Payment methods in Nepal

IME Khalti is Nepal's largest digital wallet, formed by the July 2025 merger of Khalti and IME Pay (operating as 'Khalti by IME', licensed by Nepal Rastra Bank). It supports payments, remittances, utility bills, ticketing and bank transfers, serving ~12.7 million users.

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.

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.

Mastercard is a leading global card network supporting credit, debit and prepaid card payments online, in-store and at ATMs worldwide. In the listed countries it is a core internationally accepted scheme.

Visa is the world's largest card network, enabling credit, debit and prepaid card payments online, in-store and at ATMs across virtually every market. In the listed countries Visa is a core internationally accepted scheme alongside local methods.

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.