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    Gone are the days when we used to stand in those long queues, in the scorching sun to pay our bills. We would dread at 1st of every month as it was again time to take the not so pleasant trip to those KEB offices. But now, all this can be done at the click of our fingers. We can now pay our bill and even recharge our phone through, online portals like payatm. With the advancement in technology, transferring and receiving of funds has become very flexible over the years. Popularly known as e-commerce payment method, where all the transactions are done electronically, i.e. online. This method has become popular mostly due to increasing popularity of online business, online shopping and e-banking.