Payment Gateway

A payment gateway is the online equivalent of a POS terminal. When a customer checks out on an e-commerce site, the gateway encrypts the card, wallet or bank account details, sends them to the acquiring bank or payment network, returns the approval or decline to the merchant, and later supports settlement and reconciliation.

Gateways must protect data through encryption, tokenisation, fraud screening and secure authentication such as 3-D Secure or OTP. Merchants usually integrate the gateway into their website or app through APIs or plug-ins.

In Nepal, gateways are offered by licensed PSPs and PSOs and by banks. Examples include wallet checkout options and the connectIPS payment gateway, which lets customers pay merchants directly from their bank accounts. Government agencies, universities, insurers and airlines widely use such gateways for fee and ticket collection. Merchants pay a fee for the service, and refunds and disputes are handled under the gateway's rules and NRB's directives.

पेमेन्ट गेटवे POS टर्मिनलको अनलाइन रूप हो। ग्राहकले ई-कमर्स साइटमा भुक्तानी गर्दा गेटवेले कार्ड, वालेट वा बैंक खाता विवरण इन्क्रिप्ट गरी प्राप्तकर्ता बैंक वा नेटवर्कमा पठाउँछ, स्वीकृति/अस्वीकृति व्यापारीलाई फर्काउँछ र पछि फर्छ्यौट तथा हिसाब मिलानमा सहयोग गर्छ।

इन्क्रिप्सन, टोकनाइजेसन, ठगी जाँच र OTP जस्ता सुरक्षा आवश्यक हुन्छन्। नेपालमा इजाजतप्राप्त PSP, PSO र बैंकले गेटवे सेवा दिन्छन्, जस्तै वालेट चेकआउट र connectIPS पेमेन्ट गेटवे। सरकारी निकाय, विश्वविद्यालय, बिमा कम्पनी र एयरलाइन्सले शुल्क सङ्कलनमा व्यापक प्रयोग गर्छन्।