Nepal
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Best Payment Gateways You Should Choose in Nepal
When choosing payment gateway in Nepal for your business, it’s essential to compare different platforms based on their setup fees, transaction charges with features. Below is a comparison table of the top payout gateways, outlining some of key metrics to help you make an informed decision.
| Peyments gateway | Rate | Fee | Country | Currency | Website |
|---|---|---|---|---|---|
 Paykassma | 1000$ | Nepal | USD | Open |
Payment Gateway — The Definition
Payout gateways are crucial tools in the digital & in-store payout process, acting as secure intermediaries between merchants and financial institutions. They collect plus encrypt payout information from customers, ensuring that sensitive data is transmitted safely for processing and authorization. This process enables a seamless transaction experience across e-commerce platforms and physical point-of-sale systems.
Here are key functions of transaction gateways:
- Data collection & encryption. Gather and secure payment Nepal details, like credit card or digital wallet information, to prevent unauthorized access.
- Authorization process. Transmit encrypted data to the appropriate financial institutions for transaction approval or denial.
- In-store remittance support. Facilitate contactless payments at point-of-sale terminals, enhancing convenience for customers using smartphones or physical cards.
- Fraud prevention. Incorporate security checks and protocols to minimize the risk of fraudulent transactions.
- Variety of payout options. Support multiple transaction methods, providing customers with flexible choices and merchants with broader customer reach.
Remittance gateways are indispensable for merchants aiming to provide secure, efficient, and versatile deposit solutions. By ensuring a smooth transaction flow and maintaining high security standards, they enhance all shopping experience for customers while protecting businesses from financial risks.
Top Nepal Payment Gateways
From individuals to businesses, in recent years, the digital gateway of Nepal has racked significantly with various platforms offering convenience and security. With the ever-increasing trend of e-commerce, it has concurrently seen a number of remittance gateways emerge. Thus, several have been key players in this respect for seamless online payout services. While there are several varieties of payout systems available, this section shall majorly dwell on some of the best and most used gateways within Nepali State.
Paykassma
Paykassma
CellPay Digital Payment
CellPay is a gateway payment service provider licensed by Nepal Rastra Bank, offering a unique approach compared to traditional digital wallets. Unlike other platforms, CellPay allows users to make deposits directly from their bank accounts without the need to load money into a separate wallet.
| Feature | Details |
|---|---|
| Remittance options | Direct bank transfers, QR code payments |
| Registration Documents | KYC completion plus bank account linking required |
| Settlement Period | Instant (regarding users) |
| Mobile App Integration | Available on Android & iOS platforms |
| Onboarding Time | Quick regarding users upon KYC completion |
| Customer Support | Available through various channels; response times may vary |
| E-commerce Platforms Supported | Integration capabilities with various e-commerce platforms |
| Other Integrations | APIs available for different platforms |
| Dashboard | Real-time transaction management through user-friendly interface |
| Remittance optionsDirect bank transfers, QR code payments | |
| Registration DocumentsKYC completion plus bank account linking required | |
| Settlement PeriodInstant (regarding users) | |
| Mobile App IntegrationAvailable on Android & iOS platforms | |
| Onboarding TimeQuick regarding users upon KYC completion | |
| Customer SupportAvailable through various channels; response times may vary | |
| E-commerce Platforms SupportedIntegration capabilities with various e-commerce platforms | |
| Other IntegrationsAPIs available for different platforms | |
| DashboardReal-time transaction management through user-friendly interface |
Pros
- No need to maintain a digital wallet
- Direct payments from bank accounts
- Secure with high-level encryption
- Multi-language support (English plus Nepali
Cons
- Limited to Nepal
- Can only be used on one mobile device at a time
eSewa Nepal Payment Gateway
eSewa is popular digital payment in Nepal, launched in 2009 for multi-utility online payments, including utility bill payouts, mobile recharges, flight bookings, plus many other services online. It is widely accepted by merchants. eSewa has become synonymous with digital payments in Nepal, offering both wallet services and integration with local banks.
| Feature | Details |
|---|---|
| Remittance options | Bank transfers, mobile top-ups, utility bill payments, ticket bookings, online shopping |
| Registration Documents | National identification (e.g., citizenship, license, passport, voter’s ID card) |
| Settlement Period | Instant regarding most transactions; bank transfers may vary |
| Mobile App Integration | Android & iOS platforms are available |
| Onboarding Time | Quick registration process for users; merchants may require additional verification |
| Customer Support | Available through toll-free numbers or online support channels |
| E-commerce Platforms Supported | Integration with various local e-commerce platforms and retail outlets |
| Other Integrations | APIs/plugins available for business integration |
| Dashboard | Real-time transaction management, reporting tools for users or merchants |
| Remittance optionsBank transfers, mobile top-ups, utility bill payments, ticket bookings, online shopping | |
| Registration DocumentsNational identification (e.g., citizenship, license, passport, voter’s ID card) | |
| Settlement PeriodInstant regarding most transactions; bank transfers may vary | |
| Mobile App IntegrationAndroid & iOS platforms are available | |
| Onboarding TimeQuick registration process for users; merchants may require additional verification | |
| Customer SupportAvailable through toll-free numbers or online support channels | |
| E-commerce Platforms SupportedIntegration with various local e-commerce platforms and retail outlets | |
| Other IntegrationsAPIs/plugins available for business integration | |
| DashboardReal-time transaction management, reporting tools for users or merchants |
Pros
- Well-established & trusted
- Broad range of services
- Widely accepted by merchants
- Free to use regarding most services
Cons
- Transaction fees regarding certain services
Fonepay
Fonepay, a subsidiary of F1Soft Group, is Nepal’s first interoperable payout system connecting banks, wallets or merchants. It facilitates seamless transactions across these platforms, offering both person-to-person (P2P) plus person-to-merchant (P2M) payments, making it a highly versatile Nepal payment gateway.
| Feature | Details |
|---|---|
| Remittance options | QR code, bill, offline payments via NFC tags or customer-presented QR codes. |
| Registration Documents | Users require a bank account with a partner bank or a compatible digital wallet. |
| Settlement Period | Settlement times for merchants may vary. |
| Mobile App Integration | Available through partner bank apps or digital wallets. |
| Onboarding Time | Merchants may experience varying onboarding durations. |
| Customer Support | Provides support through various channels; response times may vary. |
| E-commerce Platforms Supported | Supports integration with various e-commerce platforms, enhancing online payment capabilities. |
| Other Integrations | Offers APIs with plugins regarding multiple platforms, facilitating seamless integration. |
| Dashboard | Provides real-time transaction management, allowing for efficient personal finance monitoring. |
| Remittance optionsQR code, bill, offline payments via NFC tags or customer-presented QR codes. | |
| Registration DocumentsUsers require a bank account with a partner bank or a compatible digital wallet. | |
| Settlement PeriodSettlement times for merchants may vary. | |
| Mobile App IntegrationAvailable through partner bank apps or digital wallets. | |
| Onboarding TimeMerchants may experience varying onboarding durations. | |
| Customer SupportProvides support through various channels; response times may vary. | |
| E-commerce Platforms SupportedSupports integration with various e-commerce platforms, enhancing online payment capabilities. | |
| Other IntegrationsOffers APIs with plugins regarding multiple platforms, facilitating seamless integration. | |
| DashboardProvides real-time transaction management, allowing for efficient personal finance monitoring. |
Pros
- Interoperable across banks & wallets
- Secure transactions
- Wide merchant acceptance
Cons
- Limited international support
Khalti Payment Gateway
Khalti is a fast-growing digital wallet and Nepal payment service launched in 2017. It provides users with a variety of services, including utility payments, mobile recharges, and online shopping. Khalti is especially popular for its easy-to-use interface with seamless transactions, including QR code payouts.
| Feature | Details |
|---|---|
| Remittance options | E-banking, mobile banking, cards, Khalti wallet. |
| Registration Documents | Business registration, PAN certificate, tax clearance are required. |
| Settlement Period | Instant for users |
| Mobile App Integration | SDKs & APIs available. |
| Onboarding Time | Varies for merchants depending on documentation and integration. |
| Customer Support | Available through multiple channels, including email or phone. |
| E-commerce Platforms Supported | Supports integration with various e-commerce platforms through APIs. |
| Other Integrations | Plugins available for multiple platforms. |
| Dashboard | Real-time transaction management and reporting for merchants. |
| Remittance optionsE-banking, mobile banking, cards, Khalti wallet. | |
| Registration DocumentsBusiness registration, PAN certificate, tax clearance are required. | |
| Settlement PeriodInstant for users | |
| Mobile App IntegrationSDKs & APIs available. | |
| Onboarding TimeVaries for merchants depending on documentation and integration. | |
| Customer SupportAvailable through multiple channels, including email or phone. | |
| E-commerce Platforms SupportedSupports integration with various e-commerce platforms through APIs. | |
| Other IntegrationsPlugins available for multiple platforms. | |
| DashboardReal-time transaction management and reporting for merchants. |
Pros
- User-friendly interface
- Wide range of services
- Loyalty points system
Cons
- Fewer international features
NSBL Payment Gateway
Nepal SBI Bank (NSBL) offers a reliable payment gateway Nepal for merchants, supporting both local & international transactions through Visa/ Mastercard. It is ideal for businesses looking to accept online payouts securely.
| Feature | Details |
|---|---|
| Remittance options | RTGS, NEFT |
| Registration Documents | KYC documents as per banking regulations |
| Settlement Period | Instant (RTGS); within a few hours (NEFT), subject to banking hours |
| Mobile App Integration | Available through YONO Nepal SBI mobile banking application |
| Onboarding Time | Immediate for existing account holders |
| Customer Support | Available through NSBL branches with customer service channels |
| E-commerce Platforms Supported | Not specified; primarily designed for remittance services |
| Other Integrations | Integration with SBI's extensive banking network in India |
| Dashboard | Real-time transaction tracking available through NSBL's online banking portal |
| Remittance optionsRTGS, NEFT | |
| Registration DocumentsKYC documents as per banking regulations | |
| Settlement PeriodInstant (RTGS); within a few hours (NEFT), subject to banking hours | |
| Mobile App IntegrationAvailable through YONO Nepal SBI mobile banking application | |
| Onboarding TimeImmediate for existing account holders | |
| Customer SupportAvailable through NSBL branches with customer service channels | |
| E-commerce Platforms SupportedNot specified; primarily designed for remittance services | |
| Other IntegrationsIntegration with SBI's extensive banking network in India | |
| DashboardReal-time transaction tracking available through NSBL's online banking portal |
Pros
- Trusted international payment options
- Backed by SBI Bank
- Secure & reliable
Cons
- Higher fees regarding international transactions
Prabhu Pay Gateway Payment
Prabhu Pay is one of the most popular payment gateways offering utility payouts, mobile top-ups, fund transfers etc. It is part of larger Prabhu Group. It is gaining popularity for its user-friendly services and remittance capabilities.
| Feature | Details |
|---|---|
| Remittance options | Bank transfers, mobile banking, internet banking, card payouts |
| Registration Documents | Valid mobile number plus email address |
| Settlement Period | Instant for most transactions |
| Mobile App Integration | iOS & Android platforms are available |
| Onboarding Time | Quick registration process |
| Customer Support | Available via mobile, Viber, toll-free numbers, or email |
| E-commerce Platforms Supported | Integration with various e-commerce platforms |
| Other Integrations | APIs for multiple platforms |
| Dashboard | Real-time transaction management |
| Remittance optionsBank transfers, mobile banking, internet banking, card payouts | |
| Registration DocumentsValid mobile number plus email address | |
| Settlement PeriodInstant for most transactions | |
| Mobile App IntegrationiOS & Android platforms are available | |
| Onboarding TimeQuick registration process | |
| Customer SupportAvailable via mobile, Viber, toll-free numbers, or email | |
| E-commerce Platforms SupportedIntegration with various e-commerce platforms | |
| Other IntegrationsAPIs for multiple platforms | |
| DashboardReal-time transaction management |
Pros
- Simple & user-friendly
- Offers remittance services
Cons
- Fewer features compared to larger wallets
Paykassma
Paykassma is a global payment aggregator facilitating seamless online transactions for businesses and consumers in Nepal.
| Feature | Details |
|---|---|
| Remittance Options | Bank transfers, mobile banking, internet banking, card payouts |
| Registration Documents | Valid mobile number plus email address |
| Settlement Period | Instant for most transactions |
| Mobile App Integration | iOS & Android platforms are available |
| Onboarding Time | Quick registration process |
| Customer Support | Available via mobile, Viber, toll-free numbers, or email |
| E-commerce Platforms Supported | Integration with various e-commerce platforms |
| Other Integrations | APIs for multiple platforms |
| Dashboard | Real-time transaction management |
| Remittance OptionsBank transfers, mobile banking, internet banking, card payouts | |
| Registration DocumentsValid mobile number plus email address | |
| Settlement PeriodInstant for most transactions | |
| Mobile App IntegrationiOS & Android platforms are available | |
| Onboarding TimeQuick registration process | |
| Customer SupportAvailable via mobile, Viber, toll-free numbers, or email | |
| E-commerce Platforms SupportedIntegration with various e-commerce platforms | |
| Other IntegrationsAPIs for multiple platforms | |
| DashboardReal-time transaction management |
Pros
- Compatible with numerous currencies, facilitating international transactions
- Does not impose rolling reserves or chargebacks, allowing immediate access to all funds
- Competitive fees for sending and receiving money
Cons
- Some transactions might not offer all preferred payment methods
- Fees can vary depending on the type of transaction or currency conversion
FAQ
Which payment gateway is best in Nepal?
There isn’t a single “best” gateway payment in Nepali State as a choice depends on specific needs. However, eSewa is widely regarded as the most popular, comprehensive transaction gateway in this country.
Is eSewa a payment gateway?
Yes, eSewa is Nepal’s leading online remittance gateway, launched in 2009. It allows users to perform wide range of digital transactions, including paying utility bills, purchasing tickets, plus transferring money, making it a versatile and widely used platform.
What is the National Payment Gateway of Nepal?
National Payment Gateway (NPG) is an initiative by the Nepal government to centralize plus monitor digital financial transactions across various sectors, including government payouts. It aims to reduce reliance on international remittance processors such as Visa or Mastercard.
What is the first payment gateway in Nepal?
Primary digital transaction gateway in Nepal is eSewa, launched in 2009. It pioneered digital deposits in this country and has since grown to become the most widely used digital wallet in Nepali State, offering services ranging from utility bill payouts to airline ticketing.
