eSewa vs Khalti vs ConnectIPS: Which is Best for Subscription Payments?
If you're setting up subscription billing for your Nepali business, one of the first questions you'll face is: which payment gateway should your customers use? Nepal now has three major digital payment options — eSewa, Khalti, and ConnectIPS — and each has its own characteristics, user base, and fee structure.
The short answer: you should accept all three. But understanding the differences helps you know what to expect from each.
A quick overview of each gateway
eSewa
eSewa is Nepal's most widely used digital wallet, with a large user base particularly among urban consumers and younger demographics. Most of your customers are likely to have an eSewa account. The checkout experience is fast and familiar — making it the highest-reach option for most subscription businesses.
Khalti
Khalti has a smaller but growing user base compared to eSewa, and is particularly strong among younger, digitally native users in Kathmandu and other major cities. Many subscribers who use Khalti as their primary wallet won't have eSewa loaded — so accepting Khalti captures an audience you'd otherwise miss.
ConnectIPS
ConnectIPS connects directly to bank accounts rather than wallets, making it the preferred option for customers who don't use mobile wallets but do have a bank account with internet banking enabled. It tends to be popular with older or more financially traditional customers, and is a strong option for higher-value subscription amounts.
Which one should you prioritize?
The practical answer is: support all three and let your subscribers choose. Different customers have different preferences, and limiting your payment options creates unnecessary friction at checkout. A subscriber who only uses Khalti will hesitate if you only accept eSewa.
This is exactly the approach SUQO takes. When a subscriber opens your payment link, they can choose from eSewa, Khalti, or ConnectIPS. You don't need to set up separate merchant accounts with each provider — SUQO handles all three through a single integration. On your side, everything is tracked in one dashboard regardless of which gateway the customer used.
Cash and bank transfers
For subscribers who prefer paying cash or making direct bank transfers, SUQO also lets you record these payments manually in your dashboard. This keeps all your subscriber records and billing history in one place, even for offline payments.
Accept all three — no setup hassle
SUQO integrates eSewa, Khalti, and ConnectIPS for you. One platform, all payment methods, zero technical setup.
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