Payment Gateways in Nepal

Nepal’s digital payment ecosystem has grown significantly, providing businesses and consumers with various options for secure online transactions. Here are some of the most notable payment gateways operating in the country:

1. eSewa
   Nepal's first online payment gateway, eSewa is a comprehensive solution for digital payments. It offers services such as bill payments, mobile recharges, and ticket bookings. With widespread acceptance, eSewa is a go-to platform for both consumers and merchants.
   Features: Real-time transactions, bill payments, and eCommerce integration.
   Payment Methods: Mobile wallets, bank transfers, and direct bank payments.

2. Khalti
   Khalti is a leading digital wallet and payment gateway in Nepal, owned by Sparrow Pay Pvt. Ltd. It offers a user-friendly interface for a range of online services, including utility bill payments, mobile recharges, and more.
   Features: Merchant dashboard for managing transactions, easy integration with websites, and mobile app support.
   Payment Methods: Mobile wallets, bank transfers, QR code payments, and card payments.

3. IME Pay
   IME Pay, part of the IME Group, is widely known for its remittance services and mobile payments. It offers solutions for both businesses and consumers, including utility bill payments and mobile top-ups.
   Features: Easy remittance, QR code-based transactions, and online shopping payments.
   Payment Methods: Wallet-to-wallet transfers, bank transfers, and QR code payments.

4. Fonepay
   Fonepay, licensed by the Nepal Rastra Bank, operates as an interoperable payment network that links banks, financial institutions, and merchants. It’s particularly popular for its QR code-based payments.
   Features: QR code payments, person-to-person (P2P) and person-to-merchant (P2M) transactions, and mobile app integration.
   Payment Methods: Mobile wallets, bank transfers, and QR payments.

5. ConnectIPS
   A joint venture between Nabil Bank and Himalayan Bank, ConnectIPS provides a secure and reliable platform for online payments, enabling real-time transfers directly from bank accounts.
   Features: Integration with eCommerce platforms, government payments, and real-time bank account transfers.
   Payment Methods: Direct transfers from over 60 banks and financial institutions.

6. QPay
   Known for its simplicity, QPay offers mobile payment services with a focus on QR code-based transactions and bill payments. It integrates well with eCommerce platforms for seamless online payments.
   Features: Easy QR code payments, mobile wallet, and integration with online businesses.
   Payment Methods: Wallet-to-wallet transfers, bank account transfers, and QR payments.

7. PrabhuPAY
   Offered by Prabhu Bank, PrabhuPAY is a digital wallet that supports online payments, mobile top-ups, and QR code-based merchant payments. It is user-friendly and facilitates quick transactions.
   Features: Bill payments, ticket bookings, remittance, and a mobile app for on-the-go payments.
   Payment Methods: Mobile wallets, QR code payments, and bank transfers.

8. CellPay
   CellPay provides both wallet services and bank link facilities through its app. It offers a wide merchant network and enables customers to make payments via QR codes linked to their bank accounts or wallet balances.
   Features: QR code payments, mobile wallet, and integration with bank accounts.
   Payment Methods: Bank transfers and QR code payments.

9. NIC ASIA CyberSource
   This payment gateway is a part of NIC ASIA Bank, offering robust online payment processing, including Visa and MasterCard transactions. It is designed for handling high transaction volumes and includes features like fraud management and multi-currency support.
   Features: High transaction volume capacity, fraud management tools, and multi-currency support.
   Payment Methods: Visa and MasterCard payments.

10. Namaste Pay
    Promoted by Nepal Telecom and Rastriya Banijya Bank, Namaste Pay provides comprehensive digital payment solutions across sectors, including cash-in and cash-out services nationwide.
    Features: Mobile wallet, nationwide reach, and cash-in/out services.
    Payment Methods: Wallet-to-bank transfers and direct mobile payments.

Conclusion

The payment gateways in Nepal offer a wide variety of features catering to different consumer and business needs. Whether you require QR-based transactions, remittances, or seamless eCommerce integration, platforms like eSewa, Khalti, IME Pay, and Fonepay provide robust solutions. As digital adoption increases, these payment gateways will play an essential role in shaping Nepal's financial landscape.