How to Receive Online Payments in Nepal — Online Payment Solutions in Nepal

Receiving payments online in Nepal is what makes freelancing a lot more difficult for us Nepalese. Many freelancers in Nepal are facing difficulty receiving payments from International clients. The main issue here is that most overseas clients use either Credit Cards or PayPal.

PayPal doesn’t work in Nepal and credit card options are available only in Nepali Rupees (for most freelancers).

However, other reliable payment solutions exists, which can be used to receive online payments in Nepal.

Read this post if you are having difficulty finding freelance work online.

Receive Online Payments in Nepal

I have known people using the following methods and they have not had any problem whatsoever. Keep the following points in mind when creating accounts on any of these websites to get payments on time and a reliable service.

• Use your real name which is mentioned on your Nepali government ID or Passport when creating a new account on Payoneer, Xoom, etc…
• When they ask you to verify your accounts, always provide real details. If you hide things, they have a legitimate reason to terminate or block your account.
• Sometimes payment get delayed due to the weekends and holidays. So, there’s no point asking on forums and Facebook groups unless payments get delayed upto a week or 10 days at least.
• Make sure to use as many of these payment methods, so your clients/ work providers have multiple options to pay you.

Now, lets jump on to the payment methods:

1. Wire Transfer

This is a solution if your client has to send a big payment (around a $1000 at least). Because client has to pay an international wire transfer fee which can be between $10 — $100. Different banks charge different international wire transfer fees.

So what do you need to do in order to receive an international wire transfer outside of Nepal?

You need to provide these details to your employer/client:

IBAN Wire Transfer

• Full Name
• IBAN Number
• Bank Name

Swift Wire Transfer

• Full Name:
• Bank Account number
• Swift Code
• Bank Name
• Branch Name
• Branch Code

Note: You may need to call your bank to get swift code, branch code, full branch name, etc…

You will receive payments between 1–5 business days. For Nepal, it might take more time. But don’t worry, you will receive the payment.

2. Payoneer

Well, you can say it is a close alternative to PayPal. However, it is not heavily used by people from western countries but if you have a client you can send him a payment request which he can pay with his/her credit card.

Payoneer support most countries but there are a few countries and some US states from which you can’t receive payment.

The payments can take around a week to get into your bank account. First the payment will be loaded to your Payoneer account. Then you have to add your local Pakistani bank details to receive that payment directly into your account.

Also, you can use their debit Mastercard to withdraw payments immediately through ATM in Nepal.

Learn more about Payoneer and opening your free Payoneer account here.

3. Xoom

You can’t receive business transactions using Xoom because it is a service to only send remittance from the United States.

I wouldn’t recommend Xoom as a regular payment method if you are a freelancer. Because things can go wrong if they find out that you are using it for business purposes rather than collecting remittance from family/friends.

If you want to use it, you have to provide these details:

• Select Bank
• IBAN
• First Name
• Last Name
• Address
• Region
• Province
• Postal Code
• Email
• Phone

4. Western Union

Western Union is probably the oldest among these newcomers. You can easily collect payments sent through Western Union by going to bank and showing your government ID (Nagarikta).

• Sender can directly transfer amount to receiver’s bank account
• You can either ollect cash or cheque from authorized agents of Western Union eg: Various Western Union outlets, Money Transfer companies, Banks etc.
• You can check your nearest Western Union agent by entering your postal code on Western Union website.

Let me know in the comments what other payment options have you used personally and how to make this blog post more informative for freelancers in Nepal.