Top 5 eWallet Service providers in India for Maximum discounts on Online purchases

We all love to shop, don’t we? , although most of us use Cash-On-Delivery [COD] as a method of payments, but we get even more discounts! or earn even more cashbacks if we use eWallets, which are soon becoming the new heroes in the e-c0mmerce industry as a medium to get even more discounts! . Simply saying, these eWallets service providers offer you more value for your money each time you transact online through it , some of the Salient features of these e-Wallet services are as –

• Get extra cash credits greater than the amount you paid for adding money to these Wallets.
• Get Flat % of discounts whenever you purchase by these wallets (e.g Flat 20% off on BookMyShow if paid using PayUMoney)
• Get extra cashbacks in % of amount for every amount spent through the wallets (e.g 20% Cashback in addition to discounts on shopping on PayTm wallet).
• They also provide Buyer protection,so that your money is completely refunded in case of any complaint / failed transactions.
• Also, you get reward points for each transactions wherein you can exchange them for exciting gifts !
• They also provide option for securely storing your Card details, thus providing you additional security at the same time reducing your work to type in Credit or Debit Card numbers each time you intend to transact online.
• So the current Top 5 eWallet providers in India to get maximum discounts are as below –

No 1 –  PayU Money

PayU Money

PayU Money is probably the first eWallet service in the Indian market and provides some exclusive discounts on online transactions such as (Flat 20% off on BookMyShow on Wednesday tickets) . It also provides great discounts on FoodPanda.in and other retail stores too! . PayU keeps on updating its mainsite with exclusive deals & offers every week!

Click here to Sign-up and start using PayU Money.

No 2 – Pockets by ICICI Bank

Pockets by ICICI Bank

Pockets is the newest entry amongst the ewallet services, but being a product of ICICI Bank and its powerful back-end it has quite a lot of interesting offers stacked up . Besides using as a gateway to Pay for online purchases, you can even use Pockets to accept money using either mobile number/e-mail ID. Thus, acting as a digital savings account. You can also add money to your Pockets wallet using Cards/ Net Banking as well as you can redeem/withdraw your money held in your Pockets wallet to your Bank account at nominal costs.

Click here to view existing offers on Pockets.

Click here to download the Pockets App – (Click here for Android) | (Click here for iOS | iPhone users)

No 3 – PayTM

PayTM

Although, Paytm started off as an online recharge site providing coupons, it has come a long way to have its own shopping portal , and full of deals. You’re never short of deals on the Paytm site, and it has a large number of deals and paytm coupons running on for bus booking/travels to electronics purchases to home decor and garments too! . Paytm wallet can be used to store your cash which can be later used to purchase goods on Paytm shopping portal or a large number of merchants who accept payments by Paytm wallet. You’ll surely get cashbacks if you shop using PayTm wallet! . PayTM wallets can also be used to accept/receive money from others, and the money in Paytm wallet can also be redeemed into Bank account as well!

Click here to know daily exclusive deals using Paytm wallet , Paytm Coupons &  offers!

No 4 – Oxigen Wallet

Oxigen Wallet

Oxigen Wallet is not accepted as widely as the previous 3 ones, but not to underestimate its power, Oxigen Wallet provides flat discounts, and cashbacks on sites where no other services are able to (e.g eBay.in) . Thus, its quite handy to have it, incase if the above eWallet , eMoney services are not supported by your online merchant.

Click here to sign-up on Oxigen Wallet.

No 5 – Mobikwik Wallet

MobiKwik

MobiKwik is yet another eMoney service provider in India, but it mainly deals with offers on Recharges, It has its present on other online merchants too but in our tests, those merchants were already covered by one or more of the service providers we discussed above, and neither was there much difference between the discounts/cashbacks provided between MobiKwik and them, nevertheless it still makes it way in due to the Recharge Cashbacks offers provided by it.

So , these are some of the Top eWallet or eMoney service providers in India, by using or virtue of which you can get even more discounts from online merchants on your shopping! . If you know more or other of such providers feel free to comment :)

-  techapple

Shopping online? Follow these 5 tips to avoid frauds, safe shopping

Shopping online can be fun. There are lots of discounts, all the products are available in single place, in most of the cases you can compare products very well, there is no rush and most of the sites offer full return in case you don't like a product.

But at the same time, there is also a slight risk of fraud. The person from who you are buying something is a virtual entity and before you pay the money - even in the case of the cash on delivery - you do so before actually seeing the product in real. So how can you avoid fraudsters and minimise the risk while shopping online? Follow these steps.

Buy from "official" sellers

In India, websites like Amazon and Flipkart are market places and because they have foreign investors these websites can't actually sell products in India. Instead they can only provide the market place for other sellers. Yet, not all sellers on these websites are equal. A couple of them are almost like "official sellers" even though they are not actually Amazon or Flipkart.

In the case of Flipkart, this seller is WS Retail. Buying something from WS Retail is almost 100 per cent safe. So when you are buying a product from Flipkart, make sure you get it from WS Retail. Though on most occasions, the prices of WS Retail are also "official", which means on higher side. But a premium of a few per cent in price is worth paying for safer and better shopping experience. WS Retail is also the only seller on Flipkart that offers 30-day return guarantee. The others offers 7-day or 10-day return guarantee.

On Amazon, a similar seller is called CloudTail.

On Jabong and Myntra, most of the stuff is sold by official seller. But both also have a lot of products sold by third-parties. As much as possible, buy goods directly sold by Myntra and Jabong. Usually these have faster shipping times. Both websites make the identity of the seller in the product description. So watch that, especially if you want the product delivered with a day or two.

Buy goods that are already in warehouse

Amazon, FlipKart and SnapDeal have their warehouses where goods, even those by third-party sellers, are stored. Once a consumers buys these goods, the shipping process is handled not by seller but by Amazon or Flipkart. If possible buy the goods that are already in warehouses managed by e-commerce companies. On Amazon, these products carry a tag called Amazon Fullfilled. On FlipKart, Flipkart Advantage while on the SnapDeal the tag is SafeShip.

Seller rating is important

Before you hit the buy button, check the seller rating. This is especially true for websites like eBay and Snapdeal. Ideally, you should buy from sellers who have done lots of transactions, say something 50 or more, and have a rating of more than 90 per cent or four stars. A good rating means the seller is efficient and is doing business in a professional and serious way.

On eBay use PaisaPay

While cash-on-delivery is a great way to shop, it is not always the safest, especially for eBay transactions. On eBay, if you use PaisaPay, the seller is not paid until you have got your goods and are satisfied with what you have got. If there is some problem, eBay withholds the money, steps in and tries to resolve the problem. This means your money is safe and in case the seller can't satisfy you, there is an option for you to cancel the transaction and get the money back. But this works only if you use PaisaPay. If you choose to pay seller directly, eBay can't help you much.

If it is too good to be true, avoid it

We all are familiar with the online shopping horror stories. In most cases, it is something like this: A person sees an expensive product selling for a ridiculously low price. He or she orders it. When the product is delivered it turns out to be a few pieces of stone or a plastic or something similar.

If you come across a deal that is too good to be true, it probably is. The only way you should go for extraordinarily good deals is if they are offered by reliable sellers or official sellers. If it is from someone on eBay who has a seller rating of 50% and has done only 20 transactions, avoid it.

-  indiatoday

How to Avoid Online Shopping Fraud?

             Whether it is the latest tech gadget, new clothes, your next holiday trip, or car insurance - there are few things that you cannot buy online. But as great the pleasure of having everything delivered to your door step may be, the hard is the awakening once you realize you've become a victim of online shopping fraud.

           During the past five years, every third online shopper has experienced fraud while shopping online according to a recent global consumer study. Beyond that, about USD 3.4 bn are lost each due to online shopping fraud - money from consumers like you and me!

         Fortunately, there are a few simple rules that can help you to stay safe from becoming a victim of online shopping fraud and save a lot of money. The below infographic will show you how!

Courtesy of: TrustedCompany.com

Online Shopping Activities to Save Money

            

          When you are on the chase for a great good deal, shopping online can present some eye-catching savings opportunities you will not find at your next-door department store. Shopping online is a suitable way to start your commodity search even if you eventually buy from a retailer in your region. Knowing the rate range from manifold sources on like products is a superior way to be familiar with a deal anywhere you find it. Formerly you begin looking at the choices, you might be amazed at how much you can put aside when purchasing goods online. With a number of clicks in addition to a well-informed strategy, you may be capable to hit the in-store rates around you as well as score a small number of bonus rewards addicted to the bargain.

         You must explore fast along with easy ways to find or less build huge online shopping deals. When it appears that, the entire globe is making it online be it advertising or contact, online shopping stays no behind. Be it for business or for personal self-shopping online is the method to go for there are a variety of benefits to it. Online shopping can be speedy as well as convenient, however it can also be costly. Fortunately, there are varieties of activities to assist you cut costs.

In a number of ways, online shopping is alike to shopping at your general market. Many e-tailers offer discountcoupons and offers like flipkart discount coupon and snapdeal offers exact items for their customers. As an alternative of cutting coupons from newspaper, despite the fact that, you from time to time have to go on a bargain chase for the finest online coupons, particularly if the e-tailer implicated is modest regarding displaying its couponsimportantly. To share the reward, coupon sites collect coupons from the Internet furthermore consolidate them in one simple to look for location.

Some coupon websites might need you sign up for a association, although the service is usually free of charge. Most recently, receiving the best good deal on goods along with services might involve loading coupons with site-specific rewards along with extra strategies. Coupon websites make establishing qualified coupons effortless, so make sure to construct them as a part of your online buying strategy by inspecting for coupons before you fill up your essential shopping cart furthermore be on course for the depart.

Via:- http://dailytipsndtricks.blogspot.com/

Top 10 Tips for Online Shopping Security

               Just as fun as it can be to shop online, it can equally be risky at times. Not because you might just end up ordering the wrong size (thank god to the fact that there’s always an exchange window and you can courier it back) but because there are some safety issues that you need to keep in mind while swapping that plastic card of yours. With a dramatic increase in numbers of online purchasing portals, online flick stores, shopping windows, etc. it is becoming more and more crucial to keep a watch on where exactly you are stashing your card numbers in. There are scammers flopping in the online world like never before. So it helps to keep an eye before you decide to lay your hands on that beautiful dress or shoe you just spotted on the screen.

Here we lay down few safety procedures which once you ensure will make your experience equivalent to one that you have while visiting your nearest mart for picking stuff up.

1) Your computing environment should be very secured

Almost a no-brainer yet half the online population neglects this as a safety step. When you make purchases online, everything is encrypted. So if your computer is not protected of malicious software, your financial information and passwords will be stolen (as a matter of fact everything stands the chance of being stolen that are saved in your computer). So it is the first thing to ensure that the firewall is on. Also adding to it, try avoid shopping online from cyber cafes or using a public network. Financial transactions are better done through trusted computers.

2) Verify as to just how much you trust the store

There are correct ways of going about the shopping portal/ website you are trusting:

- If you already know the outlet of the brand or store you are purchasing form, go-ahead and have trust. In case anything goes wrong during the financial transaction, you can always walk in to the relevant store and get the problem sorted.

- If you have friends or family buying from a particular store/ portal, there’s nothing to worry much in that case then.

- If you do not know the store at all, BEWARE! Keep your eyes open. Read customer reviews or best is, do the store’s background check by looking at sites dedicated to reviewing e-stores. You find your store there, go ahead and make your picks.

3) Avail discount

Why pay extra when there can be options o availing discounts. There are many sites like indianprice.com, etc. which provide massive discounts via coupon codes. They have lots of stores registered with them and if your chosen store is registered, there you go hitting the jackpot. Cross-check and who knows you might just be lucky!

4) The too-good-to-be-true offers are not all that good always

You got no idea about the extent deceits can stretch. It’s not just on the online space but everywhere but when you are putting your money online, you can just be extra careful. It won’t hurt after all. Do not fall for the too-good-to-be-true offers. If they sound too unrealistic, there is no harm checking their reliability. They can be pretty unreal. Often purchasing from those sites can just be calling for bad luck. They can be low quality or stolen items or can also be cheap substitute of tall brands. The products might just never reach you or the portal merchant might just be playing all of it up for trading your bank details with someone else.

5) Stay alert while buying a gift-card

It is always nice to make your dear ones happy with the fabulous gift cards which are available online these days. But always read the terms and conditions carefully when buying one. Also, ensure the store from where you are buying is legitimate.

6) Do not trade too much of information

If the purchasing site is asking more information than you think is required, back off. It clearly is not reliable. The reliable sites would not go beyond asking name, contact details, email address, some method of payment, and at max your interest/ hobbies. But if you come across ones asking for driver’s license number, bank account information, social security information, etc. be cautious. It is a fraudulent one. There are hints that the merchant resell, rent or share your information. Alternatively, check the site’s privacy policy.

7) Make a unique password if required

Often online purchasing stores ask you to create an account with them. You need not do it but just in case it seems important to you or easy, then carry on. But ensure you choose a very strong password for the account. Make it unique.

8) Go a step high to ensure the security of the site

Hold on! Just before you enter any personal or credit card info onto a shopping site please do look at the URL. See if the web address on the page begins with "https:" and not "http." That little ‘s’ tells you the information is being encrypted to protect your information. 

9) Wiring money through Western Union or Money Gram is not suggestible

Reliable sites generally do not make it a mandate for you to pay through wires. It is always wise to pay via credit or debit card. Wiring is suggestible to people you know but not to random strangers. So do not take the risk unnecessarily.

10) The grammar matters!

Might just sound very funny but do read the content that has gone on the website. If the content hosted by the portal/ the site is full of errors, typos, poor content, you can already sniff danger. They are not professional.

All in all, novice shoppers who are going to just start buying online should better stick with well known brands and famous online shopping portals rather than breaking their head in the smaller, less known ones. Once you get a grip of the online shopping fundamentals, you can always start your journey towards becoming the pro online shopper. But till then, have patience.

Courtesy:- http://dailytipsndtricks.blogspot.com/

Tips for Better Online Shopping

       

   Shopping online has become a modern trend as it eliminates the need for waiting in long queue for purchasing a product online. Some worry that their credit card details may be given to a wrong person. Some believe that shopping online is better and safer than shopping in person or over the telephone. With the e-stores offering Free home delivery, Product replacement, etc., Online shopping has become a most preferred way of shopping nowadays. Here are some tips for a better shopping experience online.

Be Secure:

Millions of dollars are spend everyday in online shopping over the world. There are people who are trying to steal some from it, Be sure you are not a victim to them. When visiting a site to purchase anything online, ensure that the site is secure. Nowadays Phishing attacks are getting popular as shopping online is getting popular. So to ensure that the page you are visiting is secure, look for a tiny padlock icon over the beginning of the url in your browser's address bar. Also the site is secure if there is "s" as "https" and not "http" as seen on the picture.

Paying with Credit or Debit Card?

When shopping online, sites offer different modes of payment. Among them Credit and Debit card are the most preferred way by people. And here comes another question on what mode of payment to prefer, Credit or Debit card? It's advisable to prefer Credit card rather than Debit Card. Because Debit card draw directly from your bank account, so in case if your debit card details get in wrong hands, they may do much more damages to your finances than in the case of Credit card. So, prefer credit card for payment when shopping online.

Nowadays most credit card companies offer single-use credit card numbers for the purpose of online shopping, that expires after a single purchase, avoiding being misused even if the credit card details get's into wrong hand. And only the credit card company knows the account that these credit cards are linked to.

Shopping with Coupon Codes:

Hope you got some idea on choosing secure sites and making secure payments online. Now let's look into the way of purchasing your favorite products with reduced price online. Yes it's possible! Earlier we got coupons through newspaper, magazines or through our nearest store to avail discount when purchasing something.

Now with the advent of Technology/ Electronic ​coupons, it's possible to purchase your favorite products online at reduced/discount price. First you need to find a Coupon providing website. Then access the shopping website (where you want to use the coupon) through the coupon providing site. And select a deal to get the coupon code. Use those coupons or deals  during the checkout process on the shopping website to avail the discount.

Some final tips to be more secure:

• Add a Phishing filter to your browser as extension to avoid being a victim to phishing scams. These filter warn you when entering a insecure site. A simple google search will yield you with various phishing filters to compatible with your browser.
• When purchasing online, use credit card with online fraud protection. Many credit card company offers protection against purchases made with your credit card without your consent.
• Always keep a record of the purchase details that includes the time, date, receipt number, and order confirmation. It's better to take a hard copy of it.
• Email scams are increasing nowadays, So be aware of them. Never reply to mails asking your credit/debit card details to send money to your account.

Via:- http://dailytipsndtricks.blogspot.com/