It’s the middle of the night. It is quiet without the usual hustle and bustle of the city. Hardly any cars are passing by, perhaps only that of the occasional roving police vehicle. You check your Facebook newsfeed and one after the other, your friends are posting food pictures. You go on Instagram and it is the same thing, a whole load of food pictures.
Trying to order online
So, the hunger strikes and to address the cravings and make quiet the grumbling stomach, you use your mobile device to order food, as everyone else does. Much to your dismay, you can’t because the restaurant does not provide the cash on delivery option. You need to be ready to make an instant online payment and in the middle of the night, you can set up an account.
Setting up an account
So you have your bank account and it has funds. Then, you get to download an e-wallet in a few minutes. After verifying your identification, you make a funds transfer from your bank account, then you are ready to make a payment transaction at that particular restaurant that accepts payments from that e-wallet. You make an order and it gets delivered in a jiffy.
E-wallets
It is so easy to make an online payment when your financial accounts are in order. But, what if you don’t have a bank account? There are e-wallets that can be loaded from electronic machines located at convenience stores and other places. You can also ask a friend or a relative who has the same e-wallet to send funds to your account. Adding funds to your e-wallet is easy, especially if it is a popular one.
Use it to pay at retail stores
When you get to a store, you don’t have to pull out your wallet. All you need to do is to use your mobile phone as a wallet, as it has that e-wallet app. There is a process of making a payment transaction at a payment terminal which usually is initiated by you scanning a QR code, inputting the amount to be paid, and completing the payment transaction by tapping on the submit button. The store will receive the notification that the amount has been paid, and you will be given your item with a physical receipt. You will also have a record of your payment transaction and your balance will be automatically updated after the payment.
For record-keeping
Most people do not bother to keep track of their expenses. But, it is sometimes necessary to do so for budgeting and for accounting purposes. When you use online payments, there is a record of all transactions. The transaction record is detailed and includes such things as the name of the account holder, time, date, and amount.
For those who need to make an online payment fast, it is easy to download a payment app. When you choose the app of a reliable payment provider, you can use it to make both local and international payment transactions.