Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 150
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 150
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Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
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Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 151
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 151
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 97
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

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        LATEST NEWS UPDATES | Cash is back as digital payments dip on cost -TCA Sharad Raghavan    </title>
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-The Hindu

PoS devices&rsquo; demand falls on remonetisation, user charges

Cash transactions are beginning to trump almost every form of digital payment alternative with April clocking a decline in volumes as well as value of transactions conducted through cards, mobile banking and..."/>
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PoS devices&rsquo; demand falls on remonetisation, user charges

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                            <div align="justify">-The Hindu<br /><br /><em>PoS devices&rsquo; demand falls on remonetisation, user charges<br /></em><br />Cash transactions are beginning to trump almost every form of digital payment alternative with April clocking a decline in volumes as well as value of transactions conducted through cards, mobile banking and the Unified Payment Interface (UPI).<br /><br />The trend assumes significance six months after the Centre announced demonetisation of ?500 and ?1,000 notes on November 8.<br /><br />The near-completion of the remonetisation process and merchants unwillingness to pay user charges also known as the Merchant Discount Rate (MDR) to banks has resulted in a slump in demand for new point of sale (PoS) devices, according to industry players.<br /><br />&ldquo;When the cash wasn&rsquo;t there, demand for our services and products shot up by about 20 times,&rdquo; said Praveen Dhabhai, chief operating officer, Payworld, told The Hindu. &ldquo;But it&rsquo;s reducing now. There is an MDR charge that is applicable, which has to be paid to the banks, and cash is now available almost the same as before. The small merchant doesn&rsquo;t want to pay that MDR charge of 1% or 2%,&rdquo; said Mr. Dhabhai whose firm provides electronic payment solutions to merchants in semi-urban and rural India,<br /><br />In addition, Mr. Dhabhai pointed out while merchants are moving away from card transactions due to the MDR charge, other payment systems like Aadhaar-enabled payments, UPI and Bharat QR are all relatively unpopular in smaller towns.<br /><br />The RBI&rsquo;s database shows that Immediate Payment Service (IMPS) transactions contracted 3.4% in volume and 0.5% in value in April 2017 compared with the previous month. In contrast, December saw a growth of 46% and 33% in the volume and value of IMPS transactions.<br /><br />Similarly, the volume of UPI transactions grew only about 11% in April, down from 47% in March. The value of these transactions contracted 8% in April as opposed to a growth of 25% in March. Card transactions contracted 3.6% in volume and 1.1% in value over the same period.<br /><br />Please <a href="http://www.thehindu.com/business/Industry/cash-is-back-as-digital-payments-dip-on-cost/article18458867.ece" title="http://www.thehindu.com/business/Industry/cash-is-back-as-digital-payments-dip-on-cost/article18458867.ece">click here</a> to read more. <br /></div>                                                           
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    <br><a href="http://www.thehindu.com/business/Industry/cash-is-back-as-digital-payments-dip-on-cost/article18458867.ece" class="re" target="_blank">The Hindu, 15 May, 2017, http://www.thehindu.com/business/Industry/cash-is-back-as-digital-payments-dip-on-cost/article18458867.ece</a><div class="clear"></div>
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PoS devices&rsquo; demand falls on remonetisation, user charges

Cash transactions are beginning to trump almost every form of digital payment alternative with April clocking a decline in volumes as well as value of transactions conducted through cards, mobile banking and..."/>
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                            <div align="justify">-The Hindu<br /><br /><em>PoS devices&rsquo; demand falls on remonetisation, user charges<br /></em><br />Cash transactions are beginning to trump almost every form of digital payment alternative with April clocking a decline in volumes as well as value of transactions conducted through cards, mobile banking and the Unified Payment Interface (UPI).<br /><br />The trend assumes significance six months after the Centre announced demonetisation of ?500 and ?1,000 notes on November 8.<br /><br />The near-completion of the remonetisation process and merchants unwillingness to pay user charges also known as the Merchant Discount Rate (MDR) to banks has resulted in a slump in demand for new point of sale (PoS) devices, according to industry players.<br /><br />&ldquo;When the cash wasn&rsquo;t there, demand for our services and products shot up by about 20 times,&rdquo; said Praveen Dhabhai, chief operating officer, Payworld, told The Hindu. &ldquo;But it&rsquo;s reducing now. There is an MDR charge that is applicable, which has to be paid to the banks, and cash is now available almost the same as before. The small merchant doesn&rsquo;t want to pay that MDR charge of 1% or 2%,&rdquo; said Mr. Dhabhai whose firm provides electronic payment solutions to merchants in semi-urban and rural India,<br /><br />In addition, Mr. Dhabhai pointed out while merchants are moving away from card transactions due to the MDR charge, other payment systems like Aadhaar-enabled payments, UPI and Bharat QR are all relatively unpopular in smaller towns.<br /><br />The RBI&rsquo;s database shows that Immediate Payment Service (IMPS) transactions contracted 3.4% in volume and 0.5% in value in April 2017 compared with the previous month. In contrast, December saw a growth of 46% and 33% in the volume and value of IMPS transactions.<br /><br />Similarly, the volume of UPI transactions grew only about 11% in April, down from 47% in March. The value of these transactions contracted 8% in April as opposed to a growth of 25% in March. Card transactions contracted 3.6% in volume and 1.1% in value over the same period.<br /><br />Please <a href="http://www.thehindu.com/business/Industry/cash-is-back-as-digital-payments-dip-on-cost/article18458867.ece" title="http://www.thehindu.com/business/Industry/cash-is-back-as-digital-payments-dip-on-cost/article18458867.ece">click here</a> to read more. <br /></div>                                                           
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    <br><a href="http://www.thehindu.com/business/Industry/cash-is-back-as-digital-payments-dip-on-cost/article18458867.ece" class="re" target="_blank">The Hindu, 15 May, 2017, http://www.thehindu.com/business/Industry/cash-is-back-as-digital-payments-dip-on-cost/article18458867.ece</a><div class="clear"></div>
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-The Hindu

PoS devices&rsquo; demand falls on remonetisation, user charges

Cash transactions are beginning to trump almost every form of digital payment alternative with April clocking a decline in volumes as well as value of transactions conducted through cards, mobile banking and..." />
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                            <div align="justify">-The Hindu<br /><br /><em>PoS devices&rsquo; demand falls on remonetisation, user charges<br /></em><br />Cash transactions are beginning to trump almost every form of digital payment alternative with April clocking a decline in volumes as well as value of transactions conducted through cards, mobile banking and the Unified Payment Interface (UPI).<br /><br />The trend assumes significance six months after the Centre announced demonetisation of ?500 and ?1,000 notes on November 8.<br /><br />The near-completion of the remonetisation process and merchants unwillingness to pay user charges also known as the Merchant Discount Rate (MDR) to banks has resulted in a slump in demand for new point of sale (PoS) devices, according to industry players.<br /><br />&ldquo;When the cash wasn&rsquo;t there, demand for our services and products shot up by about 20 times,&rdquo; said Praveen Dhabhai, chief operating officer, Payworld, told The Hindu. &ldquo;But it&rsquo;s reducing now. There is an MDR charge that is applicable, which has to be paid to the banks, and cash is now available almost the same as before. The small merchant doesn&rsquo;t want to pay that MDR charge of 1% or 2%,&rdquo; said Mr. Dhabhai whose firm provides electronic payment solutions to merchants in semi-urban and rural India,<br /><br />In addition, Mr. Dhabhai pointed out while merchants are moving away from card transactions due to the MDR charge, other payment systems like Aadhaar-enabled payments, UPI and Bharat QR are all relatively unpopular in smaller towns.<br /><br />The RBI&rsquo;s database shows that Immediate Payment Service (IMPS) transactions contracted 3.4% in volume and 0.5% in value in April 2017 compared with the previous month. In contrast, December saw a growth of 46% and 33% in the volume and value of IMPS transactions.<br /><br />Similarly, the volume of UPI transactions grew only about 11% in April, down from 47% in March. The value of these transactions contracted 8% in April as opposed to a growth of 25% in March. Card transactions contracted 3.6% in volume and 1.1% in value over the same period.<br /><br />Please <a href="http://www.thehindu.com/business/Industry/cash-is-back-as-digital-payments-dip-on-cost/article18458867.ece" title="http://www.thehindu.com/business/Industry/cash-is-back-as-digital-payments-dip-on-cost/article18458867.ece">click here</a> to read more. <br /></div>                                                           
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    <br><a href="http://www.thehindu.com/business/Industry/cash-is-back-as-digital-payments-dip-on-cost/article18458867.ece" class="re" target="_blank">The Hindu, 15 May, 2017, http://www.thehindu.com/business/Industry/cash-is-back-as-digital-payments-dip-on-cost/article18458867.ece</a><div class="clear"></div>
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Home हिन्दी

Cash is back as digital payments dip on cost -TCA Sharad Raghavan

Published on May 16, 2017   Modified on May 16, 2017

-The Hindu PoS devices’ demand falls on remonetisation, user charges Cash transactions are beginning to trump almost every form of digital payment alternative with April clocking a decline in volumes as well as value of transactions conducted through cards, mobile banking and the Unified Payment Interface (UPI). The trend assumes significance six months after the Centre announced demonetisation of ?500 and ?1,000 notes on November 8. The near-completion of the remonetisation process and merchants unwillingness to pay user charges also known as the Merchant Discount Rate (MDR) to banks has resulted in a slump in demand for new point of sale (PoS) devices, according to industry players. “When the cash wasn’t there, demand for our services and products shot up by about 20 times,” said Praveen Dhabhai, chief operating officer, Payworld, told The Hindu. “But it’s reducing now. There is an MDR charge that is applicable, which has to be paid to the banks, and cash is now available almost the same as before. The small merchant doesn’t want to pay that MDR charge of 1% or 2%,” said Mr. Dhabhai whose firm provides electronic payment solutions to merchants in semi-urban and rural India, In addition, Mr. Dhabhai pointed out while merchants are moving away from card transactions due to the MDR charge, other payment systems like Aadhaar-enabled payments, UPI and Bharat QR are all relatively unpopular in smaller towns. The RBI’s database shows that Immediate Payment Service (IMPS) transactions contracted 3.4% in volume and 0.5% in value in April 2017 compared with the previous month. In contrast, December saw a growth of 46% and 33% in the volume and value of IMPS transactions. Similarly, the volume of UPI transactions grew only about 11% in April, down from 47% in March. The value of these transactions contracted 8% in April as opposed to a growth of 25% in March. Card transactions contracted 3.6% in volume and 1.1% in value over the same period. Please click here to read more.

The Hindu, 15 May, 2017, http://www.thehindu.com/business/Industry/cash-is-back-as-digital-payments-dip-on-cost/article18458867.ece

Tagged with: Electronic payment Electronic payments Digita Wallets Digital Economy Digital Payments Cash payments

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