2400	2400	2400

 

EBS

Plan	Bronze	Silver	Gold	Platinum
Setup Fee (Rs)	12000	18000	24000	30000
Debit Card	3%	1.75%	1.5%	1.25%
Netbanking	4%	3.5%	2.75%	2.5%
Credit Card	4%	3.5%	2.75%	2.5%
American Express/JCB/Diners	5%	4.5%	4%	3.75%
EMI	NA	NA	3.75% for 3 months. 5.75% for 6 months.	3.75% for 3 months. 5.75% for 6 months.
MMC (Rs)	600	500	400	300
Notes*	MMC will be waived in Silver, Gold & Platinum plans if Transaction Volumes Processed is above Rs. 300,000 per month. EMI options currently available through Citibank, HDFC Bank & ICICI Bank. Taxes apply to all above charges.

 

Direcpay

Plan	Gold	Platinum	Corporate
Setup Fee (Rs)	10000	20000	35000
Debit Card	1.25%	1.25%	1.25%
Netbanking	4%	3%	2%
Credit Card	4%	3%	2%
AMC (Rs)	2400	2400	2400
Notes*	Taxes apply to all above charges.

 

Zaakpay

Plan	Starter	Express
Setup Fee	10000	30000
TDR	3% for Monthly Transaction Value upto Rs.5 lakhs 2.5% for Monthly Transactiona Value above Rs. 5lakhs	2.5%
AMC (Rs)	2400 (From second year)	0

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Azim Premji says Wipro focused on strong profitable growth

Wipro Chairman Azim Premji has said the company is focused on strong profitable growth, and will make investment in both organic and inorganic growth areas.

Addressing the company's 68th Annual General Meeting in Bangalore on Wednesday, Premji said the firm was focused on profitable growth and enhancing shareholder value.

He also said the company will make investments in both organic and inorganic growth areas.

This comes less than a week after Wipro announced it has entered into a multi-million dollar dual pact with Canada's ATCO, through which India's third largest software services company will provide a complete suite of outsourcing solutions to the Canadian firm as well as acquire its IT services arm.

He further said Wipro is investing on its staff and training them.

In addition, Premji also told investors that succession plans for the leadership at Wipro "is strongly in place".

This come in the wake of concerns over leadership succession plans in IT services firms, which have seen series of top level exits at Infosys, another IT major.

The Wipro Chairman also informed that sanction from Karnataka Government to start new SEZ is long over due.

Premji had earlier this month met Karnataka Chief Minister Siddaramaiah and sought speeding up of departmental clearances, including those relating to environment and forest, as part of setting up of Kodathi SEZ project here.

The SEZ is expected to create around 25,000 jobs in the first phase.

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API Management: The Key to Improving the Consumer Travel Experience

With mobile hitting the mainstream, travel suppliers and intermediaries need to evolve their mobile offerings in order to satisfy the always-connected traveler. Unfortunately, they have not been able to keep up with expectations and consumers continue to express frustration with the booking and purchase process.

Join PhoCusWright's Senior Technology Analyst, Norm Rose, as he shares his insights on how travel suppliers and intermediaries can improve industry data flow and customer satisfaction by adopting API management.

In this webinar you will learn:
* Key drivers and frustrations in the way consumers view the online travel planning and booking process
* How to improve the user travel experience by incorporating 3rd party innovation
* How API management allows providers to get the right data to the right user at the right time

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# Should Microsoft kill Windows Phone?

The company is backing away from Android and doubling down on its own smartphone OS just when the smart move seems to be to surrender.

It's been nearly four years since Microsoft first released Windows Phone, and what it has gotten after many millions of dollars in development and marketing costs, plus its $7.2 billion acquisition of Nokia, is this: a worldwide smartphone market share of less than 3 percent. And that number has been going down, not up.

Ask any smart businessperson whether that investment is a good one, and you'll get a straightforward answer: no. Over at Microsoft, though, they think differently. Rather than abandoning Windows Phone, they're doubling down and making an even bigger bet on the struggling smartphone operating system. A company with Bill Gates' DNA will never willingly admit defeat, but in this case it may be time to do just that and instead hitch its mobile wagon to Android.

[ Also on InfoWorld: Find out how to make sense of your mobile management options without diluting the benefits of consumerization. | iPhone, Android, BlackBerry, or other? Whatever you prefer, subscribe to InfoWorld's Mobilize newsletter for the latest developments. ]

The numbers explain why this might be the best option at this point. They're not pretty. The latest figures from Strategy Analytics show Windows Phone with only a 2.7 percent worldwide share of the smartphone market in the second quarter of 2014, compared to an 84.6 percent market share for Android and 11.9 percent for iOS. That 2.7 percent figure is down from 3.8 percent a year earlier. And even that understates how badly Windows Phone is doing. In the second quarter of 2014, shipments of all smartphones were up 27 percent compared to a year previous -- but Windows Phone shipments fell in that year, from 8.9 million devices in the second quarter of 2013 to 8 million devices in the second quarter of 2014.

Windows Phone is struggling in the world's two largest smartphone markets, the U.S. and China. For May, Kantar Worldpanel ComTech found, its market share was 3.8 percent in the U.S., down from 4.7 percent a year previously. And in China, it was a barely measurable 0.6 percent, compared to 3 percent a year earlier.

By any measure, Windows Phone has been headed in the wrong direction. Earlier this year, Microsoft seemed poised to adopt a backup plan that would keep it in the mobile game even as Windows Phone tanks. As it was preparing to acquire Nokia, the handset maker released a line of low-end Android phones called the Nokia X, aimed at the developing world. Though the phones don't run a Microsoft OS, they do carry Microsoft services, such as Skype, Outlook.com and OneDrive. That would allow Microsoft to make money on the services the phones carry, in the same way that Google makes money on any of its services that other Android phones carry.

Nokia was still ostensibly an independent company at the time, but is it possible that it decided to release Android phones without the blessing of its soon-to-be owner, Microsoft? That doesn't seem likely. And it's worth noting that after the acquisition was finalized, Nokia released a new generation of the phones, the X2. It looked like a smart move, given those disastrous Windows Phone numbers.

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Chrome Extension Opens MS Office Docs in the Browser

Google Chrome OS users have long enjoyed the ability to open Microsoft Office documents right in the web browser. Now Google is expanding its MS Office support to include Chrome on Windows and Mac as well.

The new Office Viewer beta is an extension for Google Chrome. You’ll need to be using Chrome 27 or better (currently in the beta channel), but provided you’re willing to use the prerelease version, you can install the new Office Viewer (also a beta release) from the Chrome Store.

The new extension can open most Microsoft Office files including .doc, .docx, .xls, .xlsx, .ppt, .pptx. The interface is very similar to the existing PDF view in Chrome and comes from QuickOffice, which Google acquired last year.

The main downside to the new plugin is that it’s definitely still a beta — very buggy and rough around the edges. In my testing two very simple spreadsheets simply didn’t open and selecting text in .docx Word documents was hit or miss; sometimes it worked, other times it was as if the document had been converted to an image.

On the plus side your MS Office files open in a specialized sandbox which protects you from any malware and viruses lurking in the files.

Still, there are enough rough edges that Chrome’s Office plugin isn’t ready for prime time. While it’s a necessity on Chrome OS, which has no Microsoft Office suite, everywhere else you’re probably better off using Google Drive to view files when you’re online (assuming you want to use Google services, Zoho Docs works well if you don’t), and Microsoft Office or Open/Libre Office when you’re not.

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The Very First Website Returns to the Web

Twenty years ago today CERN published a statement that made the World Wide Web freely available to everyone. To celebrate that moment in history, CERN is bringing the very first website back to life at its original URL.

If you’d like to see the very first webpage Tim Berners-Lee and the WWW team ever put online, point your browser tohttp://info.cern.ch/hypertext/WWW/TheProject.html.

For years now that URL has simply redirected to the root info.cern.ch site. But, because we all know cool URIs don’t change, CERN has brought it back to life. Well, sort of anyway. The site has been reconstructed from an archive hosted on the W3C site, so what you’re seeing is a 1992 copy of the first website. Sadly this is, thus far, the earliest copy anyone can find, though the team at CERN is hoping to turn up an older copy.

Be sure to view the source of the first webpage. You’ll find quite a few things about early HTML that have long since changed — like the use of <HEADER> instead of <HEAD> or the complete absence of a root<HTML> tag. There’s also a trace of Berners-Lee’s famous NeXT machine in the <NEXTID N="55"> tag.

CERN has big plans for the original website, starting with bringing the rest of the pages back online. “Then we will look at the first web servers at CERN and see what assets from them we can preserve and share,” writes CERN’s Dan Noyes. “We will also sift through documentation and try to restore machine names and IP addresses to their original state.”

In the mean time, have a look at the web’s original todo list and read more about the project to restore the first website over on Mark Boulton’s blog.

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WebRTC, Online Code Editor Team Up for Real-Time Coding

It’s still going to be some time before WebRTC technology starts to deliver cool apps, but even today developers are quickly moving from the realm of cool WebRTC experiments, like the Mozilla/Google phone call demo, to useful apps like Codassium.

WebRTC is a proposed standard — currently being refined by the W3C — with the goal of providing a web-based set of tools that any device can use to share audio, video and data in real time. It’s still in the early stages, but WebRTC has the potential to supplant Skype, Flash and many native apps with web-based alternatives that work on any device.

Codassium uses WebRTC to bring together WebRTC-based video chat and Mozilla’s Ace code editor. The result is what Wreally Studios, creators of Codassium, call “a better way to conduct remote interviews.” Of course Codassium could be used for more than just interviews — think code reviews, remote pair programming or even just discussing code with remote employees.

To use Codassium you’ll need to be using a web browser that supports WebRTC — recent versions of Firefox and Chrome will both work. Head on over to Codassium, click the Start button and allow the site to access your camera and microphone. Once the video chat and Ace editor load, just click the Invite button and send the resulting link to the person you’d like to work with.

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Internet Explorer 10 Doubles Its Desktop Market Share

Internet Explorer 10 Doubles Its Desktop Market Share

Microsoft’s Internet Explorer 10 saw a meteoric rise in market share last month, jumping from 2.93 percent in March to 6.22 percent in April, according to NetMarketShare.

Some of IE 10′s growth might be attributable to more Windows 8 machines coming online, but it also comes close on the heels of the release of Internet Explorer 10 for Windows 7.

As we noted in our review, IE 10 is a huge step forward for Microsoft’s oft-maligned browser, bringing much better web standards support and considerable speed improvements over IE 9. And there’s plenty to like even on Windows 7 where Microsoft claims users should see a 20 percent increase in performance over IE 9, as well as better battery life on Windows 7 laptops.

While web developers should be happy to see IE 10 gaining some ground given its vastly superior web standards support and speed compared to previous releases, looking at the bigger browser share picture is still disheartening. While IE 10 use may have doubled last month, it still trails IE 6 use worldwide.

The most widely used version of IE on the web remains IE 8, which, while much better than IE 6, still has next to no support for modern web development tools like HTML5 and CSS 3.

As always, progressive enhancement and feature-detection tools like Modernizr are your friends when it comes to older versions of IE.

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Dropbox’s Carousel Design Deconstructed (Part 1)

Many of today’s hottest technology companies, both large and small, are increasingly using the concept of the minimum viable product (MVP) as way to iteratively learn about their customers and develop their product ideas.

By focusing on an integral set of core functionality and corresponding features for product development, these companies can efficiently launch and build on new products. While the concepts are relatively easy to grasp, the many trade-offs considered and decisions made in execution are seldom easy and are often highly debated.

This two-part series, looks into the product design process of Dropbox’s Carousel and the product team at UXPin shares our way of thinking about product design, whether you’re in a meeting, whiteboarding, sketching, writing down requirements, or wireframing and prototyping.

Part 1 is about the core user, their needs and Dropbox’s business needs, and it breaks down existing photo and video apps. Part 2 will cover Carousel’s primary requirements, the end product, its performance and key learnings since the launch.

The Carousel MVP

It’s been reported, that Dropbox wants Carousel, its new mobile photo and video gallery app, to be “the go-to place for people to store and access their digital photos [and videos],” to be the “one place for all your memories.” In effect, Carousel allows you to access all of your photos and videos stored in a Dropbox account on any device, unifying them in a single interface that automatically sorts files by time and location.

More specifically, the app launched with several key features:

• Backing up
  It integrates directly with Dropbox’s file storage to save all photos and videos taken on your mobile phone.
• Viewing
  A cloud-based media gallery displays all of your photos and videos without taking up local storage on your phone.
• Sharing
  It offers many ways for you to share photos and videos with others, primarily by sending links to view them in Carousel.
• Discussing
  A new chat thread is created for every group of people with whom you share a collection of pictures or videos.
  Since launching, Carousel has received polarizing reviews. Amidst this uproar of praise and feature requests, we’ll go over how any product or design team could arrive at the same initial release — a critical exercise, especially in a market as crowded as the one for photo apps. First, we’ll summarize what Carousel is, then break down part of the design process for this MVP, and then compare the UI and UX to existing design patterns such as Apple’s Photos, Instagram, Google+, Camera+, Flickr, Facebook, Picturelife and Dropbox Photos itself.

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2014 Fab 50: Asia's Tech Takes Over The World

By Liyan Chen and John Koppisch 

Scouting for the world’s next growth engine? The 2014 annual honor roll of the Fabulous 50 brings you the best of Asia-Pacific’s biggest publicly traded companies.

China boasts the most companies, as it has for the last three years. Tech companies dominate China’s lineup, with Tencent the most valuable, having a market cap of $155.6 billion, nearly twice that of runner-up Tata Consultancy Services . Lenovo is the biggest in terms of annual revenue–$38.7 billion, just edging out India’s Tata Motors . But as China is experiencing slowing economic growth, the total number falls to 16, down from 20 last year and 23 the year before that. The country’s real estate slump knocked off all of the property developers that would make the list regularly.

Full List: 2014 Asia’s Fab 50 Companies

India trails China with 12 companies on the list, the same number as last year. HDFC Bank , the country’s second-largest private sector bank, has made the list eight times, more than any other company since we started compiling this roster in 2005. Tata Consultancy, another long-time Fab 50 star, makes the Fab 50 for the seventh time and sixth straight time overall. Tech Mahindra, the country’s fifth-largest IT player, debuts on the list after net profits soared 112% to touch $500 million.

South Korea has six companies, with Naver for the sixth straight year. Boosted by strong mobile advertising-and-content sales, the country’s largest online search portal enjoyed a 32% rise in revenue and a 250% jump in net profit last year. Hyundai Marine & Fire Insurance, South Korea’s second-largest nonlife insurance company, makes the list for the first time as it seeks rapid expansion beyond crowded domestic market.

After failing to get any companies on the list the last two years, Japan has two newcomers this year: Suntory Beverage & Food, which sells bottled teas and fizzy drinks, and Unicharm, the country’s No. 1 in feminine hygiene products and baby diapers. The Japanese beverage giant debuts on the Fab 50 list after raising $3.9 billion in an IPO in July last year. It now has a new U.S.-based sister company, Beam Suntory, thanks to parent Suntory Holdings’ $16 billion purchase of the producer of Jim Beam bourbon in April.

Casino kings Galaxy Entertainment Group and Melco Crown Entertainment represent Hong Kong once again, along with newcomer Chow Tai Fook Jewellery. Started in 1929, the famous jewelry chain is the world’s largest jeweler by stock market value and is controlled by the family of Cheng Yu-Tung, Hong Kong’s fifth richest with a $15.5 billion fortune.

There are eight other first-timers. Another eight return after falling off in recent years. That means 19 companies failed to repeat, including China snack leaders Tingyi Holding and Want Want China Holdings. At least one of them had made the cut every year since 2007. Other companies ending long streaks include China’s Hengan International Group and India’s ITC.

In terms of industry, technology companies once again shine on our list this year with nine representatives. The consumer durables industry has the second most members with 7 companies, including four motor vehicle giants from China and India, as the rise of Asia’s middle class continues to drive demand. Three oil and gas companies make it into the rank, up from only one firm from last year.

The Fab 50 is chosen from a pool of 1,300 companies in the region that have at least $3 billion in market cap or annual revenue. Since only public companies are considered, hot privately held outfits such as Alibaba Group and Huawei Technologies are out. We screen for a long series of performance measures, analyze the outlook for each company and throw out any that carry a lot of debt or are more than 50% state-owned. Companies that are more than 50% owned by listed parents are also culled. The result is the region’s best of the best.

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