online wallets in india

Digital wallet means merely a medium that makes all monetary transaction digitally. It is a cashless financial transaction. In a developing country like Nepal digital wallet is still a new thing and hard to understand but if we look at the developed countries, it has become one of the best ways to carry financial transaction. Developed countries have been making the cashless transaction via digital wallet for a long time.

The present era is an era of digitalization. Many things have been digitalized. By sitting in one corner, we can purchase vegetables, clothes, reserve movies, and flights tickets and among others.

Nepal is slowly and gradually transforming towards a digital economy. People have already begun to pay the bills of the internet, cable network, electricity and among others through digital media. Numbers of online paying platform has developed. Some of the best digital wallets that have been doing an immensely good job in Nepal include:


Developed by F1 soft, eSewa is one of the most successful digital portfolios in Nepal.  It came in operation since 2009 and has recently been licensed by Nepal Rastra Bank as Payment Service Provider.

Customers can register and get mobile money account instantly, cash-in to their wallet from Agents and partner banks and start making payments. Customers can pay for utilities, recharge their mobile, pay internet bills, EMI, buy airlines ticket, school fees, credit card bills, etc. from their mobile.

Similarly, merchants, service providers, and retail outlets can receive payments for goods and services in their wallet instantly. This enables hassle-free, secure and immediate payments from customers.

Recently eSewa has collaborated with Nepal Airlines for online ticketing of domestic and international flights.

eSewa App is available for both iOS and Android devices.


Just within the one year of its launch, Khalti has gained a lot of popularity and users. The app was launched at CAN infotech 2017 in the late January last year. Khalti has tied up with the different organization such as QFX, Sunrise Bank, Motorola Nepal and among others.

Khalti is a digital wallet for instant, secure and hassle-free online payments in Nepal. The user of this app can recharge mobiles, pay bills, book tickets from wherever they are and whenever they want.

Khalti is one stop payment gateway that provides the range of services including online mobile recharge, bill payments, online ticketing and many more. Khalti is operated and owned by Sparrow Pay Pvt. Ltd. The parent company of Khalti, Janaki Technology has been in the software product industry since 2010.


iPay is a bill pay service that allows you to make payments to businesses and individuals using your Internet banking account. You can determine who to pay, which account the amount should come from and when to make the payment.

 The advantage of iPay includes:

Stay organized – payment history is stored in your Internet banking account.
Save money – paying bills online saves on postage, envelopes, and checks.
Save time – pay your bills online, all in one place.

Q- Pay

By using Q- Pay application consumer can easily make payment for goods purchased and services rendered. Bill payment and fund transfer becomes simple and systematic with the usage of this App. Similarly, users can easily link their bank accounts that will help them to deposit their QPay wallet funds in their respective bank accounts.

Q-Pay consists of two different features Q- Pay consumer app and Q- Pay merchant app.

Q- Pay consumer app- This feature in our app helps consumers to make payment of products purchased and or services availed, such as Retail Outlets (Clothing Stores, Shopping Marts, Grocery, and others), Restaurants, Taxis, and others.

Q- Pay merchant app- This feature in helps consumers to make payment of products purchased and or services availed, such as Retail Outlets (Clothing Stores, Shopping Marts, Grocery, and others), Restaurants, Taxis, and others.


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