2% charges on debit card swipe. RBI Rules


Folks ,

yesterday i had been to a shop to purchase clothes for me .

the bill was around 1000 INR and shopkeeper asked for mode of payment .

the moment i said “card”, he said there will be 2% charges extra on the bill .

i asked “why” and he replied because banks will charge us for this .

I tried to tell him that you are not supposed to charge customers for whatever additional charges YOU have to pay to bank.

he kept arguing . he said this rule is not yet implemented.

i showed him the RBI rule , but still he was not convinced . i told him this time i will pay by cash , but next if i visit your shop and pay by card , and if you charge me extra for nothing, i will not keep quite .

OK here is the thing. banks and merchants have mutual contract for using swipe machines and charges should not be levied on customers.my bill amount was less but think about someone who makes a purchase of 50k or higher for any product.. that’s unfair practice

below is the rule. read it carefully

. Levying fees on debit card transactions by merchants – There are instances where merchant establishments levy fee as a percentage of the transaction value as charges on customers who are making payments for purchase of goods and services through debit cards. Such fee are not justifiable and are not permissible as per the bilateral agreement between the acquiring bank and the merchants and therefore calls for termination of the relationship of the bank with such establishments.

5. Though many banks have appreciated our concerns and have discontinued with the above mentioned practices/ products, some of them still seem to persist with them. These practices/ products thwart the very principle of fair and transparent pricing of products which beholds customer rights and customer protection, especially, in the more vulnerable retail segment. Such practices thus violate, both in letter and spirit, various provisions of our MC on Interest Rate on Advances and therefore, you are advised to strictly desist from these practices hence forth.

have you come across any such instances ??  comment me back on comment section

digital unlocked. What’s that?


Google has a great initiative called digital unlocked . this has lessons on internet marketing . how you can take your offline business to online and grow it. Whether it might be your offline store ora blog or a website. 

Its all about digital marketing. I finished my first unit of lesson which speak about how to setup a website for your business and earned a badge. There are still 83 more video lesson ,and when I complete it, I will be eligible to earn a certification.

Do check it out.I have image on the top

Digitalunlocked.withgoogle.com

Question of the day. What methods are you following to grow your business online . 

Watch “How to become an android youtuber. Easy tips” on YouTube


Many of us love creating YouTube channel but people hold back from starting it. They wait for right set of equipments . I have been doing everything on mobile phone . so I suggest don’t wait for anything if you wish to start . start with whatever you have .

Here in this video I have mentioned few essential things which is enough to start your YouTube channel in a budget friendly way or with negligible investment on equipments . do watch till the end

Wordle


I made this wordle today which is a words collection representing my  YouTube channel video categories . Its just fun that you fill up space with blend of words in a random order in a specific shape.. 

Its done with an app called word cloud . 

People can try it.. 

Watch “Channel Trailer” on YouTube


Watch my new Channel Trailer . this gives idea about what my channel is all about we create technical tutorials on various programming language . Subscribe to my channel if you would love to learn new technologies every day like ASP.net, sql server, Angular js, MongoDB, Redis etc..
question of the day .. have you created your channel trailer for your YouTube channel? if yes how did you do it 

Activate your Jio prime


if you know What is Jio PRIME then This video shows How to activate or pay jio prime and become member of jio prime easily from android. No need to go toReliance Digital showroom . no need to visit any reliance website, JIOCare ,JIO Retailer Just download myjio app on your android and follow the process I have shown payment from paytTm app . you can also try net banking or debit or credit card method. you can also Pay JIO Prime Registration Fee of Rs: 99 only from JioMoney please note that REGISTRATION IS OPEN BETWEEN 1ST MARCH 2017 TILL 31ST MARCH 2017

How to Activate Jio Prime – from android

Build your website in 5 mins


whatever your profession is , having your own website gives you an extra edge over your peers to market yourself in a better way

if you are a businessman/woman having website makes way for reaching out to your customers in an efficient way

promoting your services, products would become a cake walk

and that even good if you have it for free .

now i recommend https://www.wix.com

reason being that many are non technical and even if you are techie , you would hate spending time on coding from the scratch .

wix has something called artificial design intelligence mechanism which makes easier for you to build your website within minutes

you just have to select template and customize over it

wix1

you can change design , edit content , add content , modify it in your own way . the wizard will take care of the rest

because you are creating it for free, your site name will be appended by .wix.com , you get paid subscription which will allow more benefits and own your domain name .

but for google analytics and SEO , Adsense , i feel WordPress is better but price is little more for WP .

question of the day ..do you own a website ? if yes, what web hosting facility do you use . let me know in the comment section

Create awesome custom thumbnails on android


Folks,

I see many people on YouTube who are not uploading appropriate thumbnails.

a)have misleading thumbnails

b)leave YouTube itself to choose thumbnails randomly from the video which may not be seo friendly or user friendly or do not give proper message to viewers .

c)Sometimes it may look messy too..

Sometimes we aren’t able to access our desktop or laptop to create custom thumbnails .

Now I made a video to show how easy it is to create thumbnails on android phone . it may also work on iPhone . please check .

The app name is pixellab. See the video I created which explains it all

I’d like to share this video.

How to create YouTube thumbnails from android phone

Question of the day is ,”what app or software do you use to create custom thumbnails for your YouTube videos”

My technical channel


Folks ,

I now have  my technical channel   on YouTube. I have 7 videos on different technologies uploaded already. I’m not sure  how many of you are into IT firm ( information technology) and would take interest in watching .but this is something which i had in my mind since long time and the channel is finally up and running. my videos are basically tutorials made easy on various programming languages. If it helps even 1% of million people then that’s an achievement again. ahem but the target is actually 100 subscribers by atleast 6 months.

Below is the link to recent tutorial video

I’d like to share this video.

Angular js controllers

Do comment back if you want me to make videos on any specific technology I will try to cover that too.

And there is this lovely button called  “subscribe” .love it.. date it.. kiss it I dont know..  just click it..

10 rs coin banned by RBI ? Reality explained


today , after lunch i went to have buttermilk . when i took out 10rs coin to pay to shop keeper, he denied .

shopkeeper: “sir , we dont accept 10 rs coin. please give us note .“,

me:”huh?? why? whats the problem with this coin?

s:”Sir, its banned by government , dont you know ?

m: “boss, who told you this ?

s:”sir you can see Facebook or whatsapp  messages, i can show you

(shows some posts and images which was circulated in his group..)

me:”did PM announce this ? did RBI announce this ? did finance minister announce this ?

another colleague of shopkeeper:” sir please give note sir , we are receiving counterfeit coins “

me:”this is genuine man , also i donot have change, i only have 500 rs note .”

s:”ok give me”

i gave him 500 rs note and he handed over 490 rs balance to me .

i wonder how ill-informed are people who believe in some fake posts on facebook and whatsapp ..

below is the original circular by RBI(Reserve Bank of India)

rbi

PS:please click on image or zoom to see the above circular more clearly

my sincere advice is to people in india , not to believe in Facebook and whatsapp forward messages and post blindly .. refer different genuine sources and then decide.

if my understanding wrong, kindly throw some light on this so that i can know the reality better .

Question of the day :

Have you been in similar situation where anyone has denied to accept 10rs note ?

comment back & share your experience.