# How to Accept Online Payments on Your Website in Nepal (eSewa, Khalti, ConnectIPS, Cards)

> To accept online payments on a website in Nepal, you register a merchant account with one or more payment providers (eSewa, Khalti, ConnectIPS, Fonepay, or a bank card gateway), integrate their API into your checkout, and verify every payment on your server before marking an order as paid.

Source: https://webappnepal.com/blog/how-to-accept-online-payments-in-nepal
Provider: WebApp Nepal, Kathmandu, Nepal
Published: 2026-08-04
Updated: 2026-09-21T04:55:49.000000Z

#### What payment options can a Nepali website offer?





- eSewa: Nepal's most widely used digital wallet. Buyers pay from their wallet balance or linked bank account.

- Khalti: the other dominant wallet, especially popular with younger urban users.

- ConnectIPS: direct bank-account payment through the national clearing house, useful for larger amounts such as school fees.

- Fonepay and QR payments: bank-app QR payments, common for shops and restaurants.

- Bank card gateways: Nepali banks offer Visa and Mastercard acquiring, which lets international customers pay by card while you settle in NPR.

- Cash on delivery (COD): still expected by many Nepali online shoppers.




#### How do you integrate a payment gateway step by step?





- Register as a merchant. You will need your business registration, PAN and bank details. Approval time varies by provider.

- Get sandbox credentials and build the integration against the test environment first.

- Create the order on your server before redirecting the customer to pay, so you always know the expected amount.

- Verify the payment server-side. After the customer returns, confirm the transaction with the provider's API or a signed response. Never trust the browser redirect alone.

- Handle failures and duplicates. Make order updates idempotent so a repeated callback cannot mark an order twice.

- Go live only after testing success, failure, cancellation and timeout cases.




#### Which payment gateway should you choose?



Offer at least two local wallets plus COD if you sell physical goods. Add a bank card gateway if you serve international customers such as tourists, hotels or exporters. Fewer failed checkouts usually matter more than the lowest fee.




#### What mistakes cause lost or unmatched payments?





- Marking an order paid from the redirect URL without verifying it.

- Storing gateway secrets in front-end code.

- Not logging transaction IDs, which makes reconciliation painful.

- Skipping refunds and partial-payment flows until a customer asks.



WebApp Nepal in Kathmandu builds and secures payment integrations for e-commerce, booking, school-fee and donation platforms. [See our payment gateway integration service](/service/payment-gateway).

## Frequently asked questions

### Can I accept payments in Nepal without a registered company?

Most providers require a registered business and bank account. Requirements differ, so confirm with the provider before you build.

### Does integration work with WooCommerce and custom sites?

Yes. WooCommerce sites typically use a plugin, while custom PHP, Laravel, Node.js or Next.js sites integrate the provider's API directly.

### Can a Nepali business accept international cards?

Yes, through a Nepali bank's card gateway, with funds settled in NPR. Some exporters also use PayPal or Stripe depending on how their business is registered.