Accepting online payments in Nepal used to mean choosing between Khalti and eSewa, signing separate merchant agreements, and building two entirely different integrations. In 2026, that has changed significantly. This guide walks you through everything you need to get started.
Why Online Payments Matter for Nepali Businesses
Per Nepal Rastra Bank's payment statistics, digital payments in Nepal now run into the trillions of rupees a year, and QR use is growing fast. If your business doesn't accept digital payments, you are losing customers who simply won't pay via cash on delivery.
The good news: setup is faster than ever.
The Main Payment Methods in Nepal
Before choosing an integration approach, understand what your customers use:
Khalti - Wallet-based payments. Very popular for everyday purchases, app transactions, and younger demographics. Works via wallet balance or linked bank accounts.
eSewa - one of Nepal's most established and widely used digital wallets. Strong reach across age groups and geographies. Also supports linked bank accounts and cards.
Fonepay - a widely used Nepali bank network. Customers pay by scanning a dynamic QR code with almost any Nepali bank or wallet app, and confirmation is instant with no redirect. Widest bank-app reach.
ConnectIPS - Direct bank-to-bank transfer operated by Nepal Clearing House Ltd (NCHL). Best for large amounts, B2B payments, and customers who prefer not to keep wallet balances. (Not yet available through PayBridgeNP, on our roadmap.)
Option 1: Direct Integration (The Hard Way)
You can integrate each provider directly:
- Apply to Khalti Merchant Portal: expect a week or two for approval
- Apply to eSewa Merchant separately: another week or two
- Apply to ConnectIPS via your bank: often a few weeks
- Build separate payment flows for each
- Manage separate webhooks, reconciliation, and refund APIs per provider
This works, but you end up maintaining three integrations forever, three sets of API credentials, and three dashboards to reconcile.
Option 2: Use PayBridgeNP (The Smart Way)
PayBridgeNP is a unified payment gateway that gives you Khalti, eSewa, and Fonepay through a single API, single dashboard, and single integration. (ConnectIPS adapter is on the roadmap.)
Getting Started with PayBridgeNP
Step 1: Create an account
Go to dashboard.paybridgenp.com and create your merchant account. All you need is an email address and a password. Documents like your business registration certificate and PAN/VAT belong to the provider side: eSewa, Khalti, and Fonepay ask for them when you open your merchant account with each of them.
Step 2: Add your payment providers
In the dashboard's Providers section, add your Khalti and eSewa credentials. PayBridgeNP validates them in real time.
Step 3: Get your API keys
From the Keys section, generate your publishable and secret keys.
Step 4: Create a payment session
curl -X POST https://api.paybridgenp.com/v1/checkout \
-H "Authorization: Bearer sk_live_your_key" \
-H "Content-Type: application/json" \
-d '{
"amount": 150000,
"currency": "NPR",
"customer": {
"name": "Ram Sharma",
"email": "ram@example.com",
"phone": "9841234567"
},
"metadata": {
"order_id": "ORD-001"
}
}'
The response includes a checkout_url. Redirect your customer there and PayBridgeNP handles the rest: provider selection, payment, and redirect back to your site.
Step 5: Handle the webhook
PayBridgeNP sends a payment.succeeded webhook to your endpoint:
{
"id": "evt_abc123",
"type": "payment.succeeded",
"created": 1776211200,
"livemode": true,
"data": {
"id": "pay_abc123",
"amount": 150000,
"currency": "NPR",
"provider": "khalti",
"metadata": {
"order_id": "ORD-001"
}
}
}
Fulfill the order, send a confirmation email. Done. Make sure to secure your integration before going live.
No-Code Options
Not a developer? PayBridgeNP also offers:
- WooCommerce Plugin - Install, add credentials, start accepting payments in 5 minutes
- Shopify App - Direct/custom install for each merchant
- WHMCS Module - For hosting companies and service businesses
- Payment Links - Share a link, customer pays, no code required
- Payment Buttons - Embed a "Pay Now" button on any website with one line of HTML
Transaction Fees
PayBridgeNP charges 0% per transaction. You pay a flat monthly plan (Free, Growth NPR 1,999/mo, or Pro NPR 4,999/mo) and no setup fees. Your provider (eSewa, Khalti) charges its own per-transaction rate directly.
Summary
| Approach | Setup Time | Best For |
|---|---|---|
| Direct Khalti | 2-3 weeks | Only need Khalti |
| Direct eSewa | 2-3 weeks | Only need eSewa |
| PayBridgeNP | 1 day | eSewa, Khalti, Fonepay, unified |
If you sell online in Nepal and want the fastest path to accepting payments, PayBridgeNP is the obvious choice. Create your free account to build and test in sandbox for free, and the free plan accepts live payments up to NPR 50,000 per month. Upgrade to Growth or Pro when your monthly volume grows past that.