Esewa Vs Khalti Digital Wallet – Everything You Need to Know

The rise in know-how has brought a lot of the constructive modifications in Nepal and with the introduction of digital pockets for cashless cost, it has taken a step ahead in making of Digital Nepal.

Digital Wallet is like a physical wallet that you simply maintain in your pocket with physical cash, but you don’t have to carry the burden of protecting physical cash in a digital wallet as it is a digital pockets or may be referred to as an digital pockets.

Within the digital wallet, your cash is on the web and can be utilized to pay, send and receive cash instantly on just one faucet. A lot of the digital wallets are available on all the platforms like Android, iOS, net, and so forth, so you possibly can carry only your cellular as an alternative of a carrying both cellular and physical pockets.

We all may need heard about these two widespread rival digital wallets of Nepal; eSewa and Khalti. But have you learnt which one is greatest? Right here is every part that you simply want to find out about each digital wallets and to select which may go well with greatest on your wants.

Why is digital Wallet so necessary?

Digital Wallet is a new approach of the transaction. We quickly can be forgetting that how our foreign money notice seems like. Digital Wallet has turn into a brand new approach to send and receive cash, pay bills, and offered many extra providers. It offers clear, protected and convenient transactions on only a single faucet.

Digital Wallet may also be thought-about environment-friendly medium for financial providers because it reduces using paper cash and saves a lot of money from a rustic like Nepal, for printing new paper money annually. The providers these digital wallets provide are helping hundreds of shopper for easier, convenient and protected transaction which may take hours to perform.

Using digital wallets ought to be inspired in Authorities workplaces as it supplies clear transactions. A lot of the semi-governmental group like Nepal Telecom, Khanepani Sansthan, Nepal Electrical energy Authority has been offering invoice cost providers by means of these digital wallets.

Digital Wallet is popping up know-how everywhere in the world as a cashless medium for the transaction and people who are know-how lovers will definitely want to be a part of these revolutionary digital technologies.

These wallets can be used for utility bill cost, internet cost, ticket bookings, online buying, faculty’s charge cost, and lots of extra. There are lots of profit digital wallets present, as the emerging know-how in Nepal, these digital wallets suppliers are doing there greatest to stay at the prime in providing higher providers.

What’s eSewa?

eSewa, the very first cost gateway of Nepal, developed by f1soft, is among the most popular digital wallets in Nepal.

It was began in 2009 for providing online cost providers by means of a cellular software and net providers. eSewa has offered providers like utility invoice cost (electricity invoice, consuming water invoice, telephone payments, and so forth), cellular top-up (cellular recharge), internet invoice cost, EMI cost, films, airways and bus ticket booking, faculty fees cost, credit card bills cost, and so forth.

The company f1soft is likely one of the most famous cellular software developer firm in Nepal for banks. More than 90% of the financial institutions of Nepal have carried out providers offered by the f1soft firm which includes SMS banking, Cellular banking (cellular apps for banks) and Internet banking.

eSewa has been licensed by Nepal Rastra Bank (NRB) as authorized cost service provider. So it’s one of the crucial trusted cost service suppliers in Nepal.

It’s straightforward to create an eSewa account and register which needs a cell phone number. One can instantly cash-in their eSewa pockets account from eSewa Agents or from companion banks of eSewa after registration. After that, they will easily perform the transaction on the go.

The eSewa software is on the market on Google’s Play store for Android and Apple’s app store for iOS. And in addition can be used by means of its main net portal on the internet.

The plus point of eSewa is, it can be used without web via its cellular software with the assistance of SMS service in an offline mode.

What’s Khalti?

Khalti has just lately launched cost service provider of Nepal. Began in 2017, it has develop into one of the largest rivals to eSewa, the oldest cost service supplier.

It’s developed by Sparrow Pay Personal Limited company with better Consumer Interface (UI) than other cost service provider.

Sparrow Pay firm is part of Janaki Know-how Personal Limited which is a tech company in Nepal. Janaki Know-how firm can also be one of the main SMS VAS service suppliers with the company identify Sparrow SMS.

Khalti has additionally received a license as legal cost service provider of Nepal from Nepal Rastra Financial institution (NRB). So, additionally it is a trusted cost service provider from a trusted firm.

Registering on Khalti is simpler and in addition supplies some bonus for the pre-existing consumer, in the event that they invite new customers. It also offers a bonus on filling KYC type to its consumer which can also be a better facet on Khalti to improve transparent transaction as required by NRB.

One can simply top-up Khalti pockets from companion banks and agents. The money can be used to pay utility bills (electricity payments, phone bills, consuming water payments), web payments, insurance coverage cost, flight and film tickets, TV bills, lodge reserving, recharge playing cards and cellular top-up, and so forth. It has partnered with OYO for lodge bookings in Nepal. It has additionally a function of scan and pay using QR code.

Khalti is the fastest rising cost service provider firm and in addition has been acknowledged internationally and has gained the Google Business Group’s (GBG) 2017 ‘Story Search’ Contest. It was also declared the Individuals’s Selection Winner.

The Khalti cellular software has more consumer engagement as it offers new provides and schemes. It has also began Khalti Quiz in its cellular software which can also be participated by hundreds of customers day by day. Khalti Quiz winners are chosen on a lucky draw as day by day Quiz winners and consumer with prime points for an exciting prize as a month-to-month winner.

What is the distinction between eSewa and Khalti?

Digital Wallet

Right here is the difference between eSewa and Khalti:

eSewa is the oldest and most trusted cost service supplier of Nepal whereas Khalti is just a yr previous in cost service provider enterprise. eSewa has an enormous number of customers and agents whereas Khalti is simply starting its agents everywhere in the nation nevertheless it has a excessive price of engagement with customers.

Many well-liked schemes are offered by Khalti like KYC verification bonus, Khalti Quiz, redeem the coupon, and so on. eSewa is already has been fashionable without provides however it has additionally started to provide a bonus on sharing about it on social media which is much less exciting to its customers as compared to Khalti.

eSewa has 500,000+ customers and Khalti has 100,000+ users in Google play retailer.

Here is the comparison between these two wallets:

eSewaKhaltiStarted20092017Developed byf1softSparrow Pay Pvt LtdWebsiteeSewa dot com dot npKhalti dot comCellular AppOut there both for Android and iOSObtainable each for Android and iOSApp Downloaded on Play Retailer500,000+100,000+Affiliate banks40+40+Scan and PayNoYesOffline PayYesNoLicensedYes from Nepal Rastra Financial institution as Cost Service SupplierSure from Nepal Rastra Bank as Cost Service SupplierRefer and EarnNoSureCoupon and Redeem presentsSureYesCustomers and AgentsMoreMuch lessSafetySecureSafeRegistrationFreeFree

Listed here are the providers at present provided by each eSewa and Khalti Apps to their customers:

Cellular Prime-Up and Recharge CardsYes;

NT CDMA, NTC, Ncell, SmartCell, NT Postpaid, UTL


NTC, Ncell, SmartCell, NT Postpaid, NT CDMA

Landline InvoiceYesSure
TV InvoiceYes;

Dish Residence, Mero TV, SimTV, NetTV, Worldlink NetTV


Dish House, SimTV, NetTV, Mero TV

Internet InvoiceYes;

ADSL, Subisu, Worldlink, Broadlink, Vianet, Internet Max Know-how, HONS, Intel Communication, Websurfer, Basic Tech


ADSL, Subisu, Worldlink,Vianet

Insurance coverage CostSure;

Himalayan Basic Insurance, Neco insurance coverage, Premier, Prudential, Sagarmatha, Siddhartha Insurance


Neco Insurance

Movie TicketsYes;

QFX Cinemas (Kathmandu, Pokhara,Jalma)

FCube Cinemas (Kathmandu)

Q’s Cinemas (Kathmandu)

BSR films


VIEW Cinemas


BSR Films (Kathmandu), FCube Cinemas (Kathmandu)

Mid City Galleria (Pokhara)

Qs Cinemas (Kathmandu)

Flight TicketsFrom 15 Places;

Buddha Airlines

Shree Airlines

Simrik Airlines

Yeti Airways

From 13 Places;

Buddha Airlines

Yeti Airlines

Shree Airways

Simrik Airlines

Lodge BookingsNoFor Kathmandu and Pokhara Solely; Partnered with Oyo
Khanepani Invoice18 counters13 counters
Electricity Invoice 115+ counters from Mechi to Mahakali130+ counters from Mechi to Mahakali
Different providersFaculty charges, School fees, Montessori charges, Credit Card Cost, EMI and Finance, Esewapasal, online buying, food and hospitality, bus sewa, sim registration, and so onMidas Cost, Kaspersky Antivirus Cost


Definitely, there’s number of providers provided by eSewa being an previous supplier and has been in a position to set up itself as a brand identify. Whereas, Khalti is a rising identify with extra prospects of offering more providers as it has proved it by providing and reaching the peak of success inside a brief interval of time being a troublesome competitor to eSewa.

There are other digital wallets in Nepal like Khutruke, iPay, QPay, and so on, however they couldn’t grow to be as much as well-liked as eSewa and Khalti due to, lack of branding, poor customer service, trust, and security points in those digital wallets.

eSewa and Khalti are each from trusted corporations which have been in Nepali marketplace for greater than half-decade long with their common public providers via their different sister corporations. Each eSewa and Khalti has greatest customer service.

Due to rise in reputation of Khalti, there has been began a wholesome competitors between these two cost service provider which resulted in additional new providers from each digital wallets and will certainly convey many extra in upcoming occasions.

This may be taken an nearly as good facet of entry of rival, Khalti, to a pre-existing dominant firm, eSewa, as they may do their greatest to stay on prime in offering higher service to their shoppers.

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