No More Cash at Delivery. No More Manual Settlements.

1. THE PROBLEM

The old way to paying for deliverues was broken for everyone

You are a business owner or as a merchant in Nepal, you already understand the friction. You pack your product, give it to the delivery agent and the mess starts. The rider is paid cash by your customer. The rider gathers at several stops. They take all the cash to the Pathao office at the end of their shift to settle manually. And somewhere along that chain-- between the time your product goes out of your hands and the time the money finds its way into the hands of Pathao--things get confused.

Cash gets miscounted. Settlement takes time. Your payment is held-up. Riders carry risk. And you, the merchant, have no visibility at all on whether or not your customer has actually paid at all as far as the settlement goes.

The core problem for merchants

Cash-on-delivery makes a vicious circle - your product is lost, your customer has got it and it may take hours or even days to send back the confirmation of payment as a result of having to go through the manual office settlement. This is not a nuisance to a business that has to deliver dozens of parcels every day. It is a problem in the cash flow.

THE OLD PROCESS

Customer pays cash to rider at doorstep
No real-time visibility for merchant at any stage
Settlement processed — merchant waits for confirmation

THE NEW CITYWALLET WAY

Customer scans one QR and pays digitally at doorstep
Payment goes directly to Pathao's account instantly
No end-of-day office settlement required
Merchant gets real-time payment confirmation
Clean, auditable, dispute-free transaction every time

2. HOW IT WORKS

Step-by-Step : How the dynamic QR paymrnt works

The technology behind this feature is elegant in its simplicity. It works in three distinct stages — one action for the rider, one action for the customer, and one automatic settlement to Pathao. Here is every step explained clearly.

1. MERCHANT SIDE

You ship your parcel through Pathao — as normal

Nothing changes on your end. You hand your product to the Pathao rider with the standard parcel label attached. The label carries a unique parcel QR code assigned by Pathao to that specific delivery. Your customer's delivery amount is embedded in this code.

2. RIDER SIDE

The rider scans the parcel QR code in the CityWallet app

When the Pathao rider arrives at your customer's doorstep, they open the CityWallet app and scan the parcel's QR code using the in-app scanner. This is the critical step — the app reads the delivery details, the exact amount owed, and the parcel ID from the label QR code.

3. DYNAMIC QR GENERATOR

CityWallet instantly generates a new, unique dynamic QR for this delivery

This is where the magic happens. After the rider scans the parcel label, CityWallet automatically generates a brand-new, dynamic QR code — unique to this specific delivery, for the exact amount owed, valid only for this transaction. This QR appears on the rider's phone screen and is shown to the customer.

4. CUSTOMER SIDE

The customer scans the dynamic QR and pays — from their bank or CityWallet

The customer uses their preferred payment method to scan the dynamic QR displayed on the rider's phone. They can pay directly from their CityWallet account, or from their linked bank account through the CityWallet app. The correct amount is pre-filled — the customer simply confirms and pays. No cash. No change. No delay.

5. AUTOMATIC SETTLEMENT

Payment goes directly and instantly to Pathao's account — done

The moment the customer confirms payment, the funds are transferred automatically and directly to Pathao's account. No manual cash submission. No end-of-day office visit for the rider. No waiting period for settlement. The entire transaction — from parcel scan to payment confirmation to Pathao receiving funds — is complete before the rider even walks away from the doorstep.

The full cycle — in under 60 seconds

Rider arrives → scans parcel QR in CityWallet → dynamic QR generated → customer scans and pays from CityWallet or bank → payment hits Pathao instantly. What used to take hours of cash management and office settlement now completes in under a minute, at the customer's doorstep.

3. WHY IT MATTERS

What this means for your business — and the entire delivery chain

This is not just a payment feature. It is a fundamental change in how the cash-on-delivery model works in Nepal. The benefits flow in three directions — to you as a merchant, to your customers, and to the riders delivering your products.

For merchants & business owners

Real-time payment confirmation means you know the moment your customer pays — not hours later. Your receivables become predictable. Your cash flow becomes cleaner. And disputes about whether a delivery was paid become a thing of the past, because every transaction is digitally recorded and auditable.

For your customers

Customers no longer need to have exact change ready at the door. They pay instantly, securely, from their phone — from an account they trust. They receive instant confirmation that their payment went through, and there is no risk of cash being lost or disputes about how much was handed over.

For Pathao riders

Riders no longer carry cash across dozens of deliveries. This eliminates the personal risk of holding large sums, removes the burden of end-of-shift office settlements, and makes their day operationally simpler and safer. More deliveries completed per shift, less administrative overhead.

For Pathao as a platform

Instant, automatic settlement means Pathao's accounts are always up to date in real time. No reconciliation delays. No cash handling errors. No manual processing at the office. The financial back-end of every delivery becomes clean, accurate, and audit-ready from the moment of payment.

Why dynamic QR — not a fixed QR?

A fixed QR code can be screenshotted, reused, or manipulated. A dynamic QR is generated fresh for each individual transaction, carries the exact amount for that specific delivery, and expires after one use. This means every payment is tied to exactly one parcel, exactly one amount, and exactly one confirmed transaction — protecting merchants, riders, and customers equally.

4. WHO BENEFITS

This feature is build for the people running Nepal's e-commerce backbone

Online sellers

Selling through Instagram, Facebook, or Daraz? Get instant payment confirmation on every COD order the moment it is delivered.

Small manufacturers

Shipping goods regularly across cities? Replace manual cash reconciliation with automatic, real-time settlement — across every single delivery.

Agricultural businesses

Selling farm produce, herbs, or packaged foods through courier? Get paid the moment your product reaches the buyer — not days later.

What you need to get started

You need an active CityWallet account. Your customers need the CityWallet app installed with a linked bank account or wallet balance. And you ship through Pathao Parcel — which you are likely already doing. That is the entire setup. No hardware. No terminal. No new system to learn on your side.

5. WHAT'S COMING

Patho Parcel is just the beginning — more couries are on the way

CityWallet's integration with Pathao Parcel is the first step in a larger plan. We are actively working to bring this same seamless dynamic QR payment experience to other major courier services operating across Nepal.

The goal is simple: whichever courier service you choose for your business, CityWallet should be able to power instant, cashless payment — without you needing to change how you work or which service you prefer. One payment infrastructure, every courier in Nepal.

As each new courier integration goes live, we will publish a full announcement. If your business uses a specific courier service you would like to see integrated with CityWallet, we want to hear from you — your feedback directly shapes our integration roadmap.

The bigger picture

Nepal's e-commerce and delivery economy is growing rapidly. But cash-on-delivery remains the dominant payment method — not because customers prefer cash, but because digital alternatives were not available at the doorstep. CityWallet's dynamic QR payment system changes that. For the first time, a completely cashless delivery transaction is possible for any business in Nepal using a courier — and it works with the infrastructure that already exists.