National Payments InterfaceNPI

Before NPI, each payment system had its own integration method, so banks, wallets, billers and fintech firms had to build separate connections. NPI consolidates access through a standard set of application programming interfaces (APIs).

Through NPI, authorised participants can initiate account-to-account transfers, validate account details, collect payments, connect wallets to bank accounts and integrate payments into their own apps and business systems. This supports services such as bank-to-wallet and wallet-to-bank transfers, bill collection and the building of new fintech products on national infrastructure.

The approach reflects the broader trend toward open banking and API-based payments, where secure, standardised interfaces let regulated institutions and their partners create services quickly while the underlying clearing and settlement continue to run through NCHL and NRB's RTGS. Access is controlled through participation agreements, security requirements and NRB's oversight of payment systems.

NPI अघि प्रत्येक भुक्तानी प्रणालीको छुट्टै जोडिने तरिका थियो, त्यसैले बैंक, वालेट, बिलर र फिनटेकले छुट्टाछुट्टै सम्पर्क बनाउनुपर्थ्यो। NPI ले मानक API मार्फत पहुँच एकीकृत गर्छ।

NPI बाट अधिकृत सहभागीले खाताबाट खातामा रकमान्तर, खाता विवरण प्रमाणीकरण, भुक्तानी सङ्कलन, वालेटलाई बैंक खातासँग जोड्ने र आफ्नै एप तथा प्रणालीमा भुक्तानी समावेश गर्न सक्छन्। यो खुला बैंकिङ र API मा आधारित भुक्तानीको प्रवृत्ति अनुरूप छ, जबकि क्लियरिङ र फर्छ्यौट नेपाल क्लियरिङ हाउस र नेपाल राष्ट्र बैंकको RTGS मार्फत नै हुन्छ।