If you are operating an online business, it becomes crucial for you to accept payments online securely and easily. To maintain your online business offering your customer a safe, quick, and seamless payment system is a must.

With the right payment gateway, you are attracting customers as you are making it easy for your customers to pay for your product securely and without any hassle.

Not only your customer, but the payment gateway you choose should also satisfy both your business and customers’ requirements.

But to choose a better payment solution for your business, first, it is important to understand what is a payment gateway and how it works.


What is a payment gateway?

A payment gateway is a service that authorizes online payments easily.  It has the authority to instantly approve or decline the online payments and also permit the transfer of the funds between the company and the customer. In simple language, a payment gateway is how you accept your customer payments on your business website

Also read: 7 Reasons Why You Need Khalti as a Payment Gateway for Your Business


Core Key Participants


  1. Khalti Merchant: Business establishment or online seller of any vertical that offers products and services to consumers.
  2. Khalti User: A person with a Khalti account.
  3. Khalti Payment Gateway: A merchant-focused interface that enables businesses to accept customers’ digital transactions and online payments.

Online Payment Gateway Workflow

  1. A merchant has an e-commerce website for selling their products and services.
  2. A potential customer visits their website, finds a product, and adds it to the shopping cart.
  3. The customer goes to the payment section, selects Khalti as their preferred mode of payment, and completes the transaction.

Benefits of Online Payment Gateway in Nepal


Reduces shopping cart abandonment:

Online shopping is on the rise, and so is the cart abandonment rate. In this, many eCommerce businesses continue to struggle with a leaky funnel. While there are many reasons behind this, complicated checkout is one of them. A complicated payment process with lengthy steps will confuse your customer, triggering cart abandonment. By integrating a simplified online payment gateway for your e-commerce sites in Nepal, you can keep a hold of your customers throughout their purchase journey.


Eliminate geographical limitations:

Online payment gateway breaks the geographical restrictions enabling customers to make online payments from anywhere in Nepal.


Maximizes online sales:

An online payment option largely influences the shopping behaviour of impulse buyers. With a fast and easy real-time payment option in place, customers are more likely to grab the deal.


Fast & secure:

An online payment gateway not only helps you fend real-time attacks but also helps to reduce website load time. 


Things to consider before choosing the right online payment gateway in Nepal


 Ask about the fee structure

As an entrepreneur or a business owner, it is crucial to understand the complete payment structure of the payment gateway. You should always check if there are any monthly fees and setup fees before making any agreement. If you feel there’s no transparency in the pricing policy of a payment gateway, you should consider choosing a different payment gateway. Your choice depends on your budget and how you expect your business to accomplish. Comparing the price and doing a little research will surely help.


Security and safety

Always make sure the service provider you are choosing meets all the safety requirements and security standards. On the other hand, your customer’s safety is also equally important, so make sure you are comfortable with your choice. Doing a proper service agreement will enable trust between both parties.


Good customer support

You have to be sure that the payment gateway you are choosing also provides good customer support. There may be cases where you need to get in touch with your service provider as soon as possible, such as if there is an issue with a customer or delayed payments. You need to know that they’ll be there to help even on Saturdays.


 Compatible business models

It is very important to make sure that your payment is compatible with your business model. Most payment gateway providers have a list of merchants they have on board. It is always a good idea to look there first, study and research. Make sure to check the compatibility before rushing for a final decision.


 Consider the time it will take to integrate the gateway

You also need to consider how easy and how much time will it take to integrate the gateway into your website or app. Some gateways are easier to integrate than others. Researching and comparing the available payment gateways will give you some ideas.


 Better User Interface and usability

Checking your fees, transactions, and data should be easy and hassle-free. You want to be sorted, easy to look at, and have the best possible user experience when you check. Some platforms are better designed than others and are easier to learn.


The reputation of your Payment Gateway

Lastly, the reputation of your payment gateway in the market could also affect your relationship with your prospective consumer.

If you are looking for a payment gateway in Nepal, start accepting payments in Nepal online using Khalti. Integrate Khalti Payment Gateway & start accepting payments online using any payment methods – Ebanking, Smart Banking, SCT Cards, Khalti Wallet.


How to start accepting payments in Nepal?

To integrate Khalti Payment Gateway for your businesses, follow these easy steps:

  1. Sign up for the Khalti Merchant account by clicking here. You will get redirected to Khalti Merchant Sign Page.
  2. Enter your registered business name, contact details (phone number and email address), and password into the respective fields
  3. Review Khalti’s Merchant Terms & Conditions, and click on ‘Join’
  4. Enter the verification code sent to your email address, and click on ‘Verify’. You can also click on the link sent to your email address along with the code.

*Note: Merchant needs to fill and submit the KYC form to receive payments equal to or more than 5000.*

For more information on how Khalti Online Payment Gateway, please read Khalti Merchant Terms & Conditions and Khalti Privacy Policy.