Saturday, 26 November 2016

Use of Credit/Debit Card Swipe Machine and More

        मराठीत वाचण्याकरिता कृपया खाली स्क्रोल कराः-                   

Use of Credit/Debit Card Swipe Machine and More:-

Cashless Money Transaction
Irrespective of size of your business electronic method of money transfer Works with debit/credit card & swipe machine. Information about how to buy swipe machine, eligibility requirements and procedure is described below. This machine is also known as an EDC or PDQ machine. User is saved from many dangers like looting of cash, deterioration of cash etc. Of course individual user has additional responsibility of safeguarding his/her card and password. As far as payee is concern he/she is safe all the time and can charge and receive exact amount. This will allow lower rates and more customers.
Primary Functions of a Credit/Debit Card swipe Machine
The primary function of a credit/debit card swipe machine is to record transactions carried using cards. Swipe machines are also available for charge cards. This machine also is used for refund. This terminal is capable of automatically getting related updates. This terminal is able to verify card payment with a Personal Identification Number (PIN) to ensure safety of payment. It is also permissible to use a common terminal to record & process transactions of the different businesses in the same premises. 

Monetary Transaction process using swipe machine

Monetary Transaction

Credit card combined with swipe machine is also known as a credit card terminal. Today it is recognised as Electronic Data Capture (EDC) machine and process data quickly (PDQ). Working of EDC machine is as under:-
1)    Customer hands over card to the cashier for payment. 
2)    Cashier puts card in the swipe machine, passing it through a narrow slit.
3)    Swipe machine traps the vital information which is etched on the credit card.
(i)    Name on card
(ii) Number of the card
(iii)                       Expiry date of card and location where purchase is made.
4. Information obtained is processed within seconds, meaning that the data captured is quickly transported to payee’s service provider using mostly internet facilities. At the other end, the data gets authorised & amount is transferred to payee. 
5. There is a provision in the machine to manually enter data if swiping of card fails to register data.
Signature of the card holder on credit card is one of the safety arrangements. Cashier verifies this signature with signature on the slip printed in the machine. This slip is the physical record of the transaction.
There are at least three persons involved in the transaction.
ü         Person holding card,
ü         Payee and
ü         Service provider of the payee. This is generally bank or through whom the payee gets the swipe machine. 

Where to get a credit card swipe machine in India

Card swipe machine incorporates monetary aspects (money is involved) and hence requires a proper official approval.
An application as a franchise with a banker and Visa/Master /American Express/Diners Club is needed from payee and signs a contract. Eligibility criteria is payee must have a valid establishment for a minimum period of 6 months.
While applying certain documents to prove you receive payment on account of sale/provide service etc., identity proof, current address proof, establishment proof. In addition if another EDC machine from another bank is held those details are also needed. Similarly if more than one EDC machine is needed in request letter number of required Terminals must be mentioned. 
Cost of EDC terminal is part of the payee’s service & varies from bank to bank. Payee is liable to pay services fees; installation charges as per the type of business and the location, as well as a monthly rental for the GPRS terminal and other charges like service Tax & VAT etc...

Important Tips when getting a credit card machine

1. Contract must be read thoroughly from beginning to end, including the tiny print.

2. Make sure exact charges are indicated in the agreement such as machine servicing charges, invoice charges. Installation charges, account closure fee, etc... 

3. Make sure whether company administering your merchant account also provides card swipe machine to avoid paying 2 different entities.

Care to be taken while using a card swipe machine

1. Signature on the card and the transaction slip must match. In case of even a slight doubt cashier must request for payer's personal ID i.e. driving licence or Aadhar card or PAN card. This is how a safe transaction is ensured.
2. A locking system for the credit card swipe machine when not in use ensures that the machine is not misused.
3. Training employees to use this machine is crucial. He/She must understand various features of the machine. The best Machine is one which has easy-to-use features and not complicated equipment which employee cannot understand.
4. Ensure option of providing a printed receipt of the transaction is available. This helps in keeping proper record of the transaction.
Green Channel Counters of State Bank of India:-
Green Channel Counter
State Bank of India (SBI) came out with a solution which doesn’t need to fill up any forms, count money or stand in a queue. It needs a person to visit bank branch with ATM/Debit card to transact a host of routine businesses, using ‘green channel counters'. ‘No queue banking' is available in over 5,000 branches across the country. The person needs to handle a transaction processing device (TPD) which is similar to point of sales (PoS) machine. These machines are placed in exclusive green channel counters. Procedure involves
1.     Swipe ATM/debit card and chose transaction like cash deposit, withdrawal and funds transfer from the menu
2.     TPD is different from an ATM counter. Presently there is no facility for cash deposits and funds transfers in ATMs.
3.     TPD allows withdrawal of money in desired denominations.
4.     There is more than one green channel counter in every branch. Hence, there may be no queue.
5.     By encouraging people to shift to swiping mode of transactions using their cards bank also has advantage.
6.     This helps customers as no pay-in-slips, withdrawal forms, cheque leaves and remittance forms are needed.
To summarise the advantage it is beneficial to customers in saving time with paperless banking, & to the bank benefit is it saves processing time, stationery and infrastructure. Cost of ATM machines is around Rs. 4 lakh against TPD cost of Rs. 7000. Rent for space needed for ATM machine is generally much higher. Further it improves customer satisfaction and image of the bank. For more information a few YouTube video urls are listed below.
Use of Green Channel Counter for transaction without using paper voucher
How To Deposit Cash easily in SBI Cash Deposit Machine
In Hindi
State Bank Of India Launch Point of Sale Machine :
Chhota ATM: 

How to Install Mini ATM: 
एटीएम मशीन लगवाकर हर महीने कमाए 20 से 30 हजार महिना बिलकुल फ्री में ?? 

Swipe Machine
Information so far is applicable to Portable Card Swipe Machines. Companies offering home delivered goods & services, all shopkeepers, hawkers, various service providers, including even tea sellers and vegetable vendors need such portable machines for convenience. This allows exact spot payments. Some more methods are also available. Apart from using Debit/Credit Card it is possible to transfer money using smart phone or just Aadhar Card. Dr. Raghuram Rajan, Ex President of Reserve Bank of India launched UPI (Unified Payment Interface) launched this during Jan 2016. He assured that UPI is the most sophisticated public payments infrastructure in the world & with this smartphones will soon double up as virtual debit cards. This system does money transfer more speedily and accurately. Time needed to physically meet, count currency notes is saved. There is a need to no more about this system of money transfer.
1.      What Is UPI? National Payments Corp. of India (NPCI) launched Unified Payments Interface (UPI). UPI is a mobile interface and works only on mobile phone. It allows customers to instantaneously transfer funds across different banks with the use of a virtual address. UPI is like an email ID for individual’s money. This is an unique identifier that bank uses to transfer money and makes payments using IMPS. IMPS is faster than NEFT(National Electronic Funds Transfer). Money transfer using this method is immediate & works 24×7. This is is quick and any time service which doesn’t need digital wallet or credit or debit card. Justvirtual address like is adequate. This eliminates need to exchange sensitive information such as bank account number etc. during a financial transaction.
  1. Who supports UPI? This system is initiated by National Payments Corporation of India’s (NCPI), with support of the Reserve Bank of India and Indian Banks Association (IBA). NCPI operates the Rupay payments infrastructure which is similar to Visa and Master Card. It allows different banks to interconnect and transfer funds. UPI is more advanced version of IMPS. Presently 21 banks have been linked with NPCI. These banks are: Andhra Bank, Axis Bank, Bank of Maharashtra, Bhartiya Mahila Bank, Canara Bank, Catholic Syrian Bank, DCB Bank, Federal Bank, ICICI Bank, TJSB Sahakari Bank, Oriental Bank of Commerce, Karnataka Bank, UCO Bank, Union Bank of India, United Bank of India, Punjab National Bank, South Indian Bank, Vijaya Bank and YES Bank. However, if your bank is one of above you can transfer funds to any bank. It is expected that soon service would be on all banks apps. Presently transfer limit is Rs. 1 lakh.

3.      How Does it Work? Currently, for making payment through bank account number, account type, Bank name and IFSC code are essential. These details must be correctly entered. Secondly banks take upto 12 hours to add a new payee. Money transfer is possible only when payee is registered by the bank. UPI doesn’t need all these details. The interface allows account holders across banks to transfer money from their smartphones using any of these i.e. Aadhaar unique identity number, mobile phone number or virtual payments address. Bank account details are not needed by the interface. So far only 29 banks have agreed to start this service. Hence, presently money transfer is possible between UPI-enabled banks only. Two types of address are used to initiate a transaction. One is global and second is local. Global address includes mobile number, Aadhaar and bank account numbers. A local address may be a virtual address or virtual ID similar to email ID. This virtual address allows to send and receive money from multiple banks and prepaid payment issuers. In this case there is no need to use a particular app to send and receive money. Example may be taxi service. At end of the journey just give virtual address and the driver will request money from it. After payment is made a message on mobile phone asks for authentication. Once authenticated the transaction by entering password, the process completes. This process doesn’t require either the driver or you to share bank details. Since UPI runs on IMPS, the service will be available real time and 24X7. As per Shri Nandan Nilekani, advisor to NPCI, UPI is a layer we have put on IMPS. IMPS doesn’t have easy debit capability. This short comming is addressed by UPI. With UPI coming, in future it shall be an important merchant platform. Of course there is a need to be adopted by all banks. Once this is acompliced, money shall be transferred from a bank to any other bank using a mobile phone.

4.      Where UPI is Useful? UPI is an instant online payment platform. Presently for payment plat forms used are NEFT, IMPS or a digital wallet. UPI needs details of payer, and get a billing request on phone with choice to accept or reject. Taxi service, food ordering, grocery shall take advantage of UPI system. Presently most of the companies are banking on mobile wallets. Apart from this, money  can be transfered to family and friends instantly.

5.      Would UPI Affect Mobile Wallets? RBI allows only banks to become Payment Service Providers of UPI service & not Mobile wallet companies. Therefore, UPI is a boon to banks and not to mobile wallets. Wallet companies need to enter banking sector and stop locking money in wallet. Simplified and frictionless payments infrastructure Using UPI,  smart phone users shall prefer this payment method.

6.      What are Payment Gateways? There are many gateways like CCAvenue, EBS, Instamojo in India. These payment gateways aggregate various payment methods like Credit cards, debit cards, mobile wallets and netbanking. However, UPI would take place of these gateways. Present payment gateways offer detailed information on payment like  purpose of payment, party making payment etc. apart from transaction management, reconciliation, insights etc. These gateways offer customisation at every level i.e. payment options, payment page and alike. UPI cannot provide these services though. More important aspect is Payment Gateways provide protection against any dispute between parties to the transaction. UPI is not in a position to take care of this today. However, these aspect may be provided in future.

7.     Is UPI Secure? UPI transaction is carried in a highly encrypted format. Authentication similar to OTP is used as directed by RBI. OTP in this case would be known as MPIN. As vouched by shri Nilekani security aspect with UPI is fool-proof.
8.      When UPI would be Available to Common Man? UPI was made available to banks since 11 April 2016. However, banks need little more time to add support for it in their mobile app. 29 banks agreed to provide UPI service to their customers. Out of these 21 banks have provided service so far. There is possibility that more banks would join UPI during this year. The figure shall multiply further. As per AP Hota, MD & CEO of NPCI RBI’s vision i.e. cashless transactions is in focus now. After a few months many user friendly aspects may become part of UPI. This means by end of this financial year common man would start using UPI.

9.      Any Charges for Using UPI? Charges would be controlled by NCPI. Rs. 0.50 to Rs. 5.00 per transaction is expected fee charged by banks.

 10.           Would UPI  Replace Cards Totally? As per RBI India is one of the most printed currency-dependent country in the world. Major obstacle is UPI needs smart phones.  Aadhaar registration  is increasing with geometric progression against smart phone users are increasing at very slow rate. If UPI is to succeed, either smart phone cost be reduced or UPI must work with ordinary mobile phones. This is the deciding aspect for use of UPI and replacing Cards. Future of UPI: UPI would become an efficient alternative to mobile wallets and make cashless payments faster, easier and smoother and  benefit both buyers and sellers.  Raghuram Rajan ex RBI Governor  had said during April 2016 that UPI will turn smart phone into a payment bank. All one needs is a smartphone and banking app. Bills including online shopping can be paid which need details like card number CVV, name, expiry date, and OTP received to complete a transaction. To make it popular either smart phone should be available at Rs. 1000.00 or this method be modified for using with ordinary cheapest phone.


How to start
  1. Download the Axis Pay app from Google Play Store on your smart phone.
  2. Select your preferred bank account
  3. Create a unique ID (example: yourname@axisbank)
  4. Verify your account & set a PIN
How to send money?
  1. Select your & receiver’s unique ID
  2. Enter amount
  3. Send money by entering PIN
How to ask for money?
1.       Select your & sender’s unique ID
2.       Enter amount
3.       Receive money when sender approves transaction on his app

How is it different from NEFT, RTGS, IMPS?
1.       NEFT and RTGS both involve a significant delay whereas UPI is based on IMPS. This is the basic difference. UPI is basically IMPS designed for a mobile world and is convenient to use/set up. Present method involves using concerned bank's app go to funds transfer section, add a recipient, authorise a recipient before money can be transferred. Adding a recipient means entering a lot of details about them. It is necessary to know receipt’s bank account number, IFS code, bank branch. It's confusing and painstaking. Against this with UPI, UPI app linked to payer’s account needs to enter just payee’s ID similar to payer’s ID
Do I have to have an ICICI account to use Pockets or a Yes Bank account to use PhonePe?
  1. UPI is interoperatable between banks, doesn’t need different app for every account used. It is very easy for iMobile app users to use UPI. UPI app can be downloaded even from Flipkart's PhonePe. After downloading link all bank accounts to that app. Even Axis Pay app can link ICICI account to it. Success depends on wider use of this application..
Why is this better than using a wallet?

One may think that UPI is like a mobile wallet. Further it is interesting to find whether UPI would make mobile wallets as history. UPI removes a lot of the inconvenience faced while using netbanking It does make it similar to a mobile wallet. However, mobile wallets have been around for a while and have pretty sophisticated systems for payments with linkages to a number of services. Banks need to use much broader scope of UPI. Further it must be remembered that UPI is different from mobile wallet. UPI could be used to solve interoperability issues between services, and it could be used as an easy way to top up your wallet, after NPCI agrees to connect UPI to wallets. Wallet has additional layer of security i.e. transaction limit and low size. Hence, mistakes cost would be low. 

क्रेडिट किंवा डेबिट कार्ड स्वाईप मशिनच्या सहाय्याने कसे वापरावेः-

सर्वाकरिता स्वाईप मशीन
आपला उद्योग लहान असो अगर मोठा कामाचा किंवा वस्तूंचा किंवा सेवेचा तात्काल मोबदला मिळविण्याकरिता क्रेडिट/डेबिट कार्ड, स्वाईप मशिनसोबत वापरणे हा एक उत्तम उपाय आहे. हे मशीन मिळविण्याकरिता काय करावे लागते तसेच ते कसे वापरावे याबद्दल या लेखात थोडक्यात माहिती दिली आहे. या मशीनला EDC (Electronic Data Capture) किंवा  PDQ (Process Data Quickly) असेही म्हणतात. हे मशीन वापरण्याने बरेचसे धोके टाळता येतात. रोख रक्कमच नसल्याने कोणी लुटून नेऊ शकत नाही किंवा नोटा जीर्ण होत नाहित. परंतु, या बरोबर दुसरा धोका संभवतो. कार्डाची प्रत तयार करण्यात काही लोक पटाईत आहेत. क्रेडिट किंवा डेबिट कार्ड सोबत जर गुप्त क्रमांक (पासवर्ड) मिळाला तर ते लोक त्या कार्डद्वारे खरेदी करू शकतील. सर्व साधारणपणे ही पद्धत सोपी, खात्रीशीर व तात्काळ पैसे मिळवून देणारी असल्याने माल किंवा सेवा विकणाऱ्याकरिता उत्तम आहे. यामुळे करचुकवेगिरीला बंधने पडतील व कर रचना सोपी व कमी खर्चिक होईल.
क्रेडिट किंवा डेबिट कार्ड स्वाईप सोबत वापरण्याचे मूलभूत उपयोग:-
या पद्धतीचा मूलभूत उपयोग खरेदी-विक्रीची माहिती तसेच पैशाच्या हस्तांतराची नोंद करण्याकरिता होते. हे मशीन चार्ज कार्ड करिताही उपयोगी आहे. या पद्धतीत जास्त झालेले पैसे परत करण्याचीही सोय आहे. अशा मशीन द्वारा पैशांच्या हस्तांतराची खातरजमा वैयक्तिक ओळख क्रमांकाची (PIN i.e. Personal Identification Number) माहिती पडताळून करता येते. एका ठिकाणी एकापेक्षा जास्त व्यापारी असतील तर ते सर्व मिळून एकच मशीन वापरू शकतात.
स्वाईपमशीन द्वारा पैसे हस्तांतर करण्याची पद्धत:-
स्वाईप मशीन वापरण्याची पद्धत
पूर्वी फक्त क्रेडिट कार्डच स्वाईप मशीन बरोबर वापरता येत असे तेंव्हा त्याला क्रेडिट कार्ड टर्मिनल असे म्हणत. आता मात्र डेबिट कार्ड बरोबरही वापरता येते. हल्ली म्हणूनच त्याला ईडीसी किंवा पीडीक्यू मशीन म्हणून ओळखले जाते. ते वापरण्याची पद्धत खाली दिली आहे.
1.     सर्वात प्रथम माल किंवा सेवा घेणारा म्हणजेच पैसे देणारा आपले कार्ड देणाराकडे सोपवितो.
2.     ते कार्ड घेऊन रोखपाल ते स्वाईप मशीनला असलेल्या छोट्या चीरेतून ते एकदा फिरवेल.
3.     हे कार्ड फिरवताना स्वाईप मशिन कांही महत्वाची माहिती स्वतः कडे साठवून ठेवतो. ती माहिती म्हणजेः कार्डवरील नांव, कार्ड क्रमांक, कार्ड वापराचा अतिम दिनांक तसेच व्यवहाराची जागा.
4.     ही माहिती कांही सेकंदातच ही सेवा पुरविणाराला पाठवली जाते. त्या करिता इंटरनेट हे माध्यम म्हणून वापरले जाते. सेवापुरवठादार योग्य पैसे ज्याला द्यावयाचे त्याच्या खात्यात जमा करतो. या प्रकारे व्यवहार पूर्ण होतो.
5.     जर काही अडकाठी आली तर सर्व माहिती भरण्याची सोय मशीनमध्ये असल्याने व्यवहार निश्चितपणे पूर्ण होतो.
व्यवहार पूर्ण झाल्यावर मशीनमधून निघणारी छापील पावती रोखपाल कार्डधारकाला देऊन त्यावर सही घेतो. ही सही कार्डवरील सहीशी रोखपाल पडताळून पाहतो व वस्तू अगर सेवा ग्राहकाला दिली जाते. जर सहीमध्ये दोष आढळला तर ते कार्ड धारकाचे नसल्याचे समजते. ही एक सुरक्षाप्रणाली अशा व्यवहारात वापरली जाते.
भारतामध्ये कार्ड स्वॅपींग मशीन कोठे मिळते?
या मशीनचा उपयोग आर्थिक कारणाकरिता होत असल्याने याला सक्षम संस्थेची मंजूरी आवश्यक आहे. या करिता बँक तसेच कार्ड पुरविणाऱ्या संस्थाकडे अर्ज करणे आवश्यक आहे. हे काम बँकेमार्फत होते व बँकेबरोबर काँट्रॅक्ट करण्याची आवश्यकता आहे. या करिता संबंधिताचा कमीत कमी सहा महिने व्यवसाय अस्तित्वात असणे आवश्यक आहे.
अर्जासोबत कांही कागदपत्रे आवश्यक आहेत. ती खालीलप्रमाणेः-
1.     पैसे स्वीकारणाराच्या ओळखीचा पुरावा.
2.     व्यवसायाच्या पत्त्याचा पुरावा
3.     व्यवसायाची परवानगी
4.     जर एकापेक्षा जास्त मशीनची आवश्यकता असेल तर त्याकरिता अर्जामध्ये नोंद असणे आवश्यक आहे.
ईडीसी मशीनची किंमत तसेच भाडे प्रत्येक बँक स्वतः ठरविते. अर्ज करणाराला मशीन बसविण्याचे, जीपीआरएसचे मासिक भाडे तसेच इतर कर भरावे लागतात. ही सर्व माहिती बँक देते.

ईडीसी मशीन घेताना लक्षात ठेवण्याची माहिती:-

1.   काँट्रॅक्ट मधील सर्व कलमे वाडून समजून घ्यावीत. त्यावर जर आक्षेप असतील तर त्यावर चर्चा करुन शक्य झाल्यास बदलून घ्यावीत.

2.   सर्व प्रकारचा खर्च निश्चित स्वरुपात नोंदविला पाहिजे.

3.   सर्वसाधारणपणे जी बँक जमाखर्च सांभाळते त्याच बँकेचे मशीन घ्यावे. त्यामुळे खर्च एकाच बँकेला देता येतो.

ईडीसी मशीन वापरताना घ्यावयाची काळजी

1.     कार्ड तसेच स्लीपवरील सही एकाच व्यक्तीची असली पाहिजे. जर शंका आली तर पॅन कार्ड, आधारकार्ड किंवा वाहनचालक परवाना पाहून खात्री करुन घ्यावी.

2.     ईडीसी मशीन वापरात नसताना त्याला कूलूप लावण्याची सोय असावी. दुरुपयोग होऊ नये म्हणून ही काळजी घेणे आवश्यक आहे.

3.     हे मशीन वापरण्याचे प्रशिक्षण कर्मचाऱ्यांना देणे आवश्यक आहे.

4.     व्यवहाराची कागदोपत्री नोंद ठेवण्याकरिता प्रिंटरची सोय आवश्यक आहे.

स्टेट बँक ऑफ इंडियाचे ग्रीन चॅनेल कौउंटर
स्टेट बँकेचा हिरवा पट्टा
कोठलाही कागद न वापरता अथवा रांगेत उभे न राहता तसेच बँकेच्या कर्मचाऱ्याला विनंती न करता पैशाचे व्यवहार करण्याकरिता एसबीआय ने टीपीडी किंवा पीओएस मशीनची व्यवस्था केली आहे. हे मशीन वापरुन बँकेच्या खातेदाराला स्वतःच्या खात्यातून भारतामधील कोठेल्याही शाखेत खातेदार असणाऱ्या व्यक्तीला पैसे पाठविता येतात. त्याच बरोबर इतरही कामे करता येतात. ती खालील प्रमाणेः-
1.     मशीनच्या चीरेतून कार्ड ओढल्यावर मेनु मधून तीन पैकी एक गोष्ट निवडा. (अ) रोख रकमेचा भरणा करणे (ब) ऱोख रक्कम काढणे तसेच (क) दुसऱ्याच्या खात्यात रक्कम भरणे (जमा करणे).
2.     एटीएम मशीन मध्ये सध्यातरी रोख रक्कम जमा करण्याची सोय नाही. ही सुविधा हे टीपीडी मशीन देते.
3.     हे मशीन रोख रक्कम मागितलेल्या चलनात देते.
4.     बँकेच्या शाखेमध्ये एका पेक्षा जास्त टीपीडी मशीन असल्याने रांगेत उभा राहण्याची आवश्यकता नाही.
5.     या मशीनचा बँकेलाही फायदा आहे.
6.     खातेदाराला कसलाही फॉर्म न भरता आर्थिक व्यवहार करणे शक्य आहे.
खातेधारकांना कोठलाही कागद न वापरता सुरक्षितपणे आर्थिक व्यवहार कमी वेळात करता येतात. बँकेलाही बरेच फायदे होतात. जसे खातेदारांना खूष ठेवणे, कागदाचा वापर व त्यावरील खर्च टाळणे, बँकेच्या कर्मचाऱ्यावरील खर्च कमी करणे वगैरे. या सेवे मुळे ४ लाखाच्या एटीएम मशीन ऐवजी ७ हजाराच्या टीपीडीत उत्तम काम होते. एटीएम ला जागा लागते त्यामध्ये पैसे भरावे लागतात व ते तीन पैकी फक्त एकच काम करते. सगळ्यात महत्वाचा फायदा म्हणजे खातेदारांची खुषी. या बद्दल अधिक माहिती खाली दिलेल्या लिंक वापरुन मिळेल.
ग्रीन चॅनल काँऊंटरचा कागदा विना वापर करता येतो. 
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स्वाईप मशीन
या लेखातील माहिती सहज हाताळता येणाऱ्या छोट्या स्वाईप मशीनबद्दल आहे. हे मशीन फेरीवाले, भाजी विक्रेते, छोटे दुकानदार सहज वापरु शकतात व सुट्या पैशांच्या वादापासून दूर राहू शकतात. बँकेत पैसे एका खात्यातून वजा करुन दुसऱ्या खात्यात जमा करताना जरी पैशात हिशेब केला तरी तितके पैसे हे मशीन सहज एका खात्यातून दुसऱ्यामध्ये काढू-भरु शकते. त्यामुळे माल देताना ग्रॅमच काय मिलीग्रॅमचाही हिशेब करता येतो. यामधील पैशाचा व्यवहार तात्काळ होतो व त्याची पावती ताबडतोब मिळते. यामुळे देणारा व घेणारा दोघेही खूष होऊ शकतात. सर्वच जर सर्व व्यवहार उघडपणे करु लागले तर कराचे दरही कमी होऊ शकतात. 

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