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    In the case of a credit card, we are provided with a credit limit by the bank, which we can
                          use to purchase products. To avoid online fraud, each credit or debit card has a three-digit

                          unique secret  Card  Verification  Value  (CVV)  number on the back side of it. The bank
                          also sends a One Time Password (OTP) on your registered mobile number to verify the
                          authenticity.
                          Net Banking: We can directly use the bank account to make payments online. Every bank
                          provides each customer with a unique Customer ID or Net Banking ID and a PIN. With
                          the help of the customer ID and PIN, customers can make payments while purchasing the

                          products from e-commerce websites. Similar to a credit or debit card, an OTP is received on
                          the registered mobile number in the case of net banking.

                           E-Wallet: E-wallet or Electronic wallet refers to a digital wallet that is used to make payments
                          online. Before using the e-wallet, we need to add money from the bank account. Most of the
                          e-commerce websites provide their e-wallet. Some banks also provide e-wallets to their
                          customers. Some third-party  organisations  also provide
                          payment support to their customers. Bhim UPI, GooglePay,
                          PhonePe, etc. are the most commonly used Payment Service
                          Providers (PSP).

                           Cash on Delivery (COD): Most of the e-commerce websites allow us to make the payment
                          by cash while receiving the product at your residence.

                            INTERNET FREE CALLS

                      Voice-over-Internet  Protocol  (VoIP)  is  a  technology  that  allows  you  to  make  calls  using  the
                      Internet instead of traditional telephone lines. It is primarily used for voice communication but
                      can also transfer voice, fax and multimedia content. VoIP is available on smartphones, personal
                      computers, laptops and other Internet-enabled devices.

                      VoIP offers many advantages, such as:

                          Low operational costs.
                           Reduced communication and infrastructure expenses.

                          Compatibility with various devices like personal computers, laptops and mobiles.

                          VoIP to VoIP calls are generally free.
                       Clickipedia

                        Danny Cohen developed the first VoIP service in 1973, calling it Network Voice Protocol
                        (NVP). VoIP began to be used commercially in 2004.

                      However, VoIP services also have some disadvantages, including:
                          Potential data loss.

                          Less reliability.

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