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.Unplugged Mind

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My Blog

UPI & E-Wallets (Status: It’s Complicated)

It was one fine morning of August 2016, I had just finished my first early morning walk of this year's second attempt to "get fit" goal. Before I could head

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Introduction to ISO 8583 Message Specification

My almost a decade long experience in Payment domain allowed me to understand financial transactions better. Here I will try my best to provide a simple introduction to ISO 8583

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Refund vs. Reversal vs. Void Transactions 

A transaction typically go through two cycles, i.e; Authorization and Clearing. Reversal, Refund and Void transactions all meant to return the money to customer. Depending upong what caused the return

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Payment Tokenization – Clearing Flow

In the first part of Tokenization articles we covered the basic understanding of tokenization and in the second part we covered the Authorization flow. In this article, we'll dive deeper

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Payment Tokenization – Authorization Flow

In the first part of Tokenization we covered the basic understanding of tokenization. In this article, we'll dive deeper to understand the tokenization based authorization flow. The following are the

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What is Payment Tokenization?

Tokenization is basically a substitution technique. Substitution is practiced to isolate data or information in an ecosystem. Payment world adopted tokenization to secure sensitive data like Primary Account Number (PAN)

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Aadhar Pay

Aadhar Pay is an Aadhar Enabled Payment System (AEPS) by UIDAI and NPCI. It eliminates the need of a debit card Or mobile wallet like paytm, mobikwik etc Or even

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