Payment Gateway Integration in Nepal: Developer Guide (Esewa, Khalti, ConnectIPS)

Powering Seamless Digital Payments in Nepal

With over 20 million smartphone users and surging digital payment adoption, integrating local wallets and instant bank transfer APIs is critical for digital businesses across Nepal.

1. Unified Wallet APIs: Esewa, Khalti, and Fonepay

Modern applications cannot afford single-gateway dependencies. Our payment pipeline abstracts Esewa EPAY v2, Khalti Merchant SDK, and Fonepay Dynamic QR into a unified callback service.

• Webhook Signature Verification: Cryptographic HMAC SHA256 validation prevents fraudulent order spoofing.
• Idempotent Transaction IDs: Every transaction carries a unique merchant UID, preventing double charges during slow 4G network drops.
• Instant Soundbox & Notification: Cashiers and merchants receive sub-second voice confirmations upon successful settlements.

2. ConnectIPS Real-Time Bank Settlement

For high-ticket B2B transactions and bulk wholesale payments, NCHL ConnectIPS provides direct bank-to-bank debit with rock-bottom processing fees.

3. Multi-Currency International Gateways

For hospitality, trekking agencies, and export storefronts, we combine Stripe, PayPal, and Himalayan Bank 3D Secure 2.0 credit card gateways for frictionless international settlements.