Payment methods in Nepal

International debit cards issued by Nepali banks, used primarily for ATM withdrawals and select online purchases. Card penetration remains low given limited bank account ownership, but international card acceptance is growing at larger merchants and online platforms.

Nepal's leading QR payment interoperability network, connecting multiple banks and wallets. Fonepay surpassed 1 million QR transactions in a single day, demonstrating the rapid adoption of QR-based payments. It serves as the backbone for merchant QR acceptance across the country.

Nepal's first licensed Payment Service Provider, established in 2009. eSewa is the market-leading digital wallet, allowing users to pay utilities, recharge phones, shop online, and make merchant payments via QR code. It has millions of registered users and remains the benchmark for digital payments in Nepal.

An interbank payment system operated by Nepal Clearing House Ltd (NCHL), enabling real-time fund transfers between bank accounts. ConnectIPS is widely used for e-commerce payments, government service fees, and utility bill payments by banked consumers.

Formed by the merger of Khalti Digital Wallet and IME Pay, combining two of Nepal's most popular fintech brands. IME Khalti offers mobile payments, bank transfers, airline ticket booking, and merchant QR payments. The merger strengthened both capital and user base.