Again, I am not so sure if I agree with all your points here. >>Cash on Delivery has a lot of issues. I won't elaborate but, customers refuse the sale later on

Again, I am not so sure if I agree with all your points here. >>Cash on Delivery has a lot of issues. I won't elaborate but, customers refuse the sale later on (impulse buy regrets), delayed booking of revenue, costs around collecting and cash reconciliation. So do other modes of payments. There will always be customers who will want to get a refund. As I said am not entirely sure what the best solution is for non-physical transactions. >>Indian Businesses and consumers don't pay for Technology Products. This a blanket statement. Maybe the types of businesses we interact with are very different. From my experience a lot of them are ready to pay well if they see the benefits. >>If they want to pay, they don't have mechanisms to pay you online. Umm, this is false. There are lots of ways to pay online. IRCTC does this on a decent scale. All that being said, I agree it can be hard doing business but I don't believe it is any harder than doing it anywhere else. Every market has its set of advantages and disadvantages, but one needs to focus on what can be done instead of obsessing over what cannot be done. I looked at your site and like the idea. I am sure you must have tried this but have you tried making up deals with IT companies where you do the tax filings for all the people in the company for a bulk rate. A lot of companies do this since the guys collect the documents from the office saving the employees time and your pricing is very reasonable. Also, they are the ones who'd be more likely to understand and pay for this. Cheers