{"id":23376,"date":"2025-02-22T17:37:28","date_gmt":"2025-02-22T12:07:28","guid":{"rendered":"https:\/\/open.money\/blog\/?p=23376"},"modified":"2025-03-17T14:48:03","modified_gmt":"2025-03-17T09:18:03","slug":"open-glossary","status":"publish","type":"post","link":"https:\/\/open.money\/blog\/open-glossary\/","title":{"rendered":"OPEN Glossary: Your Guide to Financial Terms and Features"},"content":{"rendered":"

Welcome to the OPEN Glossary! Whether you’re new to financial services or just need a refresher, this guide is designed to help you navigate the world of OPEN with ease. Financial terms can often feel overwhelming, but this glossary breaks them down into simple, clear definitions so you can feel confident and informed.<\/span><\/p>\n

Purpose of this glossary<\/b><\/h3>\n

This glossary provides definitions of common terms you\u2019ll encounter while using OPEN Money. It\u2019s organized into categories for easy navigation. Each term is explained in simple, easy-to-understand language.<\/span><\/p>\n

How to use this guide<\/b><\/h3>\n

Use this glossary as a quick reference whenever you come across unfamiliar terms. The categories make it easy to find relevant terms, and each definition is written to help you understand financial concepts without jargon.<\/span><\/p>\n

Bookmark it for quick access whenever you come across unfamiliar terms!<\/span><\/p>\n

Payment Processing Terms<\/b><\/h2>\n

 <\/p>\n

Basic Payment Concepts<\/b><\/h3>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Account Number<\/span><\/td>\nA unique identification number assigned to a bank account, used to identify the account holder’s specific account in the bank\u2019s system.<\/span><\/td>\n<\/tr>\n
Acquirer Bank<\/span><\/a><\/td>\nThe bank or financial institution that processes card payments on behalf of a merchant. It receives transaction requests from the payment gateway, forwards them to the card network, and settles the funds into the merchant\u2019s account. Also known as the \u2018merchant\u2019s bank\u2019.<\/span><\/td>\n<\/tr>\n
Authorization<\/span><\/td>\nThe process of verifying a transaction\u2019s validity before payment is completed.<\/span><\/td>\n<\/tr>\n
Chargeback<\/span><\/td>\nA dispute raised by the customer to reverse a payment.<\/span><\/td>\n<\/tr>\n
Dispute Resolution<\/span><\/td>\nThe process of resolving payment disputes between customers and merchants.<\/span><\/td>\n<\/tr>\n
IFSC (Indian Financial System Code)<\/span><\/a><\/td>\nA code used to uniquely identify a bank branch for the purpose of electronic fund transfers in India. It is an alphanumeric code that consists of 11 characters, where the first four represent the bank, the fifth is a zero (0), and the last six identify the specific branch.<\/span><\/td>\n<\/tr>\n
Issuer Bank<\/span><\/a><\/td>\nThe bank that issues a debit or credit card to the customer. It verifies the transaction, approves or declines the payment based on available funds or credit limit, and processes the deduction from the customer’s account. Also known as the \u2018customer\u2019s bank\u2019.<\/span><\/td>\n<\/tr>\n
Merchant Discount Rate (MDR)<\/span><\/td>\nThe transaction fee charged by payment service providers or banks for processing payments.<\/span><\/td>\n<\/tr>\n
Payment Aggregator (PA)<\/span><\/td>\nA service provider that enables merchants to accept payments without a direct bank integration.<\/span><\/td>\n<\/tr>\n
Payment Gateway (PG)<\/span><\/a><\/td>\nA platform that processes online payments from customers to merchants.<\/span><\/td>\n<\/tr>\n
Payment Link<\/span><\/a><\/td>\nA link shared with customers to collect payments online.<\/span><\/td>\n<\/tr>\n
Payment Reconciliation<\/span><\/a><\/td>\nThe process of matching payments received with invoices or transaction records to ensure accuracy and detect discrepancies.<\/span><\/td>\n<\/tr>\n
Payment Status<\/span><\/td>\nThe current state of a payment, e.g., success, failed, or pending.<\/span><\/td>\n<\/tr>\n
Refund<\/span><\/td>\nReturning the payment to a customer\u2019s account.<\/span><\/td>\n<\/tr>\n
Settlement<\/span><\/td>\nTransferring funds from a payment gateway to the merchant\u2019s bank account.<\/span><\/td>\n<\/tr>\n
Transaction Fee<\/span><\/a><\/td>\nA charge applied to a payment transaction, usually a percentage of the transaction amount or a fixed fee. It covers the cost of processing the payment and is often shared among various parties, including banks, payment gateways, and payment aggregators.<\/span><\/td>\n<\/tr>\n
Transaction ID<\/span><\/td>\nA unique identifier assigned to every payment transaction.<\/span><\/td>\n<\/tr>\n
UTR (Unique Transaction Reference)<\/span><\/a><\/td>\nA reference number generated for every financial transaction conducted in India through the Real Time Gross Settlement (RTGS) or National Electronic Funds Transfer (NEFT) system. It helps track the transaction and ensures that payments can be identified and traced easily.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

Payment Methods<\/b><\/h3>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
BNPL (Buy Now, Pay Later)<\/span><\/a><\/td>\nA short-term credit option where customers can make a purchase and defer payment, usually without interest if paid within a specified period.<\/span><\/td>\n<\/tr>\n
Credit Card<\/span><\/td>\nA card that allows users to borrow funds to make payments.<\/span><\/td>\n<\/tr>\n
Debit Card<\/span><\/td>\nA card linked to a bank account for direct payments.<\/span><\/td>\n<\/tr>\n
EMI Options (Equated Monthly Installments)<\/span><\/td>\nA payment method that allows customers to pay for purchases in fixed monthly installments instead of a lump sum.<\/span><\/td>\n<\/tr>\n
IMPS (Immediate Payment Service)<\/span><\/a><\/td>\nA real-time electronic funds interbank transfer system in India that allows instant money transfers 24\/7, including weekends and holidays. <\/span>
\n<\/span>
\n<\/span>Cost: \u20b90\u201325 per transaction, depending on the bank and transfer amount. Many banks offer free IMPS for online transactions.<\/span><\/td>\n<\/tr>\n
NEFT (National Electronic Funds Transfer)<\/span><\/a><\/td>\nA bank transfer system in India that allows electronic fund transfers in batches, typically settled within a few hours. <\/span>
\n<\/span>
\n<\/span>Cost: \u20b90\u201325 per transaction, depending on the amount and bank. Many banks offer free NEFT for online transfers.<\/span><\/td>\n<\/tr>\n
Net Banking<\/span><\/td>\nOnline banking services for transferring money or paying bills.<\/span><\/td>\n<\/tr>\n
Prepaid Cards<\/span><\/a><\/td>\nPayment cards that are preloaded with a specific amount of money and can be used for purchases or withdrawals until the balance is exhausted.<\/span><\/td>\n<\/tr>\n
RTGS (Real-Time Gross Settlement)<\/span><\/a><\/td>\nA payment system for high-value transfers where funds are settled instantly and individually without batching. <\/span>
\n<\/span>
\n<\/span>Cost: \u20b90\u201350 per transaction, depending on the amount and bank. Usually free for online transactions.<\/span><\/td>\n<\/tr>\n
SWIFT (Society for Worldwide Interbank Financial Telecommunication)<\/span><\/a><\/td>\nA global network that enables secure international money transfers between banks using standardized codes. <\/span>
\n<\/span>
\n<\/span>Cost: Varies based on the bank, currency, and transfer amount; typically \u20b9500\u20132,500 per transaction, plus currency conversion charges.<\/span><\/td>\n<\/tr>\n
SWIFT Code<\/span><\/td>\nA SWIFT Code is a unique identifier assigned to banks for international transactions. It ensures secure and accurate routing of funds across countries.\u00a0<\/span><\/td>\n<\/tr>\n
UPI (Unified Payments Interface)<\/span><\/a><\/td>\nA real-time payment system that allows instant money transfers via mobile devices.<\/span><\/td>\n<\/tr>\n
Virtual Cards<\/span><\/a><\/td>\nDigital payment cards that function like physical cards but exist only online. They provide enhanced security by allowing one-time or limited-use transactions.<\/span><\/td>\n<\/tr>\n
Wallets (e.g., Paytm, Amazon Pay)<\/span><\/td>\nDigital prepaid platforms like Paytm or Amazon Pay used for making payments.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

Accounting & Bookkeeping<\/b><\/h2>\n

 <\/p>\n

General Accounting<\/b><\/h3>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Accounts Payable Aging<\/span><\/td>\nA report that shows how much a business owes to its vendors, categorized by the due dates. It helps track overdue payments and manage cash flow effectively.<\/span><\/td>\n<\/tr>\n
Accounts Receivable Aging<\/span><\/td>\nA report that lists outstanding customer invoices, grouped by how long they\u2019ve been unpaid. It helps identify late payments and manage collections efficiently.<\/span><\/td>\n<\/tr>\n
Accrual Accounting<\/span><\/td>\nRecording revenue and expenses when they occur, not when money is exchanged.<\/span><\/td>\n<\/tr>\n
Audit Trail<\/span><\/td>\nA record that shows the history of financial transactions.<\/span><\/td>\n<\/tr>\n
Bad Debt<\/span><\/td>\nMoney owed to a business that is unlikely to be collected, often due to customer bankruptcy or prolonged non-payment. It\u2019s recorded as a loss in accounting.<\/span><\/td>\n<\/tr>\n
Balance Sheet<\/span><\/td>\nA financial statement showing assets, liabilities, and equity.<\/span><\/td>\n<\/tr>\n
Cash Basis Accounting<\/span><\/td>\nAn accounting method where income and expenses are recorded only when cash is received or paid, not when they are incurred.<\/span><\/td>\n<\/tr>\n
Chart of Accounts<\/span><\/td>\nA list of accounts used for organizing financial records.<\/span><\/td>\n<\/tr>\n
Fixed Assets<\/span><\/td>\nLong-term tangible assets like buildings, machinery, or equipment that a business uses for operations and isn\u2019t expected to sell quickly.<\/span><\/td>\n<\/tr>\n
Journal Entry<\/span><\/td>\nA record of a financial transaction in the accounting books.<\/span><\/td>\n<\/tr>\n
Ledger<\/span><\/td>\nA book or digital record where all transactions are grouped by accounts.<\/span><\/td>\n<\/tr>\n
Profit & Loss Statement (P&L)<\/span><\/td>\nA financial report that summarizes a company\u2019s revenues, expenses, and profits or losses over a specific period, showing how the business is performing financially.<\/span><\/td>\n<\/tr>\n
Trial Balance<\/span><\/td>\nA summary of all ledger balances to check for errors.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

Transaction-Related Terms<\/b><\/h3>\n\n\n\n\n\n\n\n\n\n
Bank Statement<\/span><\/td>\nA record of all transactions in a bank account.<\/span><\/td>\n<\/tr>\n
Credit Note<\/span><\/td>\nA document issued to reduce the value of an invoice.<\/span><\/td>\n<\/tr>\n
Debit Note<\/span><\/td>\nA document issued to increase the value of an invoice.<\/span><\/td>\n<\/tr>\n
GST TDS<\/span><\/td>\nA mechanism under GST where the buyer deducts tax at the time of payment to the supplier and remits it to the government.<\/span><\/td>\n<\/tr>\n
Payables<\/span><\/a><\/td>\nMoney a business owes to its vendors or suppliers.<\/span><\/td>\n<\/tr>\n
Receivables<\/span><\/a><\/td>\nMoney owed to a business by its customers.<\/span><\/td>\n<\/tr>\n
Reconciliation<\/span><\/td>\nMatching financial records with bank statements to ensure accuracy.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

GST, Taxes & Compliance<\/b><\/h2>\n

 <\/p>\n

Basic GST Concepts<\/b><\/h3>\n\n\n\n\n\n\n\n\n\n\n\n\n\n
Composition Scheme<\/span><\/td>\nA simplified tax scheme for small businesses.<\/span><\/td>\n<\/tr>\n
GST Registration<\/span><\/td>\nThe process of registering a business under GST.<\/span><\/td>\n<\/tr>\n
GST Return Filing<\/span><\/td>\nSubmitting GST-related details to the government.<\/span><\/td>\n<\/tr>\n
GSTIN<\/span><\/a><\/td>\nA unique ID for businesses registered under GST.<\/span><\/td>\n<\/tr>\n
GSTN (Goods and Services Tax Network)<\/span><\/td>\nThe digital platform managing GST operations.<\/span><\/td>\n<\/tr>\n
HSN\/SAC Codes<\/span><\/a><\/td>\nCodes used to classify goods and services under GST.<\/span><\/td>\n<\/tr>\n
State Codes<\/span><\/a><\/td>\nUnique two-digit codes assigned to each Indian state and union territory under GST for identification in GSTIN numbers and tax filings.<\/span><\/td>\n<\/tr>\n
Input Tax Credit (ITC)<\/span><\/td>\nTax credit for the GST paid on purchases, which can be adjusted against GST payable on sales.<\/span><\/td>\n<\/tr>\n
Output Tax<\/span><\/td>\nGST collected on sales of goods or services.<\/span><\/td>\n<\/tr>\n
Reverse Charge Mechanism<\/span><\/td>\nWhen the recipient of goods or services pays GST instead of the supplier.<\/span><\/td>\n<\/tr>\n
Zero Rated Supply<\/span><\/td>\nGoods or services taxed at 0% under GST.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

GST Documents<\/b><\/h3>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
e-Invoice<\/span><\/a><\/td>\nA digitally authenticated invoice generated through the Invoice Registration Portal (IRP), mandated for certain businesses under GST.<\/span><\/td>\n<\/tr>\n
E-Way Bill<\/span><\/a><\/td>\nA document required for transporting goods worth over a certain amount.<\/span><\/td>\n<\/tr>\n
GSTR-1<\/span><\/a><\/td>\nThe monthly or quarterly return for reporting outward supplies of goods and services made by a business. It includes details of sales, invoices, and taxes collected.<\/span><\/td>\n<\/tr>\n
GSTR-10<\/span><\/td>\nA final return filed by a taxpayer who has canceled their GST registration, providing details of closing stock and liabilities.<\/span><\/td>\n<\/tr>\n
GSTR-11<\/span><\/td>\nFiled by individuals or entities who have a Unique Identification Number (UIN) for claiming a refund of the GST paid on purchases.<\/span><\/td>\n<\/tr>\n
GSTR-2A<\/span><\/td>\nA dynamic document that automatically reflects the details of inward supplies (purchases) from the GSTR-1 of the suppliers. It helps in verifying the input tax credit (ITC).<\/span><\/td>\n<\/tr>\n
GSTR-2B<\/span><\/td>\nA static version of GSTR-2A, providing a summary of eligible ITC that businesses can claim for a particular month.<\/span><\/td>\n<\/tr>\n
GSTR-3B<\/span><\/a><\/td>\nA self-assessment return where businesses summarize their total sales, purchases, and GST payable. This return is filed monthly or quarterly.<\/span><\/td>\n<\/tr>\n
GSTR-4<\/span><\/td>\nThe return for taxpayers under the composition scheme, detailing the outward supplies and tax liability for the quarter.<\/span><\/td>\n<\/tr>\n
GSTR-5<\/span><\/td>\nThe return for non-resident foreign taxable persons, reporting their sales and purchases in India.<\/span><\/td>\n<\/tr>\n
GSTR-6<\/span><\/td>\nFiled by input service distributors (ISD), detailing the distribution of credit to their branches or units.<\/span><\/td>\n<\/tr>\n
GSTR-7<\/span><\/td>\nFiled by taxpayers who are required to deduct tax at source (TDS) under GST, reporting the TDS deductions made.<\/span><\/td>\n<\/tr>\n
GSTR-8<\/span><\/td>\nFiled by e-commerce operators who are required to collect tax at source (TCS), reporting the amount of tax collected.<\/span><\/td>\n<\/tr>\n
GSTR-9<\/span><\/td>\nThe annual return for regular taxpayers, summarizing the details of monthly\/quarterly returns filed during the year.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

Tax-Related Terms<\/b><\/h3>\n\n\n\n\n\n\n\n\n\n\n\n
Advance Tax<\/span><\/td>\nTax paid in advance before the end of the financial year.<\/span><\/td>\n<\/tr>\n
Form 15CA\/15CB<\/span><\/td>\nForms for remitting payments outside India.<\/span><\/td>\n<\/tr>\n
Form 16\/16A<\/span><\/td>\nTDS certificates issued by employers or payers.<\/span><\/td>\n<\/tr>\n
Form 26AS<\/span><\/td>\nA consolidated tax statement showing all TDS and TCS.<\/span><\/td>\n<\/tr>\n
PAN (Permanent Account Number)<\/span><\/td>\nA unique ID for taxpayers in India.<\/span><\/td>\n<\/tr>\n
ePAN<\/span><\/a><\/td>\nAn electronically issued PAN card, available in digital format for quick and paperless identity verification.<\/span><\/td>\n<\/tr>\n
Self-Assessment Tax<\/span><\/td>\nTax paid after accounting for advance tax and TDS.<\/span><\/td>\n<\/tr>\n
TCS (Tax Collected at Source)<\/span><\/td>\nA tax collected by the seller from the buyer.<\/span><\/td>\n<\/tr>\n
TDS (Tax Deducted at Source)<\/span><\/td>\nA tax deducted by the payer and deposited to the government.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

Invoicing & Billing<\/b><\/h2>\n

 <\/p>\n

Invoice Components<\/b><\/h3>\n\n\n\n\n\n\n\n\n\n
Due Date<\/span><\/td>\nThe date by which payment is expected.<\/span><\/td>\n<\/tr>\n
Invoice Number<\/span><\/td>\nA unique identifier for each invoice.<\/span><\/td>\n<\/tr>\n
IRN (Invoice Reference Number)<\/span><\/td>\nA unique number for GST invoices.<\/span><\/td>\n<\/tr>\n
Line Items<\/span><\/td>\nDetails of individual products or services in an invoice.<\/span><\/td>\n<\/tr>\n
Payment Terms<\/span><\/td>\nThe conditions under which payment for goods or services is made, including timing, method, and any discounts or penalties for early or late payments.<\/span><\/td>\n<\/tr>\n
Place of Supply<\/span><\/td>\nThe location where goods or services are supplied.<\/span><\/td>\n<\/tr>\n
Tax Components<\/span><\/td>\nGST or other applicable taxes in an invoice.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

Types of Invoices<\/b><\/h3>\n\n\n\n\n\n\n\n\n\n
Bill of Supply<\/span><\/td>\nIssued for exempt goods or services and by composition scheme taxpayers, without GST details.<\/span><\/td>\n<\/tr>\n
Credit Note<\/span><\/td>\nIssued when the taxable value or GST charged is higher than necessary or when goods are returned.<\/span><\/td>\n<\/tr>\n
Debit Note<\/span><\/td>\nIssued when the taxable value or GST charged in an invoice is lower than what should have been charged.<\/span><\/td>\n<\/tr>\n
Delivery Challan<\/span><\/td>\nUsed for transporting goods without an actual sale, such as job work or sample dispatch.<\/span><\/td>\n<\/tr>\n
Proforma Invoice<\/span><\/td>\nA preliminary invoice sent before supplying goods or services, often for estimation or approval.<\/span><\/td>\n<\/tr>\n
Recurring Invoice<\/span><\/td>\nAutomatically generated invoices for regular payments.<\/span><\/td>\n<\/tr>\n
Tax Invoice<\/span><\/td>\nAn invoice issued for taxable goods or services, including GST details, allowing buyers to claim Input Tax Credit (ITC).<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

Cash Flow Management<\/b><\/h2>\n

 <\/p>\n

Cash Flow Terms<\/b><\/h3>\n\n\n\n\n\n\n\n\n
Aging Reports<\/span><\/td>\nReports showing overdue outgoing & incoming payments.<\/span><\/td>\n<\/tr>\n
Cash Inflow<\/span><\/a><\/td>\nMoney coming into the business.<\/span><\/td>\n<\/tr>\n
Cash Outflow<\/span><\/a><\/td>\nMoney going out of the business.<\/span><\/td>\n<\/tr>\n
Float Time<\/span><\/td>\nThe time between issuing a payment and when it is cleared.<\/span><\/td>\n<\/tr>\n
Overdraft Facility<\/span><\/td>\nA short-term credit facility from a bank.<\/span><\/td>\n<\/tr>\n
Working Capital<\/span><\/td>\nFunds available for day-to-day operations.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

Financial Metrics<\/b><\/h3>\n\n\n\n\n\n\n\n\n\n\n
Cash Burn Rate<\/span><\/td>\nThe rate at which a business spends cash.<\/span><\/td>\n<\/tr>\n
Cash Conversion Cycle<\/span><\/td>\nThe time taken to convert investments into cash flow.<\/span><\/td>\n<\/tr>\n
DPO (Days Payable Outstanding)<\/span><\/td>\nThe average time a business takes to pay its vendors.<\/span><\/td>\n<\/tr>\n
DSO (Days Sales Outstanding)<\/span><\/a><\/td>\nThe average time customers take to pay invoices.<\/span><\/td>\n<\/tr>\n
Gross Profit Margin<\/span><\/a><\/td>\nThe percentage of revenue remaining after direct costs.<\/span><\/td>\n<\/tr>\n
Liquidity Ratio<\/span><\/td>\nA measure of a company\u2019s ability to meet short-term obligations.<\/span><\/td>\n<\/tr>\n
Net Profit Margin<\/span><\/a><\/td>\nThe percentage of revenue left after expenses.<\/span><\/td>\n<\/tr>\n
Operating Cash Flow<\/span><\/td>\nThe cash generated from regular business activities.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

<\/h2>\n

Endnote<\/b><\/h2>\n

Understanding financial terminology is crucial for navigating today’s business landscape. Whether you’re a seasoned entrepreneur or just starting your business journey, having a solid grasp of these terms helps you make informed decisions and communicate effectively with financial institutions, partners, and regulatory bodies.<\/span><\/p>\n

This glossary serves as your ongoing reference guide \u2013 bookmark it and return whenever you need clarity on a financial term or concept. Remember that financial literacy is an evolving journey, and staying updated with these terms is key to managing your business finances effectively.<\/span><\/p>\n

While this glossary covers extensive ground, finance and technology continue to evolve. We regularly update this resource to include new terms and concepts as they emerge in the financial landscape. If you encounter terms not covered here or need further clarification, feel free to reach out to our support team.<\/span><\/p>\n

\ud83d\udccc Keep this guide handy as you navigate your financial journey, and remember: good financial management starts with understanding the basics.<\/span><\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"Welcome to the OPEN Glossary! Whether you’re new to financial services or just need a refresher, this guide…","protected":false},"author":54,"featured_media":23377,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","footnotes":""},"categories":[1],"tags":[597,589,609,603,590,605,606,601,253,593,600,602,594,588,610,607,242,546,592,566,611,599,604,596,214,595,591,567,255,598,608,131],"class_list":{"0":"post-23376","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-announcements","8":"tag-accounting-basics","9":"tag-accounting-terms","10":"tag-bank-reconciliation","11":"tag-banking-basics","12":"tag-banking-terms","13":"tag-bookkeeping-terms","14":"tag-business-accounting","15":"tag-business-metrics","16":"tag-business-payments","17":"tag-business-terminology","18":"tag-cash-flow-terms","19":"tag-financial-calculations","20":"tag-financial-dictionary","21":"tag-financial-glossary","22":"tag-financial-metrics","23":"tag-financial-statements","24":"tag-gst-compliance","25":"tag-gst-registration","26":"tag-gst-terms","27":"tag-imps","28":"tag-indian-banking-terms","29":"tag-invoice-types","30":"tag-merchant-services","31":"tag-neft","32":"tag-payment-gateway","33":"tag-payment-methods","34":"tag-payment-processing","35":"tag-rtgs","36":"tag-tax-compliance","37":"tag-tax-terms","38":"tag-transaction-terms","39":"tag-upi","40":"cs-entry"},"_links":{"self":[{"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/posts\/23376","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/users\/54"}],"replies":[{"embeddable":true,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/comments?post=23376"}],"version-history":[{"count":6,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/posts\/23376\/revisions"}],"predecessor-version":[{"id":23413,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/posts\/23376\/revisions\/23413"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/media\/23377"}],"wp:attachment":[{"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/media?parent=23376"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/categories?post=23376"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/open.money\/blog\/wp-json\/wp\/v2\/tags?post=23376"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}