Roshana
developer
Roshana Ghemoshu has a keen interest in the evolving world of technology and its impact on everyday business. She enjoys exploring new trends, innovative ideas, and the ways digital advancements are shaping how businesses operate and connect with people.
Most Nepali online shoppers still expect cash on delivery, but digital payments are the faster path to cash and fewer failed deliveries. The harder question is which methods to offer. This guide compares the main options and what to check before integration.
The options at a glance
| Option | How customers pay | Good for | What to check |
| eSewa | Wallet balance, linked bank | Wide consumer familiarity | Merchant onboarding, fees, settlement time |
| Khalti | Wallet, bank, cards via app | Younger, app-first customers | Fees, settlement time, API features |
| ConnectIPS | Direct bank account transfer | Larger-value payments | Onboarding steps, per-transaction limits, fees |
| Fonepay / QR | Bank or wallet QR scan | In-store and QR checkout | Merchant setup |
| Cards (Local/Intl) | Debit/credit via bank gateway | Customers outside Nepal, higher values | Bank acceptance, fees, currency rules |
| Cash on Delivery | Cash at the door | Customers new to online shopping | Return rate, cash handling, courier fees |
(Note: Fees and limits change often. Verify every figure with each provider before publishing.)
Questions for every provider
- What are the fees, and who pays them?
- How long until money reaches your bank account?
- How are refunds and failed payments handled?
- Is there a sandbox for testing, and what does the API documentation look like?
- What are the per-transaction and daily limits?
- What documents do you need to onboard (company registration, PAN, bank details)?
- How does reconciliation work, and can you download reports?
Integration checklist for your team
- Confirm payment on the server, not just in the customer’s browser, to prevent fake “success” pages.
- Log every transaction ID and match it to the order.
- Handle timeouts and duplicate callbacks.
- Show clear failure messages and let customers retry.
- Never store card details yourself.
- Plan monthly reconciliation against bank statements.
How to measure: Payment success rate, checkout abandonment at the payment step, share of orders prepaid vs. COD, refund time, and reconciliation errors per month.
Risks: Relying on one provider, fee changes, settlement delays that affect cash flow, and fraud through fake confirmations.
How Quark Infotech can help
We build ecommerce and billing systems and can integrate payment gateways with proper order matching and reconciliation. We have integrated eSewa, Khalti, and ConnectIPS for various local retail and service platforms. We can scope the right payment mix for your store and build a secure checkout process that ensures every transaction is tracked accurately.
FAQs
Which method should we offer first?
Start with the one your customers already use most, then add one more.
Should we stop cash on delivery?
Not at first. Encourage prepayment, then review.
Can we accept foreign cards?
It depends on your bank and current NRB regulations.
Need help integrating payments? Book a free 30-minute call with our team.
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