ONLINE PAYMENT
AND
OVERVIEW OF "eSEWA AND KHALTI"
DIGITAL WALLET
With
the advancement of technology human life is becoming easier in all aspects. Our
works have become easier and are completed faster with convenience in areas
such as industries with automation in machineries, talking about communication
sector we have now reach to every corners of the earth and even outside earth
with internet access.
Along with this
rapid advancement the way of payment has also changed into online platform, it
is not compulsory to carry money in the form of cash, just what you need is a
smartphone and digital wallet in which you can load funds through your bank
using internet or sms or mobile banking and pay for what you want instantly.
Using digital
wallet the bills of electricity, drinking water, internet, telephone can be
paid sitting at home. More than that you can book hotels, plane and bus tickets,
movie tickets and recharge your phone and do online shopping and many more.
In Nepal also
use of digital wallets is increasing rapidly. These are the two pioneer online payment
sites that provide service in Nepal:
I. Khalti
Khalti is a payment gateway that provides range of services including online mobile recharge, bill payments, online ticketing and many more. Khalti is operated and owned by Sparrow Pay Pvt. Ltd whose parent company is Janaki Technology which has been in the software product industry since 2010. It can be used to load fund from bank to make various payment, send and request money and also withdraw money from wallet back to bank.
Using Khalti mobile topup, landline bill payment, dishhome recharge, simTV recharge, ADSL bill payment and MIDAS payment can be done with a gain of 2% bonus. And on payment of vianet bill, insurance installment, meroTv recharge, NetTv recharge gives users a bonus of 1%. Other than that on purchase of recharge card users get a bonus of (1 to 3)%, purchase of Kaspersky antivirus software gives users bonus of 28.5%, on movie tickets users get 25% bonus and on wordlink bill payment 0.5% bonus. However on the payment of electricity and drinking bill users do not get any bonus.
Plane tickets for domestic flights can be purchased to reach your destination and users can select among various airlines including Yeti airlines, Buddha Airlines, Saurya Airlines, Shree Airlines and users get some bonus on ticket purchase also.
Khalti can also be used to buy movie ticket easily and instantly. Hotels can also be booked in Kathmandu and Pokhara at a reasonable price.
Khalti had introduced a scheme named refer and earn in which users could refer their friends using a referral link and make money upto Rs 5000.
Users can load funds into their wallet by various banking services facilitated by the following banks:
1.Internet Banking
Bank of Kathmandu, Everest Bank, Global IME Bank, Machhapuchhre Bank, MEGA Bank Limied, NIC ASIA Bank, NMB Bank, Nepal Investment Bank Limited, Prabhu Bank
2. Mobile Banking
Machhapuchhre Bank, NMB Bank, Sunrise Bank Limited
3. Bank Deposit
NIBL/ MBL Bank
4.Debit/Credit Card
The first 3 transactions are free of cost and after 3 transactions a service charge of 2%(max. amount Rs. 25) will be charged after 3 transactions. A maximum amount of Rs 16,000 can be loaded at once and can be loaded through these bank’s debit or credit card.
Central Finance, Civil Bank(SCT), Deva Bikas Bank Limited, Everest Bank, Excel Development Bank, Gandaki Bikash Bank, Global IME(SCT), Gurkhas Finance, Himalayan Bank(VISA & SCT), ICFC Bittiya Sansthan, International Jebil’s Finance, Kailash Bikash Bank, Kanchan Development Bank, Karnali Development Bank, Lalitpur Finance, Laxmi Bank(SCT) , Manjushree Finance, Mega Bank, Nabil Bank(SCT), Nepal Bank, Nepal Community Development Bank, Om Development Bank, Pokhara Finance, Prabhu Bank(SCT), Purnima Bikash Bank, Reliance Finance, Shangrila Development Bank, Srijana Finance, Sandard Chartered Bank.
GET KHALTI
For Android: DOWNLOAD
For IOS: DOWNLOAD
II. eSewa
eSewa is a mobile money account developed and owned by F1 Soft International It is a digital wallet from where customers can pay, send and receive money from their mobile phone and internet, instantly. It is 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.
eSewa can also be used to pay electricity and drinking water bills, recharge TV’s like dishhome. meroTV SIM TV and internet bills of many ISPs like Vianet, Broadlink, Netmax, Worldlink, HONS, Websurfer, Subisu, Itel, Classic Tech, ADSL. Similarly, merchants, service providers and retail outlets can receive payments for goods and services in their wallet instantly..
On the topup of NTC and NCELL, ADSL payment and landline bill payment a cashback of 2% can be received.
Cash in eSewa wallet can be loaded by these ways from many different banks:
1.Internet Banking
Global IME Bank, Prabhu Bank, Everest Bank Limited, NIC ASIA, Nabil Bank, Citizens Bank international, Janata Bank, NMB Bank Limited, Sunrise Bank Limited, Sanima Bank, Bank of Kathmandu, Kumari Bank Limted, Machhapuchhre Bank Limited, Nepal Bangladesh Bank Limited, Siddhartha Bank, NCC Bank, Laxmi Bank, Mega Bank Nepal Limited, Civil Bank Limited, Tourism Development Bank, OM Development, Kailash Bikash Bank Limited, Muktinath Development Bank.
2. Mobile Banking
Nepal Bank Limited, Global IME Bank, Prabhu Bank, Everest Bank, NIC ASIA, Nabil Bank, Citizens Bank International, Janata Bank, NMB Bank Limited, Sunrise Bank Limited, Sanima Bank, Bank Of Kathmandu, Kumari Bank Limited, Machhapuchhre Bank, Nepal Bangladesh Bank, Siddhartha Bank, NCC, Laxmi Bank, Mega Bank Limited, Civil Bank Limited, Tourism Development Bank Limited, Om Development Bank, Muktinath Bank, Rastriya Banijya Bank, Excel Development Bank Limited, Shine Resunga Development Bank, Garima Development Bank, Prime Commercial Bank Limited, Shangrila Development Bank Limited, Jyoti Bikash Bank Limited, Lumbini Development Bank, Karnali Development Bank, Tinau Development Bank Limited, Kamana Sewa Bikash Bank Limited, Purnima Bikash Bank, Gurkhas Finance Limited, Mahalaxmi Bikash Bank Limited, United Finance, Pokhara Finance.
3.Counter Deposit
Global IME, Prabhu Bank, Janata Bank, Tourism Development Bank, Mahalaxmi Development Bank
GET eSEWA FOR YOUR DEVICE:
For Android: DOWNLOAD
For IOS: DOWNLOAD
Comparison:
In comparison to khalti eSewa has almost all features that khalti has. More than that eSewa has features like online shopping, online food ordering system, bus ticket reservation and also eSewa can be used to load funds from many banks than Khalti. This makes eSewa a step ahead than Khalti.
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