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Refunds with PayKun Payment Gateway

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Refunds with PayKun Payment Gateway

It takes only seconds for the payment to get deducted from the issuing bank (customer’s bank) if the transaction is successful. However, due to any reason when the refund is to be made of the same amount it takes hours to days for it depending upon the payment method to reach the customer. Due to this, the customers face this question as to why this delay in the refunds they get; whereas the payments to the merchant are instantaneous. 

This blog discusses the reasons for the refund, the time duration taken for the refund, and the reason why it takes longer.

PayKun Payment Gateway Refunds

It is necessary to understand the reasons for which the refund needs to be processed to further understand the respective PayKun Payment Gateway refund process and intervention:

  1. When the transaction gets failed but the amount gets deducted from the customer’s bank account, the auto-refund is processed from the backend

In this situation, the payment does not reach up to the PayKun payment gateway. It is hampered due to the authentication & authorization failure or any other reason. There are various reasons for a transaction getting failed which are as follows:

When the payment status is not provided by the issuing bank or the acquiring bank because of the below possible reasons the payment gets failed:

  • Internet Connection Lost
  • Internet Speed is slow
  • Customer clicks on the ‘Back’ Button
  • Browser closed at the time of Processing of Payment 
  • The number of transactions allowed exceeded
  • Authentication failure, etc.

Many times, a ‘late response’ is received from the bank-side, and it needs to be reconciled from the PayKun Payment Gateway; which is known as the Reconciliation Process. This situation occurs when the status is not final from the bank side.

If the transaction is successful it is settled to the merchant from the PayKun Payment Gateway as per the settlement cycle. 

Now, if the payment was failed but the amount is deducted from the customer’s account then it is auto-refunded from the bank side and it would take around 7 – 14 working days depending on the payment method used. (the approximate days as per the payment option is mentioned in the further part of this blog)

All in all, for a failed transaction the amount does not reach up to PayKun, and thus in the refund process too, the PayKun payment gateway does not play any role. The refund is there in the process taking the normal duration from 7 – 14 working days.

  1. Because of the reasons like the non-availability of the product, the merchant can decide to issue the refund to the customer
  2. The customer requests a refund if they have any complaints, product not as per satisfaction, etc.

In both the above situations, the merchant is the one who will initiate the refund from his PayKun payment gateway merchant dashboard. 

PayKun payment gateway does not have the authorization to issue the refunds apart from certain rare exceptions.

Thus, the merchant would initiate the partial or full refund following the below steps:

  • Go to Merchant Dashboard >  Transactions Tab 
  • Under Payments,> Click on Transaction ID (for which you would like to issue a refund)
  • On the right side, you will get a Drawer. At the bottom, you will find the “Issue Refund” option.

PayKun Payment Gateway Refund Process

Before we understand the refund process let us get an idea of the process taking place or the parties included when the payment is done through the PayKun payment gateway or any other gateway transaction.

The transaction is processed in the below sequence after the customer initiates the payment with the payment gateway:

  • After the customer fills the checkout details at the merchant website, an Order ID is created on both sides – merchant, and gateway
  • Further, with the payment details entered the details are received by the PayKun API 
  • The gateway sends the request for a response from the acquiring bank
  • After the authentication is received, the request is forwarded to the issuing bank for the payment deduction
  • The authorization from the issuing bank is sent to the acquiring bank (accept or fail), which in turn sends it to the PayKun payment gateway.
  • PayKun would further pass the response and the customer gets the same.

Because the process is automatic and happens in seconds.

Now, let us consider the reverse cycle of this and that is a refund. The merchant initiates the refund from his PayKun merchant dashboard. The further process depends upon the payment method used by the customer at the time of making the payment.

It has the involvement of the various parties. The process depends and varies as per their respective procedures and authentication methods.

It is not fully automatic like it is in making the online payment. It involves a manual process at different stages and parties.

Delay in one stage may result in further delays in other stages. It goes by the payment gateway, acquiring bank, and issuing bank with back and forth possible manual interventions for authentication and authorization.

The approximate days for the refund process could be as follows:

  • UPI: Instant or Maximum 2 working days
  • Debit/Credit Card: Minimum 5 working days and Maximum 10 working days
  • Net Banking: Minimum 2 working days and Maximum 10 working days
  • Wallet: Minimum 1 working day or Instant and Maximum 3 working days

Concluding-

The refund amount goes back into the same source of payment through which the payment was made. The normal refund window is 7 – 14 working days, if a further delay occurs, then the solution is to contact the PayKun payment gateway to know the status of the refund. However, once the refund is initiated it depends upon the banking process and the gateway is not responsible for any delays.
You may drop an email at support@paykun.com for any queries or concerns.

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Buy High-Quality Youtube 10k Subscribers Instantly

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increase watch time

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5 best battery saver apps for Android

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5 best battery saver apps for Android

Battery saving is a land of snake oil and half solutions. It truly is difficult to find an application that actually saves you battery since most battery saver measures are manual, including turning the brightness on your screen down, turning down the frequency that apps sync data, and other tried and true methods. In most cases, you see a bigger improvement when you understand what causes battery drain and how to identify and mitigate your biggest causes. Still if you want to try out some apps that might help, here are the best battery saver apps for Android!

Battery Guru (root and non-root)

Price: Free / Up to $19.99

Battery Guru is an excellent battery saver app. It doesn’t work like booster apps or service terminators. Instead, it helps you keep your battery health as high as it can be. The app contains notifications for battery temperature limits and charging limits so you don’t wear out your battery sooner. Additionally, there are some battery saving modes that can help reduce battery drain so you charge less often. It has a Doze Mode customization tool so you can make it even more aggressive if needed. However, that last feature requires root or for you to input some ADB commands to give the app permission to do those things. It’s great for power users.

LUX Battery Master (non-root)

Price: Free

LUX Battery Master is one of the most popular battery saving apps. It identifies apps that wake up your phone more frequently. It can also help keep them from doing that so often. The app also has modern features for Android Nougat and beyond with Aggressive Doze and Doze modes. This app is useful for non-root devices. All of the features are free.

Highlights features:

* Battery Saver mode.

* Optimize battery usage.

* Real-time battery electric current monitoring.

* Real-time battery information indicator.

* Remaining use time.

* Battery usage stats – Charge history.

* Battery information.

* Battery health information.

* Dark mode support.

★ Battery Saver

Save your battery power and optimize battery usage.

Longer battery life up to 50% with Super saving mode.

★ Battery Real-time Indicator

Real-time battery electric current update in the status bar and notification.

★ Battery Real-Time Monitoring

Monitor your battery information like an electric current, temperature, capacity, voltage,… in real-time.

★ Battery History

Displays a detailed and intuitive list of the device’s battery usage and charge history.

★ Low Battery Alarm

Protect your battery by alerting when the battery level is low.

★ Full Battery Alarm

Protect your battery against overcharging by alerting when the battery level is full.

★ Battery Overheating Alert

Protect your battery when the temperature gets too high.

GSam Battery Monitor (root and non-root)

GSam Battery Monitor is another popular battery saver app. It won’t do anything to save you battery life on its own. However, it can provide you with information about the apps draining your battery. You can use that information to improve your own battery life. It can show details on wakelocks, wake time, and even CPU and sensor data. It faced some difficulties with the latest versions of Android. However, you can use an ADB command to give GSam access to more granular app usage stats and other controls. There is also an optional root option if you use a rooted phone, but the ADB option should work for most people, root or not.

Servicely (root only)

Price: Free / Up to $13.99

Servicely is one of the better root-only battery saver apps. It works by stopping services that run in the background. It helps prevent rogue apps from going bananas and keeps them from syncing all the time. This is great for apps you like having, but you don’t want syncing all the time. You may get a delay with stuff like notifications, though, so do use this tool carefully. This app works well with wakelock detectors as a potent one-two punch. It’s highly configurable with enough options to make it work how you want. You can get the pro version as a $3.49 in-app purchase.

Wakelock Detector (root only)

Price: Free / $1.99

Wakelock Detector is one of the best battery saver apps. As the name implies, this app helps detect wakelocks. It can detect both partial and full wakelocks. You can also get a list of all the apps that are causing it. From there, you can take steps to uninstall the apps, find replacements, or use another app like Greenify or Servicely to put a stop to that nonsense. This is the one we’d recommend first to root users.

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How Architecture affects Mental Health?

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What do you see first when you wake up? Your room after your mobile phone. Is your room welcoming, gives out a positive vibe or it’s overloaded with stuff and suffocates you?  Surroundings impact our mental health more than we give it credit for.

Many studies have vouched that scenic environments promote better health whereas city dwellers are more likely to get affected mentally by overcrowding, traffic, tall buildings, and screaming sirens.

Skyscrapers, closed-off office setups, isolated communities, and oddly designed urban spaces intersect with mental health, thankfully, architects are more concerned now on how their design would have an impact on the mental health of a person.

How Architecture affects Mental Health?

Not yet mainstream but the impact on mental health is taken into consideration when designing public places. Mental health is not a stigma anymore, thanks to many campaigns and increased media visibility.

Interior Design & Human Emotions

The bond between Architecture and human emotions is thousands of years old, however, it has gotten recognition now. The Indian Vastu and Chinese Feng Shui have elaborated this unique bond.

Sunlit Spaces

Do you know that the sun symbolizes health, passion, and growth? if not, you do now, and the sunlight is considered the ultimate mood lifter. In modern times, darker color paints are trending and many people are following the trend without knowing its impact. Darker rooms cause low mood and drain the inhabitants of energy and positive vibes.

Ceiling Heights

When the height of ceilings is in talks, it has a greater impact on the individual’s sense of freedom or confinement. Rooms or buildings with higher ceilings boost creativity, increases productivity, and improves mood.

Color Psychology

Many colors have a soothing effect on the mental wellbeing of a person whereas some colors come under the category of ‘big no-no. Yellow and orange are the colors of happiness, green, blue, and purple give out a calming effect. White makes the room spacious. Red, black comes under the ‘big no-no’ category.

Balance

How do your surroundings make you feel? Is it too overcrowded, claustrophobic, or overloaded with stuff? If space is filled up to the neck, it will make the individual lazy and anxious. In a room where everything is pleasantly placed, he will feel relaxed and productive.

Spaciousness

You will be surprised by how spacious places or homes will boost up your home. Open, clean spaces with minimal clutter are better for mental health as they are welcoming and fill the person with positive energy. Do not build too many walls just let the area be, open, wide, and inviting.

Nature

Do not rely on steel, wood, and cement as they just build a house, its people, plants, and flowers that make up a home. Do not consider them just another accessory, their presence improves concentration, memory retention, and reduces stress. Decor up offices, public places, and homes with plants and see the results yourself.

In brief, times are changing and we have to rethink the architectural impact on mental health. We are all searching for spaces where we feel happier, accepted, and relieved, well-designed spaces can somewhat help in feeling secured and protected. Change in architectural practices is long overdue.Make sure a good company puts great impact like jacob martin is best one in abilene.

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Why Do We Need A PWA Instead Of A Native App?

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PWA development

More and more people use smartphones in today’s modern world, and the mobile application has become an indispensable part. It would be a mistake if we not mentioned the native app. However, when PWA appear, it surpassed the native app in every aspect.

If you are confused between PWA and native apps, this blogpost will point out their differences. Also, the reasons why progressive web apps are now preferable will be provided. Now just read on to find out why we need a PWA instead of a native app!

1. Installation

PWA

It is easy to install a progressive web app onto your phone or even your PC. Just a click on “Add to home screen” then you can use it right away.

However, this feature is not yet supported on the iOS browser – Safari. But don’t worry! TigrenPWA has already provided a pop-up to instruct PWA users to add to its home screen.

Native Apps

On the contrary, downloading a native app would take more time and effort since it includes more steps. First, you have to open your app store and search the app that you want to download. Then, click on the “Install” button and wait until the installation completes.

2. Updates

PWA

It is simple to update the progressive web apps. The only thing users have to do is refreshing. Thus, it only takes a split second to complete the updates.

Native Apps

The updates on native apps are more complicated since both merchants and users have to do it. For users, they have to open their app store to install updates. It may take a few seconds or even minutes to finish.

For merchants, native apps require updating in source code, then submitting to the app stores. Once the updates are approved, users will receive a notification.

3. Cost To Develop

PWA

Depending on the complexity of functions, the cost to develop a progressive web app may start at $5000. Hence, it is suitable for different business scales.

Native Apps

It is much more expensive to develop a native app. The total fee may come up to $100,000. For small apps, the PWA development cost starts at $10,000. For eCommerce apps, merchants will have to pay at least $30,000.

4. Maintenance Cost

PWA

The fact is it costs nothing to maintain a progressive web app. The only fees you have to pay are hosting and the domain name, which is equal to a website.

Native Apps

Unlike PWA, the native app has tons of fees that need paying, such as submission, server, and even push notification costs. The annual submission cost may vary depending on the operating system. Google Play Store charges $25 while Apple App Store demands $99.

The monthly server cost ranges from $20 to $60, and the push notification fee is $10 a month. Besides, if you want to update your app, it is essential to hire a developer. That means you have to prepare another amount of money.

5. Time To Develop

PWA

Depending on the app’s purpose and complexity, the PWA development time may last from 1 to 3 months.

Native Apps

As we know, different operating systems require a separate application. Hence you have to build at least two versions of an app for iOS and Android. That means it will double the time to develop. In general, the PWA development time of a native app in a platform is six months.

6. One-time Development

PWA

A benefit of PWA over native apps is one single codebase for various platforms. Which means we only need to develop the app once.

Native Apps

As mentioned above, different operating systems need separate versions of an app. Hence, one version of a native app can only be used in one platform.

7. SEO Friendly

PWA

Since a PWA is a website, it can also be indexed in search engines. Like any website, a progressive web app has URLs and is supported by popular browsers such as Chrome, Safari, or Firefox. Thus, PWA surpasses native apps in SEO and the number of visits to your site.

Native Apps

As you know, a native app can only be found in the app store. Therefore, it can not be indexed in the search engines. Thus, building native apps is not useful for SEO.

8. Data Storage

PWA

PWA don’t need to download all data to the phone like a native app. Hence, a PWA only needs a small amount of your device’s memory. This is also the reason why a progressive app can approach more types of customers. PWA is such a convenient tool for mobile users in countries where the Internet and wifi are not widely used.

Native Apps

A noticeable disadvantage of native apps is that they are eating up too much storage in our smartphones. On average, an iOS app takes up nearly 40MB, while an Android app requires approximately 15MB. Unless the memory is big enough, it is impossible to install many apps on the device.

Last Words

As we can see, PWA brings more benefits to both merchants and users in various ways. With all of their outstanding features, progressive web apps can be regarded as the mobile app’s future. Thus, merchants should take the chance to create one PWA for their businesses.

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DIY Platforms and Custom Made Websites; which one is better?

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Websites play an important role nowadays. No matter you running a physical business or an online store, you will need a website to reach potential employees and inform your current clients about current happenings.

In 2021, using new technology, creating a website is no longer a difficult task. Anyone with basic knowledge about the internet and computers can easily create their websites in some hours. These websites are created on DIY platforms like WordPress.

The other way is to create a website on your own through coding. For this, a person needs to acquire web development skills and if you don’t have such knowledge, you can take services from some skilled freelancer or an agency.

In this article, you will learn how to create your website in the above-mentioned ways.

Creating a website on your own

Creating a website through coding doesn’t only take skills but a lot of time is consumed too. You will need to create your site from scrap. Buying domains and hosting are not tough but coding is quite daunting. You will have to put a lot of effort and time to create a great looking website.

A website that you build on your own will give you a lot of benefits like you will have full control, you can change/alter anything, you can create your own unique design to attract customers and so on but if you are running a business. You perhaps won’t be able to give time to your website. The easiest way is to hire a freelance web designer to help you out.

A freelance web designer is a person who is professional in creating an impressive website in no time. From domain to design, they can handle every aspect. If you are interested in hiring a freelance, you can get in touch with the freelance web designer UK. He is an award-winning freelancer that can help you create your own website. He is dedicated and will craft a website according to your preference.

Another way is to get in contact with a web designing agency. These are best for people that want a custom-built website with a lot of functions. They have dedicated teams with members that have separate roles for different elements in a website. The thing that you should keep in mind is that you should have a high budget if you are getting their services. Roughly a custom-built website with a unique design will cost you around $2000, which is a very high price. But they are best in creating a professional website that can help you get a lot of sales.

Creating a website using DIY platforms

DIY platforms gained influence in recent years because of the ease they provide in making a website. Through these platforms, you can create a website in some hours. WordPress, Wix, Shopify, all of these are sites where anyone can create a website.

Here are some short and simple steps that you can follow to create your own website.

Buy a Domain

Buying a domain is the first major step to create a site. The domain is the name of your site or you can say URL that can be used by the users to find your website through their web browser. You can buy an existing domain or buy a new one with the name of your choice. The price is around $10-50 per year.

Register Domain and get web hosting

Web hosting is a service that saves your content in a secured server in order to keep the data safe and visible to the viewers. If you don’t have web hosting, your content will not be visible to the users. Web hosting will cost you around $3 to $10 per month.

Note that no matter which hosting company you choose, make sure they offer you the following features.

  • The domain name for free with an SSL certificate (for security)
  • Free one-click-install for WordPress
  • Unlimited or unmetered bandwidth
  • Custom email accounts
  • Customer support 24/7 with live chat service

Install SSL certificates for security

You may have seen a lock symbol on the left of the URL of a website, if you click it, the text will say that this website is secured. SSL in short makes sure that your site is delivered to the users securely. Visitors prefer secure websites. However, if you don’t install SSL on your site, your site will still run smoothly but malware and other potential danger might be on their way. So beware.

Buy a ready-made theme

Website design is important and is important to catch the visitor’s attention. Building a website through DIY platforms is easy because you don’t have to design your website’s structure. You can simply get a free template of your choice or buy a paid template and install it on your site. It is as simple as it looks.

You can, later on, customize your themes by adding your logo, text, and everything related and make it look more amusing. You have to buy this theme one time and can use it anywhere you want like on multiple websites. These theme’s cost ranges from free to thousands of dollars, depending on your preference and needs.

Add Content on your site

Pages are the essence of your website, you will have to craft engaging content for your readers. You will have to add content on different pages if you want your readers to stay on your website, buy your stuff, or get your services. You will have to add text on the following pages:

  • Home Page
  • About us Page
  • Contact Page
  • Blog Page
  • Service Page
  • Shop Page

Also, you will have to add content on regular basis, so that readers of your site regularly visit your site and read the content.

After creating a website successfully, the next step is the SEO of your site. You will have to strive hard to rank your website on different keywords if you want more visitors. Hope this article helped. Good Luck.

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