What are the online payment options available in India? : How to make money with Four Square Payments in India

The three most common payment methods in India include various types of cards (such as MasterCard, Visa, American Express, and the local Indian RuPay debit card), online banking (including net banking transfers and UPI), and digital wallet payments (such as Paytm and Freecharge).

**1. Online banking (Internet banking)**

Online banking is an umbrella term for all single internet banking links in the Indian market. Many Indian banks allow customers to make payments for online goods and services in a trusted banking environment. During the checkout process, the consumer is redirected to his or her bank page to confirm the payment and transfer the funds to the merchant's bank account.

**2. Payment cards**

Payment cards include Visa, MasterCard, American Express, Diners Club and RuPay. Visa is a globally recognised online payment method and the largest credit card brand, accepted in over 170 countries and territories worldwide, both online and offline. MasterCard is another well-known online payment method that supports 150 currencies and is accepted at 35 million points of acceptance, both online and offline, in over 210 countries and territories. American Express is a credit card brand used for online payments and is one of the leading credit card brands in the world.Diners Club is an international credit card organisation and is one of the top five credit card organisations along with Visa, MasterCard, American Express and Discover Global Network (which includes Diners Club), and JCB.RuPay is an emerging Indian online card payment method that allows RuPay card holders to use RuPay PaySecure for domestic online debit payments, including bookings, ticketing and shopping.

**3. Digital wallet**

MobiKwik is an Indian mobile wallet solution for online and in-app purchases, mobile phone recharges and bill payments (utilities, insurance). As India's leading digital wallet, MobiKwick has attracted 120 million users and 3 million merchants since its inception in 2009 by husband and wife team Bipin Preet Singh and Upasana Taku. Initially partnering with online merchants to integrate its wallet as a payment method on e-commerce sites, MobiKwick has gradually penetrated the offline market, becoming a must-have payment method for many offline merchants. With the rapid adoption of smartphones and the "demonetisation" policy, MobiKwick's user base has grown to over 100 million and continues to grow rapidly. As the business continued to expand, MobiKwick attracted international capital and became a unicorn company after multiple rounds of funding.

Freecharge is a digital wallet that allows users to make online and offline payments, as well as pay bills and top up mobile phone bills. For online payments, the user selects "Pay with FreeCharge" on the payment page and logs into their FreeCharge account to complete the transaction. Users can pay using only their FreeCharge balance or a combination of FreeCharge balance and credit/debit card or net banking.

Paytm, or "Pay by Mobile", is a brand of One 97 Communications, one of India's largest mobile internet companies, often referred to as the Alipay of India. Originally a mobile recharge site, it entered India's booming fintech sector in 2014 with the launch of an e-wallet, and in early 2017, Paytm announced that it had received approval from the Reserve Bank of India to set up Paytm Development Bank. In March of the same year, it also spun off its e-commerce business as Paytm Mall.Going forward, Paytm plans to launch products similar to the likes of Balance and Sesame Credit and expand into a comprehensive financial services ecosystem that includes shopping, payments, banking, and insurance.Paytm offers a wide range of promotions and vouchers that can be used to purchase electronics, apparel, and home décor.Paytm also can be used to receive money and money in the account can be withdrawn to a bank account.

**4.

Unified Payment Interface (UPI) is an instant real-time payment system developed by the National Payments Corporation of India (NPC) to facilitate inter-bank transactions.

**FOMEPay wallet:**

- **MasterCard Virtual Credit Card:**

- Hong Kong Virtual Card (StartCard): BIN: 532959 🌏 Country: Hong Kong, Spending Limit: $10,000/month/day/transaction, Usage Scenario: Facebook, App Store, Amazon, Shopify, Aliexpress, Google Play, Wish, Ebay.

- **Visa Virtual Credit Card:**

- USD Virtual Card (GlobalCard): BIN: 428813 🔥 Country: USA, Spending Limit: $5,000/month/day/transaction, Usage Scenario: ChatGPT, App Store, Amazon, Midjourney, Google Play, Wish, Ebay.

- Hong Kong Virtual Card (AuroraCard): BIN: 493193 🌏 Country: Hong Kong, Spending Limit: $10,000/month/day/transaction, Usage Scenario: Facebook, App Store, Amazon, Wish, Shopify, Aliexpress, Google Play, Ebay.

- US Dollar Virtual Card (EclipseCard): BIN: 491724 🌏 Country: Hong Kong, Spending Limit: US$100,000/month/day/transaction, Small Transaction Fee: up to US$50/US$0.6/transaction.

- USD Virtual Card (LibertyCard): BIN: 486695 🌏 Country: USA, Spending Limit: $100,000/month/day/transaction, Cross Border Transaction Fee: 1%, Small Transaction Fee: under $40/$0.4/transaction.

[FOMEPay currently supports the most top-up methods among the platforms]

Top-up methods: WeChat, Alipay, UnionPay International, CloudFlashPay, USDT, Payoneer, Wise, PingPong, AirCloud, PayPal.

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