fabiochiu/medium-articles huggingface dataset:
Meet Volt.io, Augmentum’s latest investment
By: Augmentum Fintech
Tags: Payments, Startup, Investing, Fintech, Venture Capital

The Open Banking opportunity

Progressive regulation is one of the key pillars which supports the UK and Europe’s position as a global leader in fintech innovation. The EU’s Second Payments Services Directive (PSD2) and the UK’s equivalent Open Banking legislation, provide a powerful example of this.

Under PSD2/Open Banking, European banks are required to provide APIs through which licenced third party providers can access account information and initiate account-to-account (A2A) payments on behalf of consumers. Fintech companies have been at the forefront of building infrastructure and developing applications which unlock the potential of these APIs.

Our thesis for Open Banking centres around applications; where a value added product or service is built using bank API connectivity as a base input. We see account-to-account payment services as one such application with significant, near term potential. Providers have the opportunity to leverage regulatory change against a backdrop of unrelenting growth in digital payments (further boosted this year by Covid-related upticks in ecommerce — penetration accelerated c.5 years¹ — and decline in cash usage — -50% YoY March 2019–20²).

In Volt.io we are backing an extremely strong team who have the experience, vision and execution abilities required to fully capitalise on the opportunity.
Mechanics of MobileCoin: Chapters 1+2
By: Mobilecoin Foundation
Tags: Payments, Cryptocurrency, Mobilecoin

Today we are releasing the first two chapters of The Mechanics of MobileCoin, a new book discussing the MobileCoin protocol in detail.

We’d like to thank Koe for authoring this book. It’s a huge undertaking and we appreciate their dedication to helping explain all the tech we’ve built. If you have questions, please reach out here or on the github.

Additional chapters will be released as they become available.
“Willing to adopt e-commerce but scared of fraud”
By: Idfy Editorial
Tags: Payments, Ecommerce, Small Business, Pharmacy, India

Second Generation Entrepreneur

Poonam Srivastava, a 23 year old commerce graduate, has been running a pharmacy along with her uncle for about a couple of years now.

‘Shree Shyam Medical’ has been a trusted name in their neighbourhood. Business has been steady and Poonam plans to accelerate its growth. She has a keen interest in digital platforms and wants to launch their Facebook page and even partner with e-commerce companies in the future.

They file taxes every year, have all the relevant documents needed to avail a loan if they want to and accept payments on Paytm, PhonePe, UPI and Google Pay.

“I am willing to take the business digital but stories of fraud that happen on e-commerce platforms deter me from taking the plunge.”

Trust issues with e-commerce

While she is optimistic about her business benefiting from social media presence, lack of quality control is a big hurdle for her. She has heard about e-commerce companies delivering empty packages and would not want her business’s reputation to suffer in any form.

“A friend of mine had ordered a smartphone and got pebbles instead. He left a very bad review for the seller even though he had no role to play in the failed delivery.”

She has read about similar incidents on social media. Delivery boys running away with packages or giving damaged/expired products to customers. With the kind of business they are in, she cannot afford such mistakes as people’s health is at stake. One such incident can ruin year’s of hard work that has gone into building a brand image in the market. Precisely why she wants to be very sure before going digital.
El futuro de las finanzas está aquí: Presentamos la evolución de MercaDolar
By: Paola Aguilera
Tags: Payments, Ewallet, Fintech, Mercadolar, Medo

Learn more. Medium is an open platform where 170 million readers come to find insightful and dynamic thinking. Here, expert and undiscovered voices alike dive into the heart of any topic and bring new ideas to the surface. Learn more

Make Medium yours. Follow the writers, publications, and topics that matter to you, and you’ll see them on your homepage and in your inbox. Explore
Highlights from Frank Rotman of QED’s AMA
By: Ryan Zauk
Tags: Payments, Investing, Fintech, Banking, Twitter

Just a few minutes later, we locked in a 1-hour Twitter takeover by Frank on the Wharton FinTech account.

Frank has been on a Twitter heater in 2020 (a pandemic silver lining) so we already knew our audience would engage. He is one of the most influential FinTech leaders in the world, founding QED Investors (SoFi, Current, Credit Karma, GreenSky, LendUp) and before that, helping build Capital One into the powerhouse we know today.

Expectations were high and he did not disappoint. We’ve collated his top answers below.

Underutilized Customer Acquisition Strategies

Thanks for the podcast plug…we agree!

How Rising Inflation Will Affect FinTech

The Next FinTech Unicorns

The Growth in Refi

A Peek Into His Investing Frameworks

Implications of Stripe’s BaaS

Here’s the link to his paper mentioned above.

His Feel-Good FinTech Story of 2020

What Small Businesses Need From FinTechs

Overhyped / Underhyped Trends

…And Finally, If He Were 22, What Job Would He Pursue?

Frank, on behalf of all FinTech enthusiasts, thank you! Looking forward to the next one.

For the full Q&A, go to our Twitter page, go to “tweets & replies,” and start scrolling.

—

For more insights from FinTech leaders, follow:

Wharton FinTech

Twitter | Medium | LinkedIn | Facebook | Instagram

Ryan Zauk

Twitter | LinkedIn

—

Ryan Zauk is an MBA Candidate at The Wharton School, where he runs the Wharton FinTech Podcast. He currently works with the US International Development Finance Corp looking at tech impact investments in developing markets. After graduation, Ryan will join Morgan Stanley’s Menlo Park Office working with the world’s largest technology companies. He has a passion for music, media, and all things FinTech.

You can reach him at rzauk@wharton.upenn.edu or on Twitter.
Buy electronics with Bitcoin
Tags: Payments, Btc, Electronics, Cryptopayments, Bitcoin

Despite its increasing popularity among merchants, many people still doubt whether they can buy the stuff they are looking to purchase with the help of Bitcoin and cryptocurrency. Sure, there are still a few things you still cannot buy using Bitcoin — but, if there is something you can buy using Bitcoin and altcoins, it is electronics!

It is just that you should know the right places that sell electronics (both online and offline). We figured most people are simply not sure about which sites accept crypto at this point. Therefore, we have prepared a handy list of websites and other offline places where you can pay with cryptocurrency instead of fiat money to buy electronics.

We have organized our guide on buying electronics with Bitcoin into a few different sections for convenience.

Why buy electronics with Bitcoin

As is the case with every other transaction using Bitcoin, your first probable reason to buy electronics using Bitcoin is the anonymity itself. However, here is something you may want to consider. Most online stores that accept Bitcoin use some form of crypto payment processors to make the transaction possible. To finish your transaction, you will have to provide some necessary information. Of course, you have an option to stay anonymous here, but some Payment Gateways may require a certain level of verification.

The second reason you may want to buy goods using crypto would be security, especially if you are looking to purchase something expensive. As you know, Bitcoin — the world’s largest cryptocurrency by market capitalization — is powered by Blockchain technology. So, even when you transfer Bitcoin worth a massive amount of USD, you can be confident that the ledger has got your back. That happens when you pay Bitcoin at some electronics store or on a website. By the way, you may be able to save on tax and through promotions when you get something via Bitcoin.

We think these reasons are enough to keep a lookout for electronics stores that accept Bitcoin and other cryptocurrencies.

Online electronics stores that accept Bitcoin

Here are some of the popular and trusted online electronics stores where you can pay using Bitcoin and probably an impressive variety of cryptocurrency tokens.

Continue reading in the NOWPayments blog!

___________________

Why use NOWPayments.io?

NOWPayments is the easiest way to accept online payments in a wide variety of cryptocurrencies. This service is custody-free, has competitive fees and is available worldwide.
Update: New StablePay Checkout for payments with zkSync
Tags: Payments, Layer 2, Defi, Stablepay, Zksync

Now when you make your payments or donations through StablePay you will have the option to do it through L2 thanks to our latest integration of the zkSync protocol 🌐.

How can I make my payments in L2?

When you receive a payment link through StablePay, you will now have other options to do so, such as L2, to reduce gas costs and increase the speed of the transaction.

StablePay Checkout

To receive payments and donations through a StablePay link 👇

Payments and donations with StablePay

You can choose how to make your transaction in “Advanced Options” and you will have the option to do it through L1 or L2 🔥.

Advanced checkout options

What benefits do I get for making transactions through L2?

StablePay allows you to make low-cost and instant transactions by selecting layer 2 solutions like zkSync on Ethereum.

Layer 2 solutions allow to:

Conduct transactions without wasting time with miner verification and increase speed.

Conduct microtransactions without paying high transaction fees.

Conduct transactions with erc20 tokens without approval.

Enforce security on transactions with smart contracts.

Features

Get in touch with us by:
E-commerce and its development now and in the near future should be Visa Part II.
By: Ondrej Machac
Tags: Payments, Technology Trends, Fintech, Subscription, Visa

Visa e-commerce and its development now and in the near future — probably the most interesting block at the Innovation Week conference.

Mr. Petr Fuka and Lukáš Hanžl spoke on behalf of the Visa company, and they entered this issue beautifully. In the first part of the article, I focused on e-commerce and the SCR solution on which Visa cooperates. Now I will focus on Visa’s cooperation with Fintech companies, especially Minna Technologies.

Minna Technologies is FinTech, which aims to save time and money for the modern consumer. It does this by cooperating with retail banks and creating a new generation of financial products that it wants to make people’s lives easier.

How does Minna Technologies do it? Believe in subscription management!

Subscription management is one of the biggest megatrends in society, transforming personal finances. Makes life easier for consumers. Subscription management is an area where banks have the best opportunities to help meet the needs of their customers.

The advantage for the bank’s client is the added value of managing all subscriptions in one place. One household has an average of 25 subscriptions, which thanks to this implementation the bank’s client can manage in one place. For example, cancel a subscription to Netflix with a single click in your bank’s application. Of course, it is not enough to suspend the payment alone, Minna Technologies will handle the cancellation of the subscription on the other hand, ie at Netflix. This will not give rise to any future obligations.

Minna goes so far as to analyze your subscription and try to offer you a better one. Which, of course, is difficult for Netflix, but it’s mainly about payments for electricity, telephone and other standing payments. You regularly pay CZK 500 for a mobile tariff and the software analyzes this payment and offers you the same or a very similar tariff for a lower price.

There is also room for banks, which not only bring added value to their users and keep them longer in their application, but also receive a conversion fee from integrated partners.

A few words in conclusion. Subscription management is a very welcome service that can make it a lot easier to find different subscriptions. Now you will not forget to unsubscribe and pay unnecessarily another month / year. In addition, this implementation will allow banks to keep users in their application and serve as another monetization tool. Revolut also jumped on this wave with its own solution, which, however, is not so elaborate yet. They cannot compare offers, they do not unsubscribe from you, they only cancel the payment. However, it is a step towards customers (and monetization).
Integrate Stripe with Python Django Elegantly
By: Rain Wu
Tags: Payments, Technology, Software Engineering, Software Development, Stripe

Recently I was responsible for the integration of Stripe online payment service, and take some notes about workflow planning and SDK usage details.

Stripe would be highly recommended for the payment tasks due to its software-engineering-friendly SDK, the succinct interface and complete documentation also helpful during my development.

Image from https://stripe.com/

The third-party python project management tool poetry, and the web framework Django and its dependent REST API extension would be used in this article.

Below is my pyproject.toml file, you can refer to it while building the virtual environment.

Architecture Overview

As far as a platform service which needs to support payment feature was concerned, we can only take care of the payment events form the consumer and hand over almost all of payment processing tasks to Stripe.

Quickly draft the dream above, it will turn out a rough architecture like this:

Stripe empower you with integrated payment functions, with lower development and maintenance cost compared to other third-party services.

We can also implement business logic on the interactions of each of them without strict constraints, in order to compliant with various scenarios.
Creditum offers the best way to spend your cryptocurrencies
Tags: Payments, Cryptocurrency, Creditum, Debit Card, Crypto

For some years the cryptocurrency community wondered about how to spend their digital assets. It was certain that some mechanism would emerge that would not require changing Bitcoin or an altcoin into a fiat currency, and over that last 12 months, that tool has appeared — it’s called a debit card.

Most of you will already have some form of debit card, so it’s not exactly something new. However, that debit card in your wallet, which is most likely from a traditional bank, will not do the job of helping you to spend your Bitcoin.

Enter the new generation of payment cards issued by Mastercard and Visa — cards that allow you to spend a range of currencies, all held in a single account. It’s called a multicurrency account.

Let’s not forget that Bitcoin was born out of a desire to offer a decentralized alternative to traditional currencies managed by governments, and they were intended to be used for daily transactions, such as paying for shopping. Two things have hampered this goal: the volatility in the cryptocurrency prices, and the fact that the majority of merchants have been reluctant to accept them as a payment method. Hence, you will have seen jubilant posts in the crypto press pre 2020 announcing retail outlets or hospitality venues accepting them. But, as the number of people owning cryptocurrency grows, their use for everyday payments is increasing.

Creditum debit card for crypto spending

Creditum offers a seamless way to spend your crypto and fiat currencies. All you have to do is choose the currency you want to use, whether you are paying in-store or online. Also, some merchants are opting to include a QR code at the counter that you can scan with your wallet.

And, when you need to transfer funds, again you can choose your currency. Moreover, you can send it via a simple SMS. No need for those long wallet addresses if you are sending any of your crypto funds.

Creditum’s multicurrency debit cards are a great innovation as they allow you to make your daily purchases using cryptocurrencies (or USD, Euro, GBP) with a well-known payment format.

Sign up for your Creditum multicurrency account at https://creditum.io/

Alternatively, download the Creditum Lite app at Google PlayStore, or for iOS at the Apple store.
WhyLose.com Accepts APL as Payment
By: Apollo Fintech
Tags: Payments, Retail, Cryptocurrency, Blockchain, Apollo

by Marvin Dumont

A new merchant now accepts Apollo Currency (APL) as the team increases global adoption.

@ WhyLose.com

“Training Traders Since 2002.”

Interested merchants can email media@apollocurrency.com

You can buy APL at http://knoxvip.com and http://bitmart.com

Here’s Apollo’s updated merchant directory at CryptoWerk.com.

Apollo Fintech is a leading blockchain company that develops world-shaping fintech solutions for a global economy. Apollo has offices in Africa and North America with plans to expand in Asia, Europe and Latin America. Apollo Fintech is becoming a global leader in Government Blockchain solutions, as well as pioneer of international mass adoption.

Learn more at aplfintech.com.
Why we created another payment system which are plenty out there?
By: Nixt.Io Payment System
Tags: Payments, Payment Processing, Anonymity, Privacy, Nixt

Because most of them are not private, nor anonymous. We are tired of total and excessive governments’ and corporations’ control of our lives and finances. Control that is hardening every year on far-fetched grounds.

So we decided to make our own payment system “with blackjack and hookers”. It was not easy, because you can not use most of turnkey solutions and need to write all code from scratch. But we did it. Hope you like the result.

We definitely plan for further development. If you have wishes and suggestions, will gladly consider them.

Nixt.io payment system
Why My Monthly Subscription Charge Fails In BuilderALL
Tags: Payments, Builderall, Builderall Review, Builderall Business, Makemoneyonlinesecrets

In Builderall, if you signed up for a monthly subscription of any of paid plans. Such as the Premium Plan and the Funnel Club. BuilderALL will automatically charge your credit card each month until you cancel your subscription.

but in some cases, usually in the second month of the subscription.

BuilderAll isn’t able to take successful payment from your credit card on the date your payment is due Because Some Credit Card Companies such as MasterCard or Visa will block the autopayments. you will receive a message that your monthly subscription payment failed.

Don’t worry! Just Click Pay now button and Click the Credit Card to making a payment again. If you have any problems in the Payments, You can press the “Tickets” button, BuilderALL will review your account and the Customer service to assist with any questions you may have.

Builder All will give you two week grace period before your account cancels your subscription if there isn’t any successful payment.
Telegram
By: Nixt.Io Payment System
Tags: Payments, Payment Processing, Anonymity, Privacy, Nixt

Few words about our telegram account and channel. Although Telegram positions itself as secure and anonymous messenger, there are doubts that this is true and you can’t fully rely on that claims. But it is quite popular messenger, so we decided to use it as one of communication channels with our users.

If you are very concerned about your anonymity and confidentiality and don’t trust Telegram than better use Tox messenger or encrypted email service to communicate with us.

Another nuance: as you know telegram account is registered only with valid phone number by getting sms or voice message. And you can’t get truly anonymous sim card — it’s always registered on behalf of somebody’s name.

So to get “anonymous” sim card you have to securely buy it from someone else or use someone’s sim card. We chose to use one of the free “get sms online” services to register our telegram account. So there is a small (but existent) possibility that one day someone tries (and succeeds) to register telegram account to the same phone number, and we lose access to our telegram.

Not a pleasant situation but you have nothing to worry about because this new owner would not get any access to personal chats (if wrote to us) or channel — our account will be reset to a new absolutely empty account because of our security settings. Apparently in that case we also lose all our chats and channel posts. So don’t be afraid if you don’t find us on telegram one day. If this happens we will immediately inform you on our site and medium blog.

Nixt.io payment system
Why Klarna card and Google Pay make me so happy
By: Mai Nguyen Q
Tags: Payments, Nfc, Fintech, Klarna, Google Pay

This day 4 months ago, I arrived in Germany and in Europe for the first time. As a foreigner, who had no financial exposure to the continent before, I would like to share with you a bit of my experience with financial services in Germany.

Before I jumped right into the topic stated in the title, I think some initial context could explain my happiness at the end of this article 😅. So within my first days after my arrival in Germany, one of the top priority task was to open a German bank account. Why it is in my priority list?

Because I need it to receive my salary.

Because I would soon run out of cash I brought with me.

Plus, because I want to do cashless transactions in EUR. Without a German bank account, I had to use my Visa card with Vietnamese currency, which incurred currency conversion cost on top of all transactions. (Not too much, but still an unreasonable cost)

Unfortunately, opening a bank account was not easy as it sounds. I have two options:

Traditional banks

Digital banks or Neo banks (those that operate 100% digital) — I couldn’t wait to try out this service.

The digital bank that I received the most recommendation and also what have in mind was N26. However, they required a document that I did not have at the moment — the Residence permit, not the visa alone.

So I went for traditional bank and trust me, it was just as hard and time-consuming as me getting the visa to Germany. Long story short, it took me roughly 2 weeks to have a workable bank account (that can start receiving funds) and another 2 weeks to get my account and my debit card all set up so that I can do online banking or pay in-store. And why waiting for another 2 weeks? Because all of the credentials, PIN came in mail post.

What is also noteworthy: The no-fee debit card I got from traditional bank (“EC card” or “Girocard”), even when it is ready, only allows you to pay in store with POS machine, do transactions in ATM machines (both on-us and off-us) but not online/card-not-present transactions. If I want to do online transactions, I need to register for a Visa or Mastercard, which of course asks for monthly fee 😉.
Embedded finance shows stronger application
By: Mai Nguyen Q
Tags: Payments, Finance, Fintech, Technology, Banking

Embedded finance has been seen as a rising trend among internet companies and “expected to be dominant in 2030” (Business Insider). Not only does this bring in new sources of revenue, but also create a more comprehensive and seamless experience for users — B2B and B2C.

Embedded finance refers to non-financial companies that significantly increase or even transform their value propositions through embedding associated financial products and services onto their platforms. - TechinAsia

(Credit: Medici)

In learning about the adoption of this trend, I encountered an interesting use case happening in fintech, and to be specific payment acquiring service:

This week, Stripe has brought to live their Stripe Treasury product — a banking-as-a-service API for Stripe’s partners to allow their customers to create a bank account directly from their own platform. Techcrunch covers a prime example for this service:

For example, Shopify will use Stripe Treasury for Shopify Balance. If a Shopify merchant wants to hold money, pay bills and spend money from their Shopify account, they can open a bank account in Shopify Balance directly. This way, they can skip the traditional bank account. Behind the scenes, Stripe Treasury powers that feature.

In an opposite effort, Revolut — one of the pioneer digital banks — is now stepping into acquiring field. Revolut’s acquiring service allows businesses with existing Revolut bank account to accept payment by creating invoices and sending payment link to their own customers.

With Stripe and Revolut’s new products, businesses can now get rid of all the hassle in reconciliation between their own banking account and payment service providers’ portal. And since the two services converge, I believe payout period can be shortened, increasing liquidity for business.
Kyash without Interest
By: Norbert Gehrke
Tags: Payments, Startup, Japan, Fintech, Innovation

Red hot Japanese payments startup Kyash, which raised eyebrows and USD 45m at the end of March, announced on December 1 its latest app version, scheduled for release a week later, including the attractive offer of 1% interest on cash balances funded through bank accounts, Seven Bank ATMs, and convenience stores.

Alas, the “Balance Interest” feature calculating interest daily got pulled at the last minute, as Kyash “received a great deal of feedback from all parties, and there was confusion that was not initially expected. Considering the concerns that may arise, we have decided to temporarily suspend the scheduled service release […] and review the service name and contents.”

Generally, under global banking regulation, if you take deposits, keep “balances” and pay “interest” on them, you are in the banking business. Most of the FinTechs like Kyash, however, do not operate under a banking license, but a payments services, or “e-money” license. That might be the “confusion” referred to in Kyash’s statement — one would think this is not merely a branding, but more so a license substance issue.

As surprising as the announcement of the new service was probably the sudden postponement, assuming that the regulator, the Financial Service Agency (FSA) had been kept appraised of the plans. Payment services operators, unlike banks, are subject to less developed standards, do not contribute to a depositor protection scheme, have limited capital & liquidity requirements, and also do not submit recovery & resolution plans. It cannot be in the interest of the FSA to create a grey area between the two licensing regimes.

While payment services operators typically have terms & conditions that allow them to invest the money they hold, these investments do not secure the balances (just take a look at your PayPal user agreement, for example).

We have not seen further information being leaked yet, and will be curious to snap up more details as they transpire.
How to send payment through your received invoice?
By: Cube Pay
Tags: Payments, Cpay, Cryptocurrency, Cubebit, Blockchain

You can pay for your purchase without having to take out your credit or debit cards. When your clients send you the invoice through mail or when you click the actionable pay button on the sender’s website, you will be directed to the checkout page.

Step 1 :

Enter your email and name in the respective columns to help your client recognize you. You can see the bill amount at the top of the checkout box. After filling in the details click “continue”.

Checkout page

Step 2 :

To your surprise, you will have four options to complete your payments. You can either pay with your Cpay wallet if you have an active account in Cpay (maybe a merchant or personal account). If you do not have one, you can pay with other leading cryptocurrencies (Bitcoin, Bitcoin Cash, and Ethereum)through any cryptocurrency wallet.

Step 3 :

When you click “Pay with Cubepay wallet”, you will be asked to log in to Cubepay wallet. Fill in the credentials and to get into it. Following this, you can easily complete the payment since the seller is also in Cube pay.

Step 4 :

In case if you choose any other cryptocurrency option other than Cubepay, you will see something like the image attached below. Here, the amount will be displayed in the respective cryptocurrency chosen (Bitcoin in my case). The Bitcoin address will also be auto-filled by the application. All you have to do is make sure that the amount is correct, and click “Show QR code”.

Step 5 :

This is how the QR (Quick Response) code appears on your screen. You can use any cryptocurrency wallet of your choice to scan the code and complete the payment.

This is how you can make seamless payments to your sellers or service providers without having to take too much time. We care for you and thus reduced the transaction time when compared to the centralized financial systems and other payment processors.
에이치비스미스, 입출금, 무통장입금 테스트 등 신규 기능 출시
By: Seoha Bae
Tags: Payments, New Service, News, Hbsmith, QA

Learn more. Medium is an open platform where 170 million readers come to find insightful and dynamic thinking. Here, expert and undiscovered voices alike dive into the heart of any topic and bring new ideas to the surface. Learn more

Make Medium yours. Follow the writers, publications, and topics that matter to you, and you’ll see them on your homepage and in your inbox. Explore
Il viaggio di Terra, la blockchain per l’adozione di massa
By: Edoardo Vecchio
Tags: Payments, Terra, Iconium, Mirror, Blockchain

Learn more. Medium is an open platform where 170 million readers come to find insightful and dynamic thinking. Here, expert and undiscovered voices alike dive into the heart of any topic and bring new ideas to the surface. Learn more

Make Medium yours. Follow the writers, publications, and topics that matter to you, and you’ll see them on your homepage and in your inbox. Explore
How Epay helps merchants realize multi-currency pay-out
Tags: Payments, Remittances, Payouts

In addition to providing online money transfer services to global users, Epay can also help merchants to pay out different currencies to their users in a different country. For example, the popular live-streaming platforms nowadays have anchors from all over the world, some of them are from Ukraine, some are from Vietnam, and some are from India. how can the platform distribute the benefits to their bank account in a way?

You can easily understand how Epay helps these platforms pay-out multi-currency through the picture below.

Currently, payout currency including Singapore dollar, Indonesian rupiah, Indian rupee, Malaysian ringgit, Nepalese rupee, US dollar, Russian ruble, etc.

There are 2 ways to payout foreign currency:

API mode. This is suitable for online merchants. Epay can customize the payout interface for them according to their requirements. and multiple currencies are supported. Merchants only need to deposit US dollars to their Epay account, their users can get the earnings in their local bank account. Manual mode. If you are not an online merchant, you can use manual mode. Like the API model, the merchant must have sufficient balance in the Epay wallet. The difference is that in manual mode, each user of the merchant must register an Epay account. When the user needs to be paid, the merchant first transfers money to the user’s Epay wallet, and users withdraw the money to their bank account from the Epay wallet.

In addition to live-streaming platforms, game platforms, online earning platforms, online dating platforms, online education platforms, and remittance companies are also applicable to Epay foreign currency payout. For example, online education institutions, their foreign teachers may come from the United States, Singapore, Russia, etc., then the salaries can be sent to their bank accounts through Epay this way.

At present, Epay is speeding up its expansion of the payout currency, and as everyone expects, The RMB C2C payout service will be officially launched next month. If you need it, please contact us through Epay official website.
How to create Quick web checkout?
By: Cube Pay
Tags: Cpay, Invoice, Finance, Checkout, Payment

When you use Cpay for accepting the payments, you need not wait for the banks to process your payments which might take hours and even days. You can quickly generate an invoice through a web interface and create payment buttons for embedding in your website.

Step 1 :

Visit Cpay merchant and login into your account. Click “Payment Tolls” on the panel on the left side of the page.

setting up quick checkout

Step 2 :

Click “Quick checkout for web”. A list of your sent checkouts will appear. To create a new checkout, click “Create Checkout”.

Step 3 :

A product information tab will appear. Fill in the details of the invoice. You can upload the image of the product as well, just to give a clear view of what is your invoice about to the client.

Note: The minimum price of the invoice should be $10. You will not be able to send invoices below $10.

Filling up the invoice details

Step 4 :

After filling in the details, click “Create Checkout”. Add the information about your client. Make sure that you give in the right email address to ensure that invoice reaches your buyer. Click “Continue”.

Step 5:

After this setup, you will get the link for sharing or embedding it on the website.

This is all you have to do to send a quick checkout to your buyer through Cpay.
Attention Control 0.1 — what happens each hour?..
By: Natalia Belova
Tags: Wasted Time, Wasted Potential, Attention, Control, Time Management

First day with keeping every hour on track showed me how easy it is for me to derail from work…

Again, keep in mind that everything that we do at work or off work is connected to us…that is what we spend our attention, and that is where we spend ourselves…

Before this exercise I would just feel that I am slacking a bit, but now I know for sure on what exactly I spend my hours on…

Only a few times alarm clock got to me when I was fully focused on work, the other times I was starting at social networks, I was stuck for an hour on meetings or waiting for them…first half of the day I was practically just talking to people in order to find out what is it they actually want…

Abd at the end of the day we also had a meeting and interesting thing that I noticed and thst Korol was mentioning a long time ago…if I know that the meeting will be in 15 minutes it is hard for me to focus on work…

The example Alexander gave back then was that he would ask his friend if she had time to go for a walk for an hour tomorrow, and she would say “no, I don’t have time”…and if he would ask what exactly she is doing, she would say that she will be changing tires for a car…not by herself, but will bring the car to the service…

And that is all?.. let’s there is 12 hours that we don’t sleep, we need to eat for 3 hours, need to take a car to the service for a few hours, if it’s longer, we can just leave the car and go…and go and do something…

So there should be plenty of time to take a walk….BUT!

Obviously, sometimes people are really busy and they just don’t want to tell us all the details…so he would ask anyone who would respond in this matter, what other things that person is doing…

And you can imagine that there were people, that were really busy, there were people that just didn’t want to go with him, but the majority was very surprised by the fact, that if they count it there will be plenty of time…THEY WERE SURPRISED!

what does it tell us?.. that this one task took up the whole day of attention, so these people won’t be able to do anything productive then that one task!

So that is how our attention work… going back to the waiting for meetings — it is the same, as soon as I know there will be a meeting in my mind I am already there, my attention, my focus is on the meeting, and I am not present for my task for these 15 mins…and that happens towards most of the meetings…most of the chats — while I am waiting for a response from a person I cannot perform my tasks, because my attention is on that chat…

So it is an art to be able to be present at any given task any given time…but there are obvi rules on that as well and we will get to them…

For now, let me know if you noticed anything strange during every hour in day — did it surprise you how much time you spend on social media?.. or you were working on your tasks constantly and it seems that alarm clock was ringing only every minute or so?..

Did you feel any difference in how the time was going between those hours?..
The Life-Changing Guide About What Not to Do
By: Nuno Fabiao
Tags: Self Improvement, Love, Lost Love, Self-awareness, Time Management

One of my first girlfriends died in a car accident.

She had so much impact on my life that she inspired me to write my first book.

It was in the year 2000. I was 24 years old. The passion I had for her was so strong that the story I started to write in my journal was transformed into a book.

The book’s title is “Talking with the Sea.”

Vera was her name. She was born in one of the most iconic world surf class beaches of Portugal. I was fascinated by this exotic girl. A young sports guy from a mid-size city falls in love with a beach girl.

People who live near the ocean have some kind of connection to the water and life itself. And Vera had that intensity. She was bigger than life. Somehow, she changed my way of seeing the fisherman’s hard life — the severe winters on the beach. The difficulty to have some money to eat.

People who are depending on the ocean to live are heroes. The way they fight against mother nature is fascinating. With insufficient resources, small boats, and little security, they go to the high seas, fighting turbulent waters to grab some fish.

Vera’s father was one of them, and she suffered every time her father was working. Maybe this insecurity of not knowing if parents would return alive from another battle against the deep blue sea, being the fuse for that huge flame that people who live near the ocean have.

Vera had that flame that fired me up. She loved to live life and also to take risks. One of her passions was cars. She loved to drive fast. To feel the adrenaline of a good rally race in the tight roads near the ocean.

Until one day, things went wrong. Driving cars can get you killed. I was devastated.

That was the first lesson I had about what not to do.
Attention Control 0.2 — where does my time go?
By: Natalia Belova
Tags: Research, Time Management Tools, Attention, Control, Time Management

Only the begging and another task already… UHAHAHA… I see that a few people already started on the alarm clock task — thank you for writing me back…

Another task is to write me in direct messages — what do you typically spend your attention on — spend your time on…

As I said before your attention is YOU!

and it’s important what you are spending yourself onto….

First for yourself write down what time you wake up and go to sleep, what time you eat, how many times a day, what exactly…all of it…

What people you usually talk to during work days and during weekends…How you spend your free time…if you read or watch something — it is important the topics and genres — write it down…

The more details the better for you…but it’s all for yourself, after that compress it all on a few sentences, the most important parts and write it to me to direct message — one full message, don’t send a few of them…

I will share mine with you later today…and will compare it to the one I had half a year ago — don’t actually know if it changed…

Again for yourself it is better to put as much details as possible…which social networks you use and how many times a day…what type of food you prefer and which shops you go to buy something…all of it is super important….

But compress it when you send it to me, so I would be able to read it…

Good luck!

So instead of researching secret simbols, let’s research our own selves first…

And obvi do it for a time period — what are your usuals… maybe look at the last month — what kind of things you usually do and how much time you spend on it…

And obvi don’t be imberassed, if you look at videos of cats 3 hours after work every day — that’s alright…I am exactly the same…

As you can see one of my attention consumers is this writing…

Let’s go on an adventure within
How to be productive by cutting down your typing -1 | Ravindra Kondekar
By: Ravindra Kondekar
Tags: Writing Tips, Personal Productivity, Time Management

It always pays to hasten your typing once you have the content ready in your mind, more so if you are not a formally trained typist. Here are some ideas:

The good old Copy-Paste technique is a great force multiplier when you are creating content or writing messages and mails. The technique however hits a roadblock occasionally when your source text is embedded in a picture or the source does not allow copy. The Optical Character Recognition (OCR) tools should save the day. You don’t even need to pay for OCR tool, if you already have MS Office. The MS Office product, OneNote, does a neat job. This is how you convert a picture to text: Capture screen or take a clip of area of interest. Windows OS has a nice tool, Snip & Sketch, for the purpose. Paste the picture in a scratch OneNote document and then on right click select “Copy Text from Picture”. You got your text ready to be pasted wherever you want. Speech to text: You almost don’t need personal assistants for drafting your content. Speech to Text tools have come of age and are useful in drafting content. First draft is anyway trash, so why not get it generated with a babble on your smartphone during your daily chores and walking. This method will also get rid of your mental block for getting the first draft in place. These tools are available not just for English but also for several other languages. Dazzle your audience with the right script of the language than its romanized version. Every domain has its own often used jargon. Some of the words are too long and make us nervous while typing (often mistyping) them, more so when these words are not part of a standard dictionary as then the spell check does not prompt what we need. We can repurpose a feature, AutoCorrect, that is available in all MS Office products. AutoCorrect, if you don’t know, is the feature that, among many other things, automatically turns © to copyright symbol, © or 🙂 to smiley, 😊. These text replacements are pre-configured, but you could add as many of your own. For example, I have to use our server names such as DeepTarget0 or DeepTargetDemo, or product names such as 3DStoryTeller in mails so often. I have configured them in text replacements. When I type DTD, or 3DS, they get replaced immediately with DeepTargetDemo and 3DStoryTeller respectively. You could use even often used phrases and sentences as part of the replacement text.

Happy speedy typing and content creation!

Originally published at http://ravindrakondekar.com on December 26, 2020.
UMOJA
By: The Creationship
Tags: Divine Bradley, Kwanzaa, 2021, Umoja, Time Management

2021 Kwanzaa Calendar by Divine Bradley

Whenever I am saying “Unity” in the swahili language-”Umoja”, It feels like a declaration of an African-centered social machine. During Kwanzaa, I see the day as a theme to invent/create new social systems for the community.

Umoja also raises important questions like “What is my contribution to the system?” Umoja allows me to embrace the concept of unity by first acknowledging what I will offer the greater system. “What is my part or role in the system?” For a more practical analogy, which organ am I in the organizational body ? Which cog do I play inside the clock? Who am I being, who am I depending on and who’s depending on me? Umoja is a call to action that I now acknowledge at the start of each week.

Half way through the year (2020) I decided to reimagine my life by hacking TIME and the experience I was having with Time. I wanted to make the concept of time feel different in my life. So I decided to shift my relationship with the clock and the calendar. I would remix the days of the week and turn them into the seven kwanzaa principles[Nguzo Saba] all year long. I also chose to begin my weeks on Saturdays since I much rather begin when most folks are finishing there weeks. Starting with Umoja and ending it on Fridays with the last principle Imani- Faith.

Practicing the themes has really made a major difference in my life since I began this personal journey a few months ago. As of 2021 I am declaring to be in practice with the Nguzo Saba weekly. Transforming the days of the week inside the gregorian calendar system and covering it up with my graffiti-like visualization [more on this later] of kwanzaa themes. One thing to note is that I’m not anti- Monday, Tuesday , hump day etc, I will still operate knowing that the principles are just new names that have a better theme than weekdays. Giving them more meaning and significance in the way I chose to live my life day to day and week to week.

2021 Kwanzaa Calendar by Divine Bradley

I designed a calendar for 2021 that reflects my intentions and I have made it available for you to use too. It’s the best way for me to be in practice with living a principled life that is rooted in cultural significance each week. To play my part with purpose and to practice an ecosystem-like lifestyle rooted in the Nguzo saba.

Download and print your high resolution Kwanzaa Calendar for 2021.

2021 Kwanzaa Calendar by Divine Bradley

Happy Kwanzaa!
Time Management for working from home and parenting
By: Ashley Blackmore
Tags: Parenting, Working From Home, Home Schooling, Coronavirus, Time Management

The last year has truly changed and shifted the way we work, and the way we parent. Many parents are facing working from home and having to school from home as well. This use to be something that only lived in our dreams, and now is a reality that we are quickly realizing this is a much more difficult task than we anticipated.

Time Blocking — and no this is not the old school technique. We are working with raising children and working from home. Taking your Sunday’s and opening your calendar and having time’s blocked for certain activities per day can help you and your child stay on track.

Smaller tasks and more hands on- we are putting too much pressure on ourselves to ensure that our children “stay on task”. But, this is a valuable time to teach them basics skills.

Changing your work hours- I have been a successful realtor since my son was born. If you time block your day you can designate times for your work, your kids school, and activities.

Daily outdoor activities. We are so thankful to live in a small town, but getting your child out and about is vital. They are so use to being active and playing,keeping the blood flowing is important. Now that the weather has cooled, our walks have became shorter, but we now are looking into outdoor explorations and learning about winter and the importance of it to the spring and summer growing seasons.

Doing the dishes, how to sweep and mop, cooking activities, organizing, coloring, crafts.

Meditation/Yoga- Youtube has some great kid yoga/mediation sites as well as the Calm app. We have become closer by doing these things together.

The most important thing about these times are to be kind to yourself and not focus on setting too high of expectations. Here is a daily example of my son’s and I’s day

7–8 a.m Waking up and getting ready for the day

9–10 a.m I work on my computer and he works on his school work. If he needs more help I will move my computer working back one hour.

10 a.m- 11:00 Active adventuring inside/outside movement. If the weather is crummy we will fill through youtube and find something to do inside. Most often, we are outside.

12–1:30 free time and lunch

1:30–3:30 back to work and school (if schooling is done) private play. This can be coloring, painting, lego building etc. so that is quiet enough to work.

Afternoon- cooking dinner or basic life skills.

Each day can be customized but I have found writing my days out in a paper calendar can truly help tremendously on keeping us focused and our days planned out in a peaceful, fun, and adventurous way!