Introducing CELLPAY: Your Digital Wallet & Payment Gateway in Nepal

Nepal’s payments landscape is rapidly going digital. In fact, digital wallet usage in Nepal nearly tripled (to about 18.9 million users) between 2020 and 2023, and online transactions for everything from utility bills to shopping are booming. In this fast-changing scene, CELLPAY has arrived as a friendly, all-in-one mobile payment solution. CELLPAY is a fully licensed digital wallet and payment gateway in Nepal that runs on your smartphone. It lets you pay electricity, water (Khanepani), internet, TV, or phone bills; top up your mobile; send money to friends; shop online; and more – all with a few taps. And because it’s regulated by Nepal Rastra Bank (NRB), CELLPAY meets strict PSP safety standards, giving you confidence in every transaction. What is CELLPAY? The CELLPAY mobile app (shown above) is intuitive and bilingual (English/Nepali). Think of CELLPAY as having your bank branch in your pocket: you download the app, complete a simple KYC verification, then link one or more of your Nepali bank accounts. From there you can tap or scan to pay merchants, transfer money to anyone, or pay bills without handling cash or cards. As IBS Intelligence notes, “CellPay is a Nepal Rastra Bank-licensed payment service provider, providing both bank links and wallet facilities from the same app”. In other words, CELLPAY combines bank-account linking and wallet balance in one app, simplifying every digital transaction. The app design is clean and easy, so new users can get started right away. Licensed Payment Service Provider (PSP) in Nepal CELLPAY is an authorized Payment Service Provider (PSP) under Nepal’s financial regulations. By law, any e‑wallet or mobile payment app in Nepal must hold an NRB license. CELLPAY meets those standards – it was reviewed and approved by NRB’s Payment Systems Department. Licensed PSPs must partner with a commercial bank for settlement and keep sufficient funds to cover customer payments. This means every payment you make through CELLPAY is backed by an actual bank account, helping ensure reliability and security. In fact, as of mid-2024 Nepal had 26 licensed PSPs offering digital payment services, reflecting the government’s commitment to a safe, cashless economy. Being one of these licensed providers means CELLPAY is heavily regulated: your money goes through official banking channels, and NRB oversight makes sure the service stays reliable. Core Payment Features – Bills, Top-Ups, Transfers & More CELLPAY brings together all the everyday payment tasks you do – no need for cash or dozens of apps. Key features include: Mobile Top-ups & Bill Payments: Instantly recharge your phone or data pack. Pay your utility bills (electricity, water/Khanepani, internet, cable TV, etc.) right in the app. You can even buy movie or airline tickets online – CELLPAY handles it all like a modern wallet. Instant Bank Transfers: Send money to anyone’s Nepali bank account using just their mobile number. Thanks to Nepal’s real-time payment networks, transfers happen in seconds. It’s perfect for sending cash to family or splitting a bill with friends without visiting a bank. QR & Merchant Payments: Shop in hundreds of thousands of stores that accept QR payments. CELLPAY works with Nepal’s interoperable FonePay/QR network, so you can scan and pay merchants securely. (According to IBS Intelligence, CellPay already supports 200,000+ merchants via QR codes.) Multi-Bank Linking: Connect multiple partner bank accounts to your CELLPAY profile. All transactions – whether mobile top-ups or person-to-person transfers – draw directly from the linked bank account you choose. This “no-wallet-balance” approach means you don’t have to pre-load any money; you simply spend from your own account. Licensed Payment Gateway: For merchants or online services, CELLPAY also functions as a payment gateway in Nepal. As a licensed PSP, it offers businesses a secure online payment partner to receive customer payments. Every transaction is settled through a bank, keeping the process transparent and safe. Local Language Support: The app is available in both Nepali and English, making it easy for anyone to use. (The interface is simple and user-friendly in either language.) Together these features make CELLPAY a convenient one-stop digital wallet Nepal users can rely on. From topping up a phone to paying a utility bill or sending cash to a friend, CELLPAY streamlines the process with just a tap. Security & Trust Security is at the core of CELLPAY. As an NRB-regulated PSP, the app follows strict guidelines: all transactions are executed through a bank settlement account, and Nepali law requires the provider to maintain enough liquidity in that account. In practice, that means your payments can’t exceed the funds on hand, reducing risk. IBS Intelligence explains that payment gateways like CELLPAY are chosen for secure, seamless transactions that mitigate fraud and breaches. CELLPAY uses industry-standard encryption and security best practices to protect your data. Nepal Rastra Bank’s ongoing supervision adds another layer of safety. In short, you can trust CELLPAY as your secure online payment partner in Nepal – it’s built for fast, cashless payments while keeping your money safe. Getting Started with CELLPAY Ready to simplify your payments? Getting started is easy: Download & Register: Find CELLPAY on the Google Play Store or Apple App Store, then install the app. Open it and register with your mobile number. Complete KYC: As required by NRB, verify your identity by uploading a valid ID (usually just once). This is a quick process and keeps the system safe for everyone. Link Your Bank Account: Inside the app, link one of your Nepali bank accounts (or multiple accounts). All your future payments will debit directly from this linked account, so there’s no need to pre-load any balance. Start Transacting: You’re all set! Use the app to top up mobiles, pay bills, send money, or scan QR codes at merchants. Every payment will be fast, digital, and secure. Join thousands of Nepalese who are going cashless with CELLPAY. Sign up today and make CELLPAY your trusted digital wallet and secure online payment partner. Enjoy the convenience of paying bills, topping up phones, and transferring funds – all in one app.