• Nidhi Chetan Kumar Shah
• Mohib Pathan
• Dr Dipak S Gaywala

E-commerce involves buying and selling goods and services online, while e-payment is the process of making payments electronically. In India, popular methods for transferring money online include NEFT, RTGS, IMPS, and UPI, all of which are secure and effective. This research uses a descriptive analysis design to collect primary data through a questionnaire distributed via Google Forms. The target population is people with bank accounts, and the sample frame is people who use e-payments. Most respondents were male and aged between 21-30, with a graduate degree and annual income below 2.5 lakhs. All 100 respondents used e-payment, with UPI as the most preferred service (89). There is no significant gender difference in NEFT and IMPS usage, but in RTGS and UPI, more males use RTGS and more females use UPI. The average awareness level of e-payment services is significantly higher in males than females, with males being more aware than females. All respondents used e-payments, with UPI as the preferred service. Gender differences were observed in the usage of RTGS and UPI, and males had a higher awareness level.

NEFT, RGTS IMPS, UPI

"“A contemporary study on electronic payment with special reference to different ways to transfers funds in India”", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.10, Issue 2, page no.e239-e244, February-2023, Available :http://www.jetir.org/papers/JETIR2302427.pdf

"“A contemporary study on electronic payment with special reference to different ways to transfers funds in India”", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.10, Issue 2, page no. ppe239-e244, February-2023, Available at : http://www.jetir.org/papers/JETIR2302427.pdf