Top Digital Payment Services in Nepal

Spread the love

As more people get access to the internet, digital wallets and payment gateways, e-banking, mobile banking, plastic cards, Automated Teller Machines, Point of Sales Machines, and many more methods of digital payment become more widespread in Nepal. Most Nepalese people now accept digital payments as part of their daily lives. There are many payment services in Nepal. In the article, we will discuss the top digital payment services in Nepal with growing user counts.

Top Digital Payment Services in Nepal

Depending on their types, digital payment services are also differentiated into Gateway or Wallet Types. We will discuss:

  • eSewa | Wallet
  • Khalti | Wallet
  • Prabhu Pay | Wallet
  • FonePay | Gateway
  • IME Pay | Wallet

The following services are not ranked in any order.

1. E-Sewa

E-Sewa was released in 2009 and from then has become the revolutionary tool for Nepal’s online payment system. The app works as a mobile payment provider which provides smartphone users with easy and convenient means for payment.


eSewa saw a rise in popularity and usage with Covid-19 where cashless transactions were more necessary. eSewa is the country’s most widely used digital payment method. Due to the service being one of the oldest, it is the most trusted and used service. The service has a huge coverage with many merchants using it.


  • With just their phones, users can register for and receive a mobile money account, deposit funds into their wallets from agents and partner banks, and begin making payments. Users may also use their mobile to pay for utilities, recharge their phones, pay internet bills, EMI, school fees, credit card payments, and many other things.
  • The service does not just end with utilities but users can also book airline tickets including international.
  • With eSewa, we can also do government transactions. It enables us to pay for government services such as local government payments, foreign employment insurance, welfare money, etc.
  • Integration of various online shopping platforms including food and drinks to let users choose the best vendors.
  • Simple interface for easy navigation.
  • Easy payment from one user to another just via QR Scan.
  • Includes more straightforward but still working offline mode where transactions are done with the help of SMS.
  • The service also has good security. eSewa provides biometric verification for the authentication of the user’s ID. It also has MPIN and passwords for your account.
  • The app offers different cash-back services and other features with huge coverage all over the country.

Download The App for IOS | Android

Visit eSewa Website

2. Khalti

Khalti is a mobile wallet, payment processor, and service provider. Introduced in 2017, Khalti has become a new form of online payment option in Nepal and is rising in popularity among many Nepalese.


The wallet was launched by Sparrow Pay Pvt. Ltd. in 2017 and it has progressively risen as an alternative to eSewa in just 5 years. Its feature set is identical to that of eSewa, making it a popular e-payment gateway in the country. Khalti offers many of the same features as eSewa, as well as those that are unique.


  • Khalti also facilitates transactions for utility and government-based payments.
  • The most notable feature of Khalti is its cash back. Khalti provides you guaranteed cash back on subscriptions and payments.
  • It also has different offers and a “point” based system where you are granted points for your transactions. You may exchange your Khalti points for gift baskets, balance, or cinema tickets, among other things. It should be noted that your Khalti points will not be accepted for the payment of NEA or Khanepani bills.
  • The wallet has also gained popularity due to its security. The wallet uses extensive security measures to safeguard your credentials. With a 100% guarantee of your privacy, Khalti makes sure no illegal transactions happen through your account.
  • Khalti records your transaction history and tracks payments. This way you can always find out how your money was used.
  • Khalti also provides remittance services.
  • Facilitates online shopping through its application.
  • The QR code facility makes the transaction completely contactless. You just have to scan the QR code through your phone which saves your time because you do not have to enter your pin.

Download the App for IOS | Android

Visit Khalti Website

3. Prabhu PAY

Prabhu PAY is another wallet-based digital payment system. This system is brought to you by Prabhu Group Company. The youthful contender has made significant progress in the contest for digital wallets, giving other competitors a run for their money. It was founded in 2018 AD and already has gained many active users.

prabhu pay


  • Prabhu Pay has an instant and hassle-free setup. Users can load money into their wallets from various banks, connect their IPS  and withdraw. This makes using the app very easy.
  • Prabhu pay makes it simple to transfer and receive money. Money may be moved from one account to another with a few mouse clicks. Users can also send money to their bank account and withdraw directly when required.
  • Like the previous digital payment services, online shopping can also be done through Prabhu Pay. You can also use its QR code feature for instant convenient pay. Other services that can be purchased using Prabhu pay are movie tickets, hospital OPD ticketing, flights and bus, events, and much more.
  • Users will be awarded reward points for any transactions. You can redeem gifts or any other rewards.
  • Prabhu Pay Remittance Service makes it simple to send and receive money to folks who live far away. This service is provided by the Prabhu Pay App on your phone. It is very easy.
  • You can also vote for your favorite shows or any other occasion directly from Prabhu Pay APP.
  • Security-wise, the app is excellent too.

Download the App for IOS | Android

Visit Prabhu Pay Website

4. Fone Pay

Fonepay Payment Service Limited is part of F1Soft Group which has been in operation since 2004. It is Nepal’s first mobile payment network to be licensed as a Payment System Operator (PSO) by the central bank.


Fonepay is a cashless payment service that allows bank and wallet clients to make merchant payments, financial transfers, and internet payments using their mobile phones. Financial services are made simple, accessible, and inexpensive by Fone Pay.


  • The main feature of the service is its QR Payment feature where you can get points for any transactions done with Fonepay.
  • Transferring funds from one bank to another has never been easier. With Fonepay you can transfer funds from one bank to other using the user’s mobile number or their bank account number.
  • Utility bills can also be paid using Fonepay
  • With its offer app service, you can participate in exciting challenges, and redeem products and gifts with the Fonepay points you collect with Fonepay transactions.

Download the App for IOS | Android

Visit FonePay Website

5. IME Pay

Advancing through the ranks In Nepal, IME Pay has become yet another popular digital payment gateway. It was established in 2017 as a subsidiary of IME Remittance, Nepal’s top remittance provider,. The platform has gained many customers due to its marketing strategies with various well-known actors and actresses alike. Its presence in the Nepali entertainment sector and relentless media advertising has made it an unavoidable brand among the people.

ime pay


  • The main reason behind the development of IME Pay was to make getting remittances simple and convenient. But over the years, the app has also broadened to give many other services and facilities.
  • Like other digital payment service applications, IME Pay also provides features for payment of utility bills. This app provides services such as airline tickets, bus ticketing, utility payment, remittance, ISB payment, telephone bill payment, and so on.

Download the App for IOS | Android

The above-listed applications and services are in no order ranked. Many new wallet-based services are slowly rising in Nepal with better features and services. We should all use them wisely for our own good. These are the Top digital payment services in Nepal.

Learn More

  • What is a Digital Payment?

    You need a digital wallet for digital payment. A digital wallet, also known as an e-wallet, is an internet service or software application that enables one party to conduct transactions electrically with another party in exchange for digital currency. The currency is stored digitally.

    Digital payment is the transfer of value from one payment account to another in which both the payer and the payee use a digital device such as a mobile phone, computer, or similar device. If the payer and payee wish to use the electronic payment service, they must both have a bank account, an online banking method, a device from which to make the payment, and a medium of transmission. A digital payment transaction can take place both online and in person with the payee.

  • Top Digital Payment Services in Nepal

    • E-Sewa | Wallet
    • Khalti | Wallet
    • Prabhu Pay | Wallet
    • FonePay | Gateway
    • IME Pay | Wallet
    • ConnectIPS | Gateway
    • CellPay | Wallet


Spread the love

One thought on “Top Digital Payment Services in Nepal

Leave a Reply