The Nepali rails that convert
Two wallets carry most consumer digital payment volume in Nepal, with interbank transfer covering larger and business-to-business flows. Offering both wallets rather than one materially widens the customer base you can serve.
eSewa
Nepal's longest-established digital wallet, with nationwide agent coverage and deep consumer trust.
Khalti
A rapidly growing wallet and payment platform with strong adoption among urban and younger customers.
Bank transfer
Interbank collection with unique reference matching for larger ticket sizes and B2B settlement.
Local bank accounts
Dedicated NPR collection accounts for merchants requiring bank-native acceptance.
Payouts
Disbursement to wallets and bank accounts with the same idempotency and webhook guarantees as collections.
Routing control
Adjust method and provider routing from the merchant portal as live performance data accumulates.
From checkout to settlement in four steps
1. Create a transaction
Call the transactions API with amount, currency, method and an idempotency key. You receive a transaction reference and the payment instruction immediately.
2. The customer pays locally
The customer completes the payment in eSewa or Khalti, or sends a bank transfer quoting the unique reference returned by the API.
3. Signed webhook
An HMAC-signed webhook fires the moment the payment state changes. Verify the signature and keep the handler idempotent — delivery is at-least-once.
4. Settlement and reporting
Confirmed volume enters your NPR merchant balance. Settlement, fee and commission lines are exportable per period for reconciliation.
Engineering details that keep ledgers correct
Idempotency keys
Safe retries: a repeated request returns the original transaction instead of creating a duplicate.
Stable references
A single reference used across dashboards, webhooks, exports and support tickets.
Retrying webhooks
Automatic retry with backoff so transient downtime on your side does not drop events.
Sandbox coverage
Test success, failure, timeout and duplicate scenarios before production traffic.
Explicit states
Documented transaction states with complete per-transaction history.
Structured errors
Actionable error codes that speed up integration debugging.
Merchants we support in Nepal
Complex verticals are the ones most often turned away by domestic processors focused on simple e-commerce. We underwrite each merchant individually — see the high risk payment solution Nepal page for how that review works in practice.
- Forex
- iGaming
- Sports betting
- Casino
- Gaming
- SaaS
- Digital services
- Subscriptions
Why merchants choose PayEurasia in Nepal
Route monitoring
Continuous success rate, latency and decline tracking, with failover where redundant capacity exists.
Real-time dashboards
Transactions, balances, settlements and disputes updated as events land.
Clean reconciliation
Fee and commission lines attached to each transaction for straightforward period close.
Compliance built in
KYB onboarding, AML monitoring and auditable administrative logs.
Predictable settlement
Agreed cadence with pending payouts and reserves visible in the portal.
Dedicated support
A named team reachable on Telegram and email through integration and live operations.
Ready to accept payments in Nepal?
Submit a merchant application and our team will scope your method mix, settlement cadence and integration timeline within one business day.
Frequently asked questions
What is a Nepal payment gateway?
It is the infrastructure that lets a business collect payments from Nepali customers over domestic rails — digital wallets such as eSewa and Khalti plus interbank transfer — confirm them programmatically and settle the funds to the merchant. PayEurasia provides that layer with reconciliation, reporting and payout tooling behind one REST API.
Which methods does PayEurasia support in Nepal?
eSewa, Khalti, local bank accounts and direct bank transfer. Merchants can enable any combination and adjust routing between them from the merchant portal.
Is card acceptance enough for Nepali customers?
No. Cross-border card usage is limited and concentrated, while wallet adoption is broad. A wallet-first checkout with a bank transfer fallback covers far more of the addressable market than a card-only page.
How is settlement handled?
Confirmed volume enters your merchant balance in NPR. Cadence, settlement currency and any reserve terms are agreed at onboarding and remain visible, with fee and commission lines, in the merchant portal.
Do you accept high-risk merchants in Nepal?
Yes. Forex, iGaming, betting, gaming, SaaS, digital services and subscription businesses are core verticals, underwritten individually rather than declined on category.
How long does integration take?
Typically a few days. Sandbox credentials, idempotent endpoints, HMAC-signed webhooks and reference payloads are available before go-live.
What documents are required to onboard?
Company registration documents, director KYC, a description of the business model and traffic sources, and settlement bank details. Compliance review usually completes within a few business days.
Related guides
Best Payment Gateway in Nepal
eSewa, Khalti and connectIPS compared for NPR collections and payouts.
Read the guideeSewa Merchant Payment Guide
Accepting eSewa wallet payments and reconciling NPR volume.
Read the guideCross-Border Payment Guide for South Asia
Collecting locally across four markets and settling into one treasury.
Read the guideMerchant Payment Infrastructure Guide
The ledger, reconciliation and reporting layer behind a reliable checkout.
Read the guide