How Nepal actually gets paid.
Field notes on eSewa settlements, Khalti refunds, wallet pooling, fees, VAT and reconciliation - the money-ops questions nobody else writes about.
Reconciliation for ISPs and Subscriptions
How ISPs and subscription businesses in Nepal reconcile recurring collection, spot failed renewals, and match customer-initiated payments back to accounts.
Read the guideRails & wallets
How eSewa, Khalti, Fonepay and connectIPS actually work for merchants - onboarding, data access, and gotchas.
eSewa vs Khalti vs Fonepay for Merchants
An honest merchant comparison of eSewa, Khalti and Fonepay in Nepal: data access, refunds, webhooks, fees and settlement behaviour, from a reconciliation point of view.
connectIPS Explained for Businesses
connectIPS and NCHL for Nepali businesses: how IBFT and RPS direct transfers appear in your bank statement, and how to reconcile subscriptions and standing instructions.
Fonepay QR for Merchants: A Complete Guide
How Fonepay static and dynamic QR work for Nepali merchants, how funds land in your bank, and how to reconcile QR payments via bank statements and the business app.
Khalti for Business: A Complete Guide
Khalti merchant onboarding for Nepali businesses: the pidx and lookup flow, the transaction list and refund APIs, netting behaviour, and per-transaction fees.
eSewa Merchant Account: A Complete Guide
How to open an eSewa merchant account in Nepal, get your merchant code and secret key, and understand the wallet-to-bank settlement flow and its gotchas.
Settlements & payouts
How money moves from wallet to bank, how to read a settlement, and how fees and timing shrink your payout.
Payment Gateway Fees in Nepal Compared
eSewa vs Khalti vs Fonepay fees and MDR, why your effective rate drifts over time, and how to audit the fee you were charged against the fee you should have paid.
How Khalti Settlement and Payouts Work
How Khalti settles to your bank: capture vs payout, T+? timing, fees you can audit, and how refunds net into the next payout. Read a Khalti report line by line.
The eSewa Wallet Balance Rule Nobody Reads
Money that "succeeded" on eSewa is wallet balance, not bank balance - and it sits there until you sweep it. Why that idle balance is a risk, and how to never forget to move it.
How to Read Your eSewa Settlement Report (Without the Headache)
Your bank shows one eSewa lump; your dashboard shows dozens of payments. Here is exactly how to decompose an eSewa settlement into the orders and fees inside it.
Refunds & netting
What really happens to a refund on Nepali rails, and why it shows up in next week's settlement.
Reconciliation
Proving that every rupee you earned online actually arrived - across systems that never agree.
Reconciling Cash on Delivery Orders
COD is most of Nepali ecommerce. How to reconcile cash actually collected, decode courier remittances and fees, and handle partial deliveries and returns cleanly.
Abandoned Payments and How to Recover Them
The paid-but-never-returned problem: why redirects drop on Nepali mobile networks, why a redirect is not a confirmation, and how to recover payments through status polling.
How to Catch Duplicate and Double Payments
How double charges and duplicates happen on eSewa, Khalti, and Fonepay, how to detect them by amount, payer, and transaction ID, and how to resolve each type cleanly.
What Is Payment Reconciliation?
Payment reconciliation explained for Nepal: orders vs gateway vs wallet vs bank, the four lists that never agree, why they drift, and what a reconciled day means.
What Is a Daily Close, and Why Prove It?
A daily close reconciles every channel into one proven statement of where each rupee went. What it is, why proven beats recorded, and what belongs in it.
Bank Statement Reconciliation in Nepal
How to parse Nepali bank statements from CSV and PDF, classify settlement credits versus transfers, and match lump credits back to your orders.
Tax & compliance
Bikram Sambat dates, the fiscal year, VAT, and what your accountant needs from reconciled data.
VAT on Digital Payments in Nepal
The 13 percent VAT for digital merchants: what it applies to, compliant invoices and receipts, what accountants need, and where IRD e-billing fits.
Bikram Sambat Financial Year Explained
BS versus AD dates, the Shrawan-to-Ashadh fiscal year, and why reconciliation in Nepal must be Bikram Sambat-aware to file and match correctly.
By business type
Reconciliation playbooks for schools, ISPs, subscriptions and the businesses that get paid online.