The Importance Of Secure Online Bill Payments In The Digital World

Online Bill Payment through XPay Life. You can make faster, easier and secure payment for all multi-utility bills such as Electricity, Gas, Water, Postpaid Mobile bill, Landline, Broadband, DTH Recharge become easier with XPay Life.


The digital payment sector has been evolving at a significant pace from the past decade and secure online bill payment has been of paramount concern. The rapid shift towards the digital payments in India has been a result of many external factors acting upon it. The high customer acceptance was initiated by Smartphone Penetration, less cost of service delivery, unorganized Indian payment sector supporting the digital economy, Demonetization. These are the main factors for Indian society to embrace digital solutions in all sectors including health, bill payment, retail, etc.

The smartphone influx has been on an ever increase in the past few years. Electricity bill online payment apps are providing a pervasive mode for bill payment. All the peer-to-peer transactions, bill payment transactions, retail transactions have now found a common gateway for financial transactions through the highly ubiquitous mobile applications that are adaptable on both Android and iOS devices.

But with the influx of all the smartphones and digital payments gaining much requires traction, there is a concern related to the secure payments and data security. Customers are more aware of the cybersecurity and the frauds related to information theft, identity theft, malware, and virus attacks. Most people use the smartphone for digital payments as that comes with the freedom to pay anywhere, anytime and it comes with an additional benefit of portability and ubiquity. online water bill through the mobile has been easy but at the same time exposed many cybersecurity threats.

The main reason for cyber attacks is less awareness about cybercrimes amongst users.

The endpoints/devices used for digital payments are not secured(for example: awareness levels due to varied user-profiles Endpoints/ devices being used for digital payments are not secured (such as mobile phones, desktops, etc) hence there are more security issues related to the endpoints.

There has been cumulative attacks on users through the infected apps, where the malware is under the disguise of useful apps secretly codes the malware in the user's device and identity theft.

Lack of adequate address format for the post the cybercrime incident has left people crippled after being exposed to the cybercrime inadequate measures for the refund of the lost finances.

Hence choose an application like XPay Life that is built on the most secure payment gateway called blockchain technology. This is India’s first mobile digital payment solution provider that is providing all possible solutions to the bill payment sector through the mobile app, web, ATP kiosk, POS machine, and Mobile vans. Easy Postpaid Mobile payment can be done without any hassle or ambiguity for the security concern as both the application and website don’t store any credit/debit card details hence ensuring safety while making the payments through securing the identity of the customer and prevents the unauthorized transactions through the registered account.

What Do Customers Need?

The customers who depend on the digital modes of payment require security by design for all digital payment products for the Broadband Postpaid bill payment.

As post demonetization, the demand for accessing the digital payment channels is high with a growing customer base. Although this provided a fertile opportunity for the bill payment service providers, the demands for the solutions resulted in the launching of new products and applications in a short span of time. Hence the security designs aren’t made in the prerequisite model that demanded high-security measures.

Hence choose to pay Online Gas Bill Payment through XPay Life that provides India’s only payment gateway built on the blockchain technology that is resistant to any changes in the data stored in the chain of blocks, each having a unique element called as a hash which is as unique as the human fingerprint. Hence there is no possibility of tampering with the transaction.

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