Friday, May 14, 2021 - I rely on this only


          The CoWIN website team offers multiple APIs for public use. Through this APIs, Web and App Developers are pulling the data and sharing to their users.

          There have been instances of Indian Jugaad and deploying the APIs to bypass the system, and get quick access to vaccine slots.

          To reduce such instances, CoWIN administrators have made few changes to the API data.




Co-WIN Public APIs to find appointment availability and to download vaccination certificates.

These APIs are available for use by all third-party applications.

The appointment availability data is cached and may be up to 30 minutes old.

Further, these APIs are subject to a rate limit of 100 API calls per 5 minutes per IP.

Please consider these points while using the APIs in your application.




2nd Dose eligible beneficiaries – CoWIN calculates the minimum gap required between the 1st dose and the 2nd dose and displays only the available vaccination centres after the 2nd dose eligibility date.  This reduces the stress on the beneficiary. There is no need to see the vaccination centres if one is not eligible for the 2nd dose.

Two types of APIs are hosted by CoWIN team

01)                       CoWIN public APIs

02)                       CoWIN private APIs

Public APIs

User Authentication APIs

Authenticate a beneficiary by Mobile/OTP

Confirm mobile OTP for authentication

Metadata APIs

​Get states

Get list of districts Appointment Availability

Get vaccination sessions by PIN

Get vaccination sessions by district

Get vaccination sessions by PIN for 7 days

Get vaccination sessions by district for 7 days


Certificate APIs

Download vaccination certificate in PDF format by beneficiary reference id











Private APIs: -

Production Server


          The APIs help any IT Developer to build apps which retrieve data as per the respective API function. This is a transparent method and the end user can be assured that the data is coming from an authentic source only.

Of course, if the IT Developer adds some more features to the final app, than the dynamics may change..

          In the coming day, based on the feedback received by the users, more and more enhancements will be visible in the CoWIN App


Disclaimer: These are my personal views only. The bottom line is Mission #LessCashNotCashLess. Nothing more – Nothing less


Indian techies have found workarounds to the government’s inefficient vaccine booking system @



Sunday, May 9, 2021

Twitter Tip Jar - Can you Tip via #UPI?


Twitter Tip Jar - Can you Tip via #UPI?

            I was searching Twitter to see if any profile has enabled Tip Jar. Unluckily could not find Tip Jar enabled profiles.

            Please let me know any Twitter profiles that have Tip Jar enabled. This will enable me to try out a micro-donation.

            Twitter’s Tip Jar is a feature for Tweet senders to receive tips from anyone seeing their tweet in English language. In the near future, Tip Jar feature will be enabled for other languages too.  

            Eligible Twitter account holders can add Tip Jar to their profile and accept tips. In the initial phase, eligible twitters are creators, journalists, experts and non-profits. The list will be expanded as days go by.

            The preferred payment services are: Bandcamp, Cash App, Patreon, PayPal and Venmo. Twitter takes no cut.

On Android, tips can also be sent within Spaces. Spaces is the new way to listen to live audio conversations on Twitter. The creator of a Space i.e Host can also receive Tips via Tip Jar, if his/her profile is eligible for the same. As ‘spaces’, are more direct than tweets, the chances of Tips after completion of a ‘space’, are high.

Cash App - Cash App is a mobile payment service developed by Square, Inc. that allows users to transfer money to one another using a mobile phone app. The service is available in the US and the UK. As Cash App is still not available in India, tips cannot be done via #UPI


Patreon - Patreon is an American membership platform that provides business tools for content creators to run a subscription service. It helps creators and artists earn a monthly income by providing rewards and perks to their subscribers. As Patreon is not yet available in India, tips cannot be done via #UPI

PayPal – As per an article dt. 21 Dec, 2021, PayPal's Xoom adds UPI payments enabling NRIs and PIOs to remit money to India in real-time article. But, will this work in Twitter Tip Jar has to be seen in action.

Venmo - Venmo is a mobile payment service owned by PayPal. Venmo account holders can transfer funds to others via a mobile phone app; both the sender and receiver have to live in the U.S.. so #UPI is out of the question


Additional Reading: -


Disclaimer: These are my personal views only. The bottom line is Mission #LessCashNotCashLess. Nothing more-Nothing less



Monday, May 3, 2021

Thailand’s PromptPay and Singapore’s PayNow join hands for World’s First Linkage of Real-time Payment Systems


Thailand’s PromptPay and Singapore’s PayNow join hands for World’s First Linkage of Real-time Payment Systems

Singapore’s PayNow system that lets individuals transfer money using just a mobile number is now linked to Thailand's PromptPay version.

The linkage between the two countries' national fast payment systems is the first of its kind in the world.

The Monetary Authority of Singapore and Bank of Thailand have linked their country’s retail real-time payment systems, saying this would sharply cut transaction times.

No other central banks around the world have connected their retail instant payment networks.

Both systems have been designed by Vocalink, now a subsidiary of MasterCard.

In a joint statement on today April 29, 2021, the central banks said Thailand’s PromptPay system had been connected to Singapore’s PayNow network.

The cooperation between MAS and BOT goes back to 2006, when the MOU was signed by Mr Heng Swee Keat, Managing Director, MAS, and M.R. Pridiyathorn Devakula, Governor, BOT, in Singapore in May 2006.


Customers of participating banks in Singapore and Thailand will be able to transfer funds of up to S$1,000 or THB25,000 (S$1,060) daily across the two countries, using just a mobile number.

There will be no need to populate information fields such as the recipient’s full name and bank account details, as with normal remittance solutions.

The funds will flow seamlessly and securely between customers’ accounts in Singapore and Thailand and vice-versa.

The experience will be similar to how domestic PayNow and PromptPay transfers are made today, in which senders can use their mobile banking or payment applications to initiate fund transfers instantly and securely, at any time of the day.

As there is no change in the experience pattern for the participating bank account holders, it is expected volumes will be reasonably good from Day 1.

The transfers will be completed within a matter of minutes, representing a marked improvement over the average of 1-2 working days needed by most cross-border remittance solutions.

The funds transfer channel is open 24*7, 7 Days a week, 365 days a year. This means there will be no holidays for this cross-border payment channel.

Singapore is 1 hour ahead of Thailand. Eg: 2:10 pm Saturday, in Singapore is 1:10 pm Saturday, in Thailand. This means the time gap between Singapore and Thailand is very less, which is a plus point for this payment channel.


The senders will be able to see the conversion rate and the applicable fees before conformation of the payment.

The fees will be affordably priced at less than 3 per cent to 5 per cent of the value of transfer, compared with the global average of 11 per cent, and will be transparently displayed to senders.

Participating banks have confirmed that the conversion rates and fees will be transparent and reasonable.

As of now, no charges are envisaged for the fund’s recipients.

In the first phase, only P2P (Person to Person) payments are enabled. In the long run, P2M (Person to Merchant) and M2P (Merchant to Person) payments may be enabled.

The payment channel will progressively scale up the PromptPay-PayNow linkage to include more participants and extend the transfer limits to facilitate business transactions.

The new initiative was announced via a joint statement, by BoT and MAS.


Meanwhile, BoT governor Dr Sethaput Suthiwartnarueput said the service by MAS and BoT would effectively address customers' long-standing pain points in the area of cross-border transfers and remittances including long transaction times and high costs.


“Today’s PromptPay-PayNow linkage represents another key milestone in our digital payments journey.


“With the success of PromptPay, our domestic payment system, we have sought to enhance cross-border linkages with ASEAN and other countries and have launched our QR cross-border payment connectivity with Japan, Laos, Cambodia, and Vietnam,” he said.


MAS managing director Ravi Menon, meanwhile, said MAS’ shared objective with BoT is to work with their ASEAN counterparts to expand this bilateral linkage into a network of linked retail payment systems across ASEAN.


“With the rise of the digital economy, we want to empower individuals and businesses in the region with simple, swift and secure cross-border payments through just a few clicks on their mobile phones,” he said.


The first steps towards PromptPay-PayNow linkage started off in 2019 under the ASEAN Payment Connectivity plan.

The linkage ‘Go Live’, involved an extensive collaboration between the BoT and MAS, both countries’ payment system operators, bankers’ associations, and participating banks.

Participating pilot banks in Thailand: - Bangkok Bank, Kasikornbank, Krung Thai Bank, and Siam Commercial Bank.

Participating pilot banks in Singapore:- DBS Bank, OCBC, and United Overseas Bank.


Thailand’s PromptPay: - Tagline - Offering quick, convenient and secure payments with minimal or no fees!

PromptPay: Transforming Thailand to a digital economy @

PromptPay is part of a Thai government-led payments modernisation programme to support financial inclusion and the roll-out of electronic payments.

It’s operated by National ITMX Ltd, a national payments service provider in Thailand, which engaged Vocalink to deliver the solution in 2015.

CASE STUDY of PromptPay - Transforming Thailand towards a digital economy @




 Singapore’s PayNow: - Tagline - Easily make payments to anyone with PayNow

PayNow is a peer-to-peer funds transfer service available to retail customers of nine participating banks and three participating Non-Financial Institutions (NFIs) – Bank of China, Citibank Singapore, DBS / POSB Bank, HSBC, Industrial and Commercial Bank of China Limited, Maybank, OCBC Bank, Standard Chartered Bank, UOB, GrabPay, LiquidPay and Singtel Dash.


PayNow offers an enhanced funds transfer experience that enables retail customers of the nine participating banks and three participating NFIs to send and receive Singapore Dollar funds from one bank or e-wallet account to another in Singapore through FAST by using just their mobile number, Singapore NRIC/FIN, or Virtual Payment Address (VPA), instantly.


The sender no longer needs to know the recipient’s bank/e-wallet provider and account number when transferring money via PayNow.


PayNow, which launched on 10 July 2017 for participating banks and on 8 February 2021 for participating NFIs, is provided free to retail customers and is available 24/7, 365days.


ASEAN: Tagline – One Vision, One Identity, One Community

The Association of Southeast Asian Nations, or ASEAN, was established on 8 August 1967 in Bangkok, Thailand, with the signing of the ASEAN Declaration (Bangkok Declaration) by the Founding Fathers of ASEAN, namely Indonesia, Malaysia, Philippines, Singapore and Thailand.

Brunei Darussalam joined on 7 January 1984, Viet Nam on 28 July 1995, Lao PDR and Myanmar on 23 July 1997, and Cambodia on 30 April 1999, making up what is today the ten Member States of ASEAN.

Disclaimer: These are my personal views only. The bottom line is Mission #LessCashNotCashLess. Nothing more-Nothing less

Copyright of the Logos rest with the original logo holder only.

Additional reading material:

JOINT BOT-MAS MEDIA RELEASE - Thailand and Singapore Launch World’s First Linkage of Real-time Payment Systems

Singapore and Thailand Launch World's First Linkage of Real-time Payment Systems

Infographic about the process flow

  Singapore PayNow links up with Thailand's PromptPay in a world-first for cross-border fast payments





Wednesday, April 28, 2021 Please accept #UPI as a donation payment mode Please accept #UPI as a donation payment mode

 has two major types of donations. One is a generic donation towards itself, and the other is a donation to promote a specific petition. These are also known as ‘Promoted Petitions’.

The full FAQs of  ‘Promoted Petitions’ can be read @ has tied up with ‘Stripe’, to process the donations. In India, respective petition supporters can only donate via a Credit Card. There is no other donation mode.

Yes, #UPI is not a donation payment mode. This is very much surprising. UPI is very, very popular in India, and should accept petition specific donations through UPI too.

At the same time, Change.Org accepts generic donations via UPI. Razorpay is the payment processor for generic donations.

This means it should not be difficult for Change.Org to incorporate UPI as a donation mode for ‘Promoted Petitions’ too.


Disclaimer: These are my personal views only. The bottom line is Mission #LessCashNotCashLess

Additional reading material - Need even more people to see your petition?


Saturday, April 24, 2021

Data Localisation – RBI cracks the whip on AmEx and Diners Club

The Reserve Bank of India (RBI) informed to the public at large that, by order dated April 23, 2021, it has imposed restrictions on American Express Banking Corp. and Diners Club International Ltd. from on-boarding new domestic customers onto their card networks from May 1, 2021.

This action was necessary as these entities have been found non-compliant with the RBI directions on Storage of Payment System Data.

Reserve Bank of India has clarified that the order will not impact existing customers. The order only restricts onboarding new customers

American Express Banking Corp. and Diners Club International Ltd. are Payment System Operators authorized to operate Card Networks in the country under the Payment and Settlement Systems Act, 2007 (PSS Act).

The following are the present AmEx Card Variants, available in India:

·        American Express Platinum Card

·        American Express Smart Earn

·        American Express Membership Rewards

·        American Express Platinum Reserve

·        American Express Gold Card

·        American Express Platinum Card

·        Jet Airways American Express Platinum

AmEx card volumes for the last few months are us under: -


Diners Club operates as a co-branded card with HDFC Bank hence independent card statistics are not in public domain

The following are Diner Club Card Variants, available in India :

·        Diners Club Black

·        Diners Club Privilege

·        Diners ClubMiles

·        Diners Club Premium

·        Diners Club Rewardz


Each card variant has different privileges.





For businessman Frank McNamara, forgetting his wallet while dining out at a New York City restaurant was an embarrassment he resolved never to face again. Luckily, his wife bailed him out and paid the tab.

A year later in February 1950, he returned to Major’s Cabin Grill with his partner Ralph Schneider. When the bill arrived, McNamara paid with a small cardboard card, known today as a Diners Club Card. The event was hailed as the First Supper, paving the way for the world’s first multipurpose charge card.


Background for RBI Press Release dt 23rd April, 2021.

RBI takes supervisory action on Card Networks – American Express Banking Corp. and Diners Club International Ltd


In terms of RBI circular on Storage of Payment System Data dated April 6, 2018, all Payment System Providers were directed to ensure that within a period of six months the entire data (full end-to-end transaction details / information collected / carried / processed as part of the message / payment instruction) relating to payment systems operated by them is stored in a system only in India.


They were also required to report compliance to RBI and submit a Board-approved System Audit Report (SAR) conducted by a CERT-In empanelled auditor within the timelines specified therein.


Disclaimer: These are my personal views only. The bottom line is Mission #LessCashNotCashLess

Good to read: -

Our card members come from all walks of life: Manoj Adlakha, American Express




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The thoughts in this BLOG are personal, and reflect only my view on the subject.
This are not the views of my Employers.
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All efforts have been made to make this information as accurate as possible, N Prashant will not be responsible for any loss to any person caused by inaccuracy in the information available on this Website. Relevent Official Gazettes Communications may be consulted for an accurate information. Any discrepancy found may be brought to the notice of N Prashant