What is 'Checkout by Fonepay'?
Checkout by Fonepay is an advanced payment gateway solution designed by Fonepay, Nepal's premier Payment System Operator (PSO), licensed by Nepal Rastra Bank (NRB). It is built directly into merchant websites and mobile apps, allowing customers to complete online purchases without leaving the shopping experience.
Unlike traditional digital payment methods that require manually entering card details or waiting for SMS verification codes, Checkout by Fonepay lets consumers pay instantly, straight from their preferred wallet or bank account.
With CityPay now fully onboarded into this ecosystem, users can use their cityPAY account to pay at any Fonepay-enabled merchant platform, quickly, securely, and without any extra steps.
Why Does This Matter for Nepali Shoppers and Businesses?
Nepal's e-commerce and digital payments sector is growing, but cart abandonment, when a buyer adds products to their cart and then leaves without paying, remains one of the biggest challenges for online merchants. The number one reason? A complicated, slow, or confusing checkout process.
Checkout by Fonepay directly solves this problem. And with CityPay now part of this ecosystem, both shoppers and businesses gain a powerful new tool.
Key Benefits of cityPAY's Checkout by Fonepay Service
1. Up to 40% Faster Transactions
By removing redundant steps, re-entering passwords, filling out repetitive payment forms, waiting for SMS OTPs, Checkout by Fonepay reduces average transaction times by up to 40%. What used to take two minutes now takes seconds.
2. Zero App-Switching Hassle
Previously, completing a payment often meant jumping between a shopping website, your banking app, and back again, only to sometimes lose your session entirely. With Checkout by Fonepay, authentication happens in real time within the merchant's own platform. You never leave the checkout page.
3. Reduced Cart Abandonment for Merchants
For Nepal's online businesses and SMEs, every abandoned cart is lost revenue. By offering a streamlined, single-flow checkout option via CityPay and Fonepay, merchants can significantly boost their conversion rates and reduce drop-offs at the most critical moment of the customer journey.
4. Enterprise-Grade Security - Without Slowing You Down
Speed does not come at the cost of safety. Every transaction made through Checkout by Fonepay is fully encrypted and authenticated within CityPay's trusted infrastructure, operating under strict Nepal Rastra Bank (NRB) guidelines and ISO/PCI-DSS security standards. Your money and your data are protected at every step.
5. No Hidden Fees for Shoppers
When you choose Checkout by Fonepay at the checkout screen, there are no additional processing or transaction fees charged to you as the buyer. What you see is what you pay.
How to Use CityPay via Checkout by Fonepay - Step by Step
Using CityPay on any Fonepay-enabled merchant site or app is straightforward. Here is the complete process:
- Shop Online: Browse and add your desired items to your cart on any participating merchant website or mobile app.
- Select Payment Gateway: At the checkout screen, choose Checkout by Fonepay as your payment method.
- Choose cityPAY: From the list of supported wallets and banks, select cityPAY.
- Authorise Payment: Confirm the payment securely using your CityPay credentials, no OTP waiting required.
- Purchase Complete: Receive instant on-screen payment confirmation. Done.
That is the entire process. No extra apps to open. No SMS codes to wait for. No page reloads.
What This Means for Nepal's Digital Economy
Nepal's journey toward a fully cashless economy depends on two things: interoperability (different platforms working together seamlessly) and user experience (making digital payments easier than using cash).
CityPay's commencement of Checkout by Fonepay addresses both. It connects CityPay's growing user base directly to Nepal's largest merchant payment network, creating a unified digital payments experience that benefits every participant in the ecosystem.
For consumers: faster purchases, no friction, no unnecessary steps.
For merchants: higher conversion rates, lower abandonment, more completed transactions.
For Nepal's digital economy: one more step toward a truly cashless, inclusive financial system.
Who is cityPAY?
cityPAY, operated by City Wallet Pvt. Ltd., is an NRB-licensed digital payment service provider in Nepal. cityPay offers a full range of digital financial services, including instant remittance payout via City Express, utility bill payments (NEA, Khanepani, NTC, Ncell), Fonepay QR merchant payments, free bank loading, travel booking, cashback rewards, and now, seamless Checkout by Fonepay on merchant platforms.
cityPAY is fully regulated by Nepal Rastra Bank, operates under ISO/PCI-DSS security standards, and is connected to Nepal's leading commercial banks and payment networks.
Frequently Asked Questions - Checkout by Fonepay with cityPAY
Q: Which merchants support Checkout by Fonepay?
A: Any merchant website or app that is integrated with the Fonepay payment gateway supports Checkout by Fonepay. The network of supported merchants continues to grow across Nepal's e-commerce ecosystem.
Q: Do I need a separate account to use Checkout by Fonepay?
A: No. If you already have a cityPAY account, you can use it directly at any Fonepay checkout. No additional registration is required.
Q: Is Checkout by Fonepay safe?
A: Yes. All transactions are protected by bank-grade encryption and processed under Nepal Rastra Bank's regulatory guidelines and ISO/PCI-DSS international security standards.
Q: Are there any extra charges when I use cityPAY at a Fonepay checkout?
A: No. Shoppers are not charged any additional fees for using Checkout by Fonepay with cityPAY.
Q: How do I get started with cityPAY?
A: Download the cityPAY app from the Google Play Store or Apple App Store, register with your Nepal mobile number, complete KYC verification using your citizenship certificate, and your account is ready. Visit citywallet.com.np for more information.
cityPAY is an NRB-licensed digital wallet operated by City Wallet Pvt. Ltd., Bank Road, Kamaladi-1, Kathmandu, Nepal. For support, visit citywallet.com.np.
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