AdSense Page Level Ads is here to monetize your site’s mobile version

Google AdSense has introduced a new type of Ads format for publishers. The new format called Page-Level Ads is still in beta and has made available for select AdSense Publishers only. The new Ads formats allow the publisher to add two new, different kinds of Ads unit primarily targeting the mobile visitors. The new ads format will appear only when someone will visit the publisher’s website on a mobile device.

Google AdSense Support Page says, “Page-level ads are a family of ad formats that offer a new and innovative way for you to monetize your content. With Page-level ads, you place the same piece of ad code once on each page that you want to show the ads. Once you’ve added the code, AdSense will automatically show Page-level ads at optimal times when they’ll perform well for you and provide a good experience for your users.”

Page-level ads, it refers to as "AdSense's next generation ads." They're designed to help publishers make money from their mobile content. To use them, you place the same code once on each page you want to show ads on, and they'll automatically show at the right time and in the right format. Google says this will potentially increase your earnings without interfering with your users' mobile experience.

The new ad formats are anchor/overlay ads and vignettes. Anchor/overlay ads are mobile ads that stick to the edge of the user’s screen Users can easily dismiss them at any time. Vignette ads are mobile full-screen ads that appear between page loads on your site. The ads are displayed on leaving a page, rather than on arrival and users can choose to skip them at any time. Publishers can use these Ad Units along with the other 3 ads per page limit. These ads will be displayed on mobile-optimized sites only.

The first version of AdSense Anchor ads also called overlays ads, the ads are anchored to the edge of the user’s screen, but they can be dismissed. Vignette ads, like interstitials, are full-screen ads. Unlike traditional interstitial ads, though, Vignettes display when a user leaves rather than arrives on a page. These ads will only show a limited number of times per user. Ads in both formats will not count toward the three-ads-per-page limit and will only serve on mobile-optimized web pages displaying on smart phones. Google says Anchor and Vignette ads are just the first of many Page-level ad formats to come.

How to enable AdSense Page Level Ads?

• Login to your AdSense account and click on My Ads > Page level ads.
• You need to enable Anchor and Vignette ads by toggling the switch given there. You can have one or both of them enabled at the same time. Once you are done, scroll down to section which says, add the code for Page-level ads to your pages.
• Unlike other AdSense ad unit, here you need to get the code and place this ad code in the tag (or at the top of the tag) of the pages where you want to show the ads. (Similar to Google Analytics code)

For more details, visit AdSense Page Level Ads blog

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Datawrkz - Advertising in the time of Digital billboards

Datawrkz, India’s fastest growing advertising technology provider, has its product Vizibl, a platform aimed at making programmatic advertising accessible to agencies and brands of all sizes. Datawrkz is headquartered in Singapore with presence in India, US, Malaysia and Indonesia. The company specializes in identifying relevant audience in real time for advertisers. Its core team of analysts is skilled in sifting through data points in the tens of billions to identify opportunities to improve results for both advertisers and publishers.

Founded by Senthil Govindan, CEO and Anand Prakash, COO, Datawrkz is focused on identifying specific audiences in real time through their analytics prowess. The company works with advertisers and agencies to help achieve their online advertising goals. Their latest product, Vizibl, is exclusively designed to cater to the mid-market advertiser segment. Eric Schmidt, Google Boss had famously predicted back in 2011 that the display advertising industry will grow to the $200 billion range. The industry is still in the process of scaling up, but given the growth curves we see, and the fact that digital ad spending has surpassed TV advertising in the US, his enthusiasm is grounded in realism. To give you a sense of how large the display advertising space has become, the global estimate for 2016 is expected to hit $74.4 billion. The digital market space is expected to be worth more than $100 billion by 2020.

Datawrkz started their technology initiative back in October 2014 when they were still very young, had limited management bandwidth, and had not yet grown to the current scale. They strongly felt, however, that a different approach to the Demand Side Platform market was needed. The other core belief that Datawrkz had is that geographical location makes no difference to the quality of work in the online advertising space. This had been proven emphatically since inception. They have clients who have provided repeat business to them while consistently adding to the pool of both advertisers and publishers who see them as a trusted partner.

Assisting advertisers and publishers navigate their way through the programmatic and advertising technology space was the main focus of Datawrkz. Along the way, they realized the issues of scale that smaller clients face in getting access to the tools that their larger counterparts can easily tap, which led to their products Vizibl and lvlUP. Vizibl is focused towards mid-sized agencies, brands and media buyers, while lvlUP is a monetization and yield management platform for publishers. As an example, their Demand Side Platform, Vizibl, allows agencies to access cutting edge AdTech (advertising technology) in a Pay-As-You-Go model.

Datawrkz strongly believes that there is a bottom of the pyramid in the advertising market that is underserved. They have established both service and technology lines of business to address this segment, and are very bullish about their expansion in areas that are not considered attractive by other players in the market. The focus on this segment of the market has helped Datawrkz hone tech and processes to scale across a large number of smaller clients. Datawrkz’s core team of analysts are skilled in shifting through data points in the tens of billions to identify opportunities to improve results for both advertisers and publishers.

For more details, visit Datawrkz website

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Pay with PayPal India - Issues and solution

When PayPal came to India to they have faced many banking related issues with the Reserve Bank of India (RBI). RBI has some set of rules which they have forced on PayPal so that they cannot operate in India like the way they operate in most of the places in the world. Due to this special set of rules PayPal is unable to provide their normal service to the Indians. RBI has rejected PayPal business approval by showing that PayPal does not hold a banking license. As per RBI and banking rules in India, an authority or institution is only allowed to hold money to them if and only if they had an Indian banking license.

You have probably seen that almost merchants around the world use PayPal as their payment gateway. The reason behind this is PayPal is free of cost and many people have working PayPal account as it is around in the market for a long time. But as ‘Pay with PayPal’ is like the easiest payment method in most of the continent around the world. After a lot of requests and hassle RBI give some terms to PayPal by saying that if they want to do business in India, they have to follow these terms and these can’t be violated by any reason. The terms were:

• PayPal can’t hold anyone’s money for more than 24 hrs.
• No one will be able to add funds in PayPal India account.
• All amount needs to be auto withdrawal after 24 hrs.
• Every Indian user needs to provide PAN in their account.
• More than $10,000 in single transaction is not allowed.
• Inter-country payments within India are not allowed.
• Only Debit/Credit cards allowed for paying through PayPal.

What about paying through PayPal?

After RBI has introduces 2 layer of authentication in India, most Indian debit and credit card has been restricted to use only through those websites which allow 2 layer of authentication, first layer is proper card information and CVV code and the second layer is 3D Secure Pin or Verified by Visa code, which has been generated by the card issuing authorities to cope up with the Government rules.

Now this is good for general Indian users who never even thought about doing International transactions and only make purchase within India using Indian sites like Flipkart, Snapdeal etc. These websites uses Indian payment gateway which allows 2 layer of authentication, but most of the International payment gateway be it PayPal or Google Wallet etc. allows normal 1 tire authentication system.

Now this is the place where the collision happens. If you try to purchase International goods from an International website using International payment gateway but provide Indian card which only authenticate payment when the payment gateway has 2 layer of authentication, you will almost become confused just to understand why your card is not working.

So, what’s the solution then?

In the banking race there are few banks who do allow International usage of their card, if you place a custom request to them. After you place the request, these banks remove the barrier of your card which is not allowing it to be used internationally.

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Indian Debit Cards, Does support PayPal and Google Wallet?

Well, there is some Indian Bank’s debit cards are working properly for online cross currency international transaction. You can check the table given below for the name of the bank and the kind of cards which are currently working for online cross currency international transaction.

Sl. No.	Bank Names	Google Wallet	PayPal
1	Indian Bank (EMV MasterCard World)	YES	YES
2	AXIS Bank (Chip Card)	YES	YES
3	ICICI Bank	YES	YES
4	HDFC Bank (Platinum Chip Debit Card)	YES	YES
5	CITI Bank	YES	YES
6	Standard Chartered Bank	YES	YES
7	Kotak Mahindra Bank (Gold Chip Debit Card)	YES	YES
8	Union Bank of India	YES	NO
9	IDBI Bank (Chip Based Intl. Debit Card)	YES	NO

Please note that because there are a number of banks in India, each one offering a lot of different types of cards, it is impossible for me to check all of them. So, if your bank is not mentioned above but it works in the claimed sites, please let me know in the Comment section below.

Some bank cards needs some special activation before it can be used for online cross currency international transaction. So, take a look at special activation procedure of some banks.

ICICI Bank

Previously cross currency transaction activation used to be done through calling the respective customer care of your state, but now ICICI Bank has made it even simpler. Now if you want to activate cross currency transaction on your VISA or MASTERCARD (VISA Preferred) debit card, you just have to sent an SMS from your bank registered mobile number as INTL to 5676766. If you do not get any conformation SMS for international usage activation after waiting for 3-4 days, please call the customer care and place a request of international usage manual activation on your card. Mention them that you have already sent this SMS but you didn’t get any activation conformation message. They will take your request and manually activate it.

ICICI Bank cards needs at least 4-5 days to successfully work in cross currency transaction after activation from the Bank. So wait for 4-5 days after you receive conformation that cross currency transaction has been activated on your card before trying to use it on any international sites.

Axis Bank

Please note that not all Axis Bank debit cards work for online international cross currency payment. Axis Bank Prime Chip Based VISA debit card has the highest accuracy rate. Beside any Axis bank chip based debit card is allowed to work for online international cross currency payment. You just have to call the customer care number and follow the IVR for the international payment activation process. Provide every detail asked from the IVR and your card will be activated for international payment. You also have to wait 4 – 5 days after activation before trying it out.

Indian Bank

Only Indian Bank EMV MasterCard World chip based debit card is working on all international sites like PayPal, Google Wallet, Skrill, Etropay, Neteller etc. This card doesn’t need any special kind of activation to use them internationally, beside it is pre international activated. As this is a PSU bank, opening new account is very low cost along with low balance maintenance. Initial account opening balance is Rs. 500/- monthly minimum balance maintenance is Rs. 250/- for savings account. While opening account they will give you a welcome kit, which contains Maestro ATM card, use it for one week and apply for EMV MasterCard World chip based debit card. You must return back your Maestro card to the branch while applying for EMV card. Maintain sufficient balance while applying for new card. It takes 10-15 days for new card to get delivered and activated. Choosing EMV Mastercard World Chip debit card might cost you Rs. 150/-extra. Hope this will help many students to avail international payment facility.

Please note Indian Bank VISA Chip Based EMV Card will not work in Play Store or any other place, only the MasterCard is working in all international sites. So, don’t take the VISA one.

Some FAQ

Here are some frequently asked questions regarding online cross currency international transaction and the cards. Hope this will help you to get your required answers easily.

What is 3D Secure Pin?

3D Secure Pin is a password which you need to create to pay online through any Indian payment gateways along with those gateways which uses 2 tier authentication processes. You can easily create your 3D Secure Pin from your bank website or from the supported payment gateways when you try to purchase for the first time.

My bank is not listed above?

Well, as I said earlier, it is not humanly possible for me to check every single bank card by my own. If your bank name is not listed above that means no user (including myself) has ever tested this card out. So the best option is to try to purchase things by using your cards in Google Wallet, PayPal and other places. If it works then please let me know in the Comment section below so that I can update the above list. If your card didn’t work, then also let me know in the comment, so other users can know about it.

Can I pay through by bank account in PayPal?

No, you can’t. PayPal India only allows paying PayPal invoice through your attached Debit/Credit cards. The attached bank accounts can only be used for withdrawing your PayPal balance.

Read more about Pay with PayPal India - Issues and solution

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Wire & ACH - Transferring money online

Wire Transfer

One of the fastest ways to send money is via wire transfer. It is a direct bank to bank transaction that allows you to move money from your account directly into the account of someone else. This is because there is an agreement set up between the banks, allowing for this transfer to take place.

When a wire transfer is made from one bank account to another, both account holders are verified. Additionally, the amount of money in each account is verified, so there are no charge backs associated with wire transfers. In general, a wire transfer is fast and secure. Since it is handled individually by the banks, and does not go through a clearinghouse first, a wire transfer can take place almost in real time.

Financial institutions often charge fees for receiving wire transfers as well. Because a little more effort has to be made when receiving, since the institution is contacted directly, many banks and credit unions will charge a fee to receive transfers. However, the fee to receive a transfer is often less than the fee to send a transfer.

Wire transfer also does not have to take place from bank account to bank account. Western Union and MoneyGram are companies that make use of wire transfer with its funds. When you go to a Western Union or MoneyGram provider, you can accomplish a cash wire transfer. You take the money to the approved Western Union or MoneyGram counter, pay the fee, and then the person on your end verifies it with the person on the receiving end. A Western Union or MoneyGram wire transfer can take as little as 10 minutes if everything goes well.

Automated Clearing House (ACH)

While it may seem similar to a wire transfer, a transaction accomplished with the help of an automated clearing house (ACH) is not the same thing. The banking system has used the ACH method for close to 40 years. These types of transactions can be quite convenient. They are the sorts of transactions that you make when you use online bill pay, and often when you use your debit card.

When you arrange for the electronic transfer of funds, all of the information is included in a batch, which is then sent to the clearing house. All of the transactions in the batch then handled by the clearing house, rather than as a direct bank to bank transaction. Additionally, banks receive their ACH transactions at once as well, processing those as a single transaction, in a batch. This simplifies the process, since each individual transaction does not need individual attention; it is all automated.

As a result, your money is not available as quickly as it often is with a wire transfer. The ACH process is more convenient, and less expensive, but it also takes a little bit longer. This is why you often have to make sure that bill payments are scheduled a little bit early. Additionally, when you deposit a check, the ACH system means that the funds from the writer’s bank will not be cleared until the batch is run. So you will not have access to all of your money until at least the next day in many cases (and sometimes longer). You need to account for this when making deposits and planning on automatic bill pay and other transactions. Otherwise, you might be subject to overdraft fees.

Note
If you have some time, sending money electronically through the ACH system can be a good choice. However, if the money needs to be transferred more quickly, you may have to pay the fee and get a wire transfer.

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How to buy on Amazon, Flipkart and Snapdeal?

Amazon

1. You can search for products by using Search Box given below
2. Click on the product you want to buy
3. Now you go to the Product Information page
4. In this page, you can set your product’s specifications. It depends upon the category of the product
5. Don’t forget to submit your PIN Code
6. Then click ‘Buy Now’ Button
7. If you are a new customer, Sign up with Amazon and proceed. Or you are an existing customer, Sign in with your Email ID and Password
8. Note that, your address is correct. Then click ‘Deliver to this Address’ Or you can enter a new address
9. Now you go to the page for select your Payment Method. Select your method and fill in the fields carefully and Continue
10. Then you can buy your selected product by clicking ‘Place your Order and Pay’

Flipkart

1. You can search for products by using Search Box given below
2. Click on the product you want to buy
3. Now you go to the Product Information page
4. Check the availability of PIN Code
5. If it is available for delivery, then you can set your product’s specifications. It depends upon the category of the product
6. If you are a new customer, Sign up with Flipkart and proceed. Or you are an existing customer, Login with your Email ID and Password
7. Then click ‘Buy Now’ Button
8. Now note that, your address is correct Or you can enter a new address and then Continue
9. Now you go to the page for select your Payment Method. Select your method and fill in the fields carefully and Pay

Snapdeal

1. You can search for products by using Search Box given below and then ‘Submit’
2. Now you go to the Snapdeal site
3. If you are a new customer, Register to Snapdeal and proceed Or you are an existing customer, Login with your Email ID and Password
4. You can using Search Box for further search to find your Products
5. Click on the image of the product, which is you want to buy, then you can set your product’s specifications. It depends upon the category of the product
6. Verify the availability of PIN Code
7. If it is available for delivery, then click ‘Buy’ Button and ‘Proceed to Pay’
8. Now note that, your address is correct Or you can enter a new address and then Continue
9. Select your Payment method and fill in the fields carefully then, click Complete Order

Note: Once place your order you can track your product by going into your respective accounts.

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How much money a publisher can earn?

As I said there is no limit, some people earn around 1000$ in a month. Others earn 100$ in a month and others less than it. Even some people earn above 10000$ in a month. This is actually depends upon how efficiently a publisher can use Ads on his/her site.

When a visitor clicks on the Ads or view Ads, publisher (website owner) is credited somewhere in between 0.01$ - 10$. A publisher will be paid in last of the next month when he completed his earning 100$ or more. That means if you have completed earning 100$ in January your check will be sent at your given address at the end of February.

If any one failed to complete earning 100$ in a month nothing to worry, it will be carried over to next month. That is if you earn 40$ in January and 60$ in February then your check will be sent at the end of March. Receiving check in US $ is open for all country. In some countries they also offer check in local currency, EFT (Electronic Fund Transfer) and Western Money Transfer. In India Google offers check in Rupees. If you want to increase AdSense earnings, firstly you should increase your site traffic. After the optimization of site traffic you are applying the first Ad unit rule.

Do you know about the importance of first Ad unit in AdSense Ads? The first Ad unit shows the most paying Ads for your site. First Ad unit means which Ad unit you have placed first in your site html code. By using channels you can easily track which Ad unit is getting maximum number of clicks. If that Ad unit which you have entered first has maximum CTR (click through rate), you need not to change it. But if other Ad unit gets maximum CTR, then remove all the Ad code. Then enter the code for that Ad unit first in your site's code. That will help you to earn a lot more than to usual.

Read here to know the primary tasks to earn through AdSense

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Primary tasks to earn through AdSense

In order to become eligible to receive payments from AdSense account, all publishers are required to enter a Personal Identification Number (PIN). AdSense will send your PIN via standard mail after your account balance reaches US $10 for the first time. PIN typically arrive within 2-4 weeks, but may take longer depend on your location.

If you have not entered a PIN within 4 months, Adsense will replace the paid advertisements on your site with unpaid Public Service Ads. If you still have not entered your PIN within 6 months, your account will be disabled and your unpaid earnings will be refunded to the appropriate advertisers.

You have to fill your payee name. Google will issue AdSense checks to this name. So be sure that your name at the bank (where you have an account) and the payee name you are providing in AdSense sign up form are same. After you completing the Sign up process AdSense team will review your website and reply you via email are your site approved or not. They usually reply within a week. If you want to make any update or change you can do it after getting approval. In approval mail you will get a tutorial how to put Ads on your site. But keep in mind one person is not allowed for more than one AdSense account.

Read more about AdSense
Go for AdSense Sign up

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