This document summarizes eSewa, Nepal's first online payment gateway. It discusses that eSewa allows secure online payments without exposing financial details. eSewa has over 250 merchant partners and 35,000 customers. It is operated by F1Soft International and connects 23 major Nepali banks and financial institutions. eSewa's mission is to provide hassle-free bill payment. It does not charge customers fees for account opening, transfers, or payments. Customers can use eSewa to pay bills, buy tickets, shop online, and send payments. Transactions are secured using SSL encryption and customer financial details are not shared with merchants. eSewa earns commissions from merchants for each

1. Presented By
Anup Acharya
Bandana Aryal
Nilambar Sharma
Pratima Shrestha
Swikriti Shrestha

2.  It’s the safer, easier way and trendy way to
pay online for the transactions done
 Pay without exposing credit card numbers,
bank account numbers, etc to the merchant
 Provides a speed through checkout while
shopping online

3.  Nepal’s First Online Payment Gateway
 Venture of F1Soft International started by few
entrepreneurs
 Currently 23 Major Banks and Financial Institutions of
Nepal in eSewa Network
 Customer base of 35,000
 More than 250 merchant partners

Mission to provide a hassle free bill payment solution to
end users

4.  Yes 
 It is absolutely free for customers
 No charge to open eSewa account
 No extra charge to transfer money from bank
account to esewa account
 No extra cost while paying bills and other
online transactions

5.  Pay utility bills
 Recharge Cards
 Buy Air tickets
 Pay credit card bills
 Subscribe newspapers and magazines
 Payment of ISP fees
 Payment tool for online shopping

6.  Secured by VeriSign SSL Certificate
 eSewa does not access customers’ bank account
directly
 No exposure of Bank details or credit card info to
the merchant
 Secure VPN connection to carryout transaction with
banks
 Instant feedback about status of transaction and
notification through email

7.  Gets cutting from the merchant side giving
zero burden to the customer
 Registration fee from the merchant
 (1-3)% charge from merchant in each
transaction
 Commission may also be flat rate
 Extra charge while transferring money from
eSewa to other banks

8.  Registration form
 Organization details
 Valid bank account
 Commission agreement
 Implementation

9. Case 1:Customer loads Rs.1,000 to eSewa
Customer account at partner bank Dr. 1000
eSewa Payable account at partner bank Cr. 1000
Partner Bank Nostro account at Settlement Bank Dr. 1000
eSewa Main Account at Settlement Bank Cr, 1000
eSewa Customer Account (Virtual Account) Cr. 1000

10. Case 2:Customer Pays Rs.1,000.00 for a merchant listed in
eSewa. (Merchant has a bank account at Partner bank)
Customer eSewa Account(Virtual Account) Dr. 1000
eSewa Main Account at Settlement Bank Dr, 1000
Partner Bank Nostro Account at Settlement Bank Cr. 1000
eSewa payable account at Partner Bank Dr. 1000
Merchant Account at Partner Bank Cr. 1000

11. Thank You