Frequently Asked Questions

Fonepay Direct is a service offered by Fonepay that enables a mobile banking user to conveniently transfer funds from their own bank account to a chosen recipient's bank account, regardless of whether the two accounts are held at the same bank or different banks.

Step 1: Login to your mobile banking app.

Step 2: Navigate to the "send money" section & tap on “Fund transfer”.

Step 3: Choose the option of sending money either from the same bank or a different bank.

Step 4: Enter the necessary details.

Step 5: Check the details and tap on “confirm”.

There are three ways of sending money using Fonepay Direct.

1. You can send the money by entering the recipient’s mobile number.
2. You can send the money by entering the recipient’s bank account number.
3. You also have the choice to send the money by scanning the recipient's personal QR code associated with their account.

Fonepay Direct ensures a high level of security for your transactions. The service utilizes encryption and advanced security measures to protect your financial information and prevent unauthorized access.

It does involve fees. For each transaction, a charge of Rs 10 is applicable, but only when the sender's bank differs from the recipient's bank. Notably, if both the sender's and recipient's bank accounts belong to the same bank, there is no fee associated with this service.

Fonepay Direct does not offer a Fonepay Points like Fonepay QR.

Fonepay Direct is accessible through 64 BFIs (Banking & Financial Institutions) including digital wallets of Nepal.

In case you come across any problems with Fonepay Direct, reach out to your respective bank.

Fonepay Bills is one of the services of Fonepay through which customers can directly pay their bills for Electricity, Water, TV, Internet, EMI, Government Revenue, Education, Airlines, and more with just a few taps.

1. Login to your mobile banking app.
2. Navigate ‘Payments’ section and locate ‘Fonepay Bills’.
3. Tap “Domestic Flights” or “International Flight”.
4. Choose “Airlines” & “Flight time”.
5. Fill the necessary details.
6. Check the details and proceed for “Payment”.

1. Login to your mobile banking app.
2. Navigate ‘Payments’ section and locate ‘Fonepay Bills’.
3. Tap “Electricity” service.
4. Fill your information of “NEA Counter”, “SC Number/ID” & proceed to “Inquiry”.
5. Check the details and proceed for “Payment”.

1. Login to your mobile banking app.
2. Navigate ‘Payments’ section and locate ‘Fonepay Bills’.
3. Tap “Internet” service.
4. Select your ISP service.
5. Enter your username and select your package.
6. Check the details and confirm “Payment”.

Fonepay App is an upgrade to the previous Fonepay Offer App with the most awaited Payment Feature. With this app, users can link their bank accounts and wallets and transfer funds to contacts and make payments at various merchants by scanning QR codes or by Fonepay Tap and Go (FoneTAG). It also features other features like earning rewards as you spend, get informed about exclusive offers and redeem at the available merchants.

You can log in to Fonepay App by simply creating an account or signing up with previously made account. Once you log in, you can see your profile with the “Fonepay Points” you have received so far in the app.

Bank Link or Account Link is a feature that connects your bank accounts and wallets to Fonepay App. You can link multiple accounts and wallets in your Fonepay App. You can access any linked accounts and make payments and fund transfers from any desired accounts.

1. Download and sign in on the Fonepay App.
2. On the home screen, tap “Link Your Accounts”. You will be provided with the list of Banks or Wallets to choose from.
3. Tap on your desired bank/ wallets and input your account details.
4. You will be directed towards the Mobile Banking App of the bank or Wallet Apps.
5. Log in with your account details and enter OTP.
6. The desired account shall be linked.

There can be various reasons for unsuccessful Account Links. While linking your account or wallet, please make sure:

1. Your Registered Mobile Number at Wallet or Bank is SAME as registered in Fonepay App.
2. Your registered Full Name at Wallet or Bank is SAME as registered in Fonepay App.

You can link multiple bank accounts and wallets in your Fonepay App. However, you need to make sure that the registered number in all the accounts is SAME as the number registered in your Fonepay App.

Having the same registered mobile number is a MUST for account link. The mobile number registered in Fonepay App, and mobile banking app of all your banks must be the same. You may contact your bank branch to change your registered number for the mobile banking app.

There are no charges for creating Fonepay App Account and linking your bank accounts or wallets. But charges for fund transfers and transactions are levied as per prevailing Fonepay Rules and Regulations.

Fonepay App can only act as a platform. Hence your linked banks accounts and wallets are completely secure.

You can make payments of up to NPR. 2,00,000 (QR and IBFT Combined) per linked bank account on a daily basis.

You can see the payment statements in the Fonepay App. Look for “Statements” and tap to get complete details of your payments initiated from the app.

If you unlink your bank account, then your statements will be lost. However, once you re-link the same account, you can access your statements.

You will earn your Fonepay Points by making payments from Fonepay App, be it online or offline.

Currently there are no features of HUB Payments in Fonepay App. Stay tuned for upgrades.

FoneTAG is an offline payment solution that enables customers to make merchant payments by presenting NFC tag or a CPQR code (customer presented QR code) from mobile banking app even in areas with limited or no internet connectivity.

Offline Token is a one-time authorization token generated to enable offline payments. With issuance of this token, you can start making offline payments.

To enable offline payments,

1. Go to Home Page or “Accounts” Page and Tap in “Offline Payments”
2. Select your preferred Linked Bank Account
3. Tap on “Activate”
4. Enter the OTP you have received in your phone
5. Offline Payment is now enabled.

After enabling offline payment, Log out from your account.

1. On your Login Page, tap “Offline Payment”
2. Select either of the options – FoneTAG or Customer Presented QR to make offline payment
3. If your mobile phone supports NFC Technology, then tap “FoneTAG” and place your phone at the Merchant Terminal. The merchant will receive the payment.
4. If your mobile phone does not support NFC Technology, then tap “Generate QR” and ask your merchant to scan your QR Code. Your payment will be successful.

With NFC tag, you can make offline payments at various NFC enabled Merchant Terminals with just one TAP. This feature requires enabling NFC and Contactless Payments in your phone. Look out for NFC symbols at the terminals.

Customer Presented QR is an alternative to NFC and an option for offline payments, if your phone does not support NFC and Contactless Payments. You can show this QR to Merchants, who can scan and receive payments on your behalf.

Yes, since it uses time-based tokenization and encryption modules during payments, these offline payments are safe. For offline payments, you can make payments up to Rs. 5000 per transaction.

Since it is a new technology, only selected merchants accept Offline Payments. Look out for NFC Symbols or ask the cashier to know the availability of Offline Payments from Fonepay App.

Fonepay Business app is an app designed for Fonepay merchants to handle all of their business payments. This app allows merchants to request payment from customers, view payment details, initiate refunds, receive payments through FoneTAG and customer presented QR, view their statements and perform activities with many other useful features.

To login into the Fonepay Business app, you need to first register yourself as a Fonepay merchant. After getting the login credentials, you can now login to Fonepay Business app.

Step 1: Find “Register” option at login dashboard. 

Step 2: Enter your mobile number to register account on Fonepay. 

Step 3: Enter the OTP code. 

Step 4: Set the password. 

Step 5: Enter your banking details to unlock QR.

Step 1: Tap on “Forgot” option that you can see at the bottom side of the username.

Step 2: Enter your company’s PAN number.

Step 3: Select either Mobile number or Email to receive the new username.

Step 1: Tap on “Forgot Password?” option.  

Step 2: Enter your valid username.  

Step 3: Choose an option of SMS or Email to receive the OTP Code. 

Step 4: Enter OTP code.  

Step 5: Enter New password, confirm and reset it.

Step 1: Find the refund option inside payment setting.  

Step 2: Select the payment status. 

Step 3: Fill transaction ID and Session number of the transaction. 

Step 4: Select either “Full refund” or “Partial refund”. 

Step 5: Initiate Refund.

Step 1: Find “Receive Payment” option at the home screen.

Step 2: Select the desired option of payment collection.

Step 3: Enter particular amount and remarks.

Step 4: Generate the QR.

You can find the snapshot of payment received and settled at the home screen itself.

Yes, you can download your payment statements from the app. Find the “Statements” inside the payment settings.

Yes. You can custom the date range up to 7 days and download the payment statements.

Two-factor authentication (2FA) is a security process in which a user is required to provide two forms of identification in order to access a system or service. The two forms of identification are typically something the user knows (such as a password), and something the user has (such as a security token or a code sent to a mobile phone).

The purpose of 2FA is to provide an additional layer of security beyond just a password, making it more difficult for an unauthorized person to access the system or service.

Step 1: Find “Security” option at Account setting  

Step 2: Click “Two Factor Authentication” and select either “SMS” or “TOTP” 

Step 3: For “Two Factor Authentication”, enter your mobile number to receive the OTP.  

Step 4: Verify and proceed.

OTP: An OTP is a password that is valid for only one login session or transaction, on a computer system or other digital device. This password is generated by a secure server or a specialized hardware token, and is sent to the user via SMS or email.

TOTP: This password is generated by a software token, such as a mobile app, that is installed on the user's device. The software token uses the current time to calculate the TOTP and displays it on the user's device.

No. There is not any fees or charges involved to get enrolled in this app. The app is available free at play store.

No. You cannot use the same credentials for another business. Your accounts are unique to your business.

No, to receive offline payments from your customers, you as a merchant need to be online either through Fonepay Certified POS Devices or Fonepay Business App. Only Customers can be offline during payments.

There are two ways to receive offline payments – NFC Based FoneTAG and QR Based Customer Presented QR.

FoneTAG means Fonepay Tap & Go. This is an offline feature to receive the payment from your customer through your business app and POS device by using Near Field Communication Channel.

You can receive payment from your customer through this app if your smartphone supports NFC (Near Field Communication) technology.  

Step 1: Log in to your app, select ‘receive payment’ option from home screen.

Step 2: It shows you the FoneTAG option (If your smartphone has NFC technology) 

Step 3: Ask your customer to select FoneTAG option from Offline Features available at Fonepay App.  

Step 4: Click on FoneTAG option from your business app.  

Step 5: Place your smartphone near the smartphone of customer. 

Customer Presented QR is an alternative to FoneTAG and an option for offline payments, if your customer’s phone or your device does not support NFC and Contactless Payments.

Step 1: Ask your customer to show their QR that they have activated from Fonepay app.

Step 2: Select ‘Receive Payment’ option from your business app after log in.

Step 3: Find ‘Scan Customer’s QR code’ option and select it.

Step 4: Enter the amount.

Step 5: Scan Customer’s QR to receive the amount.

To enable Offline Payments - FoneTAG or Customer Presented QR in your business, please contact and request your bank. These offline payments can be enabled in your Fonepay Certified POS Devices or Fonepay Business App.

Yes, you can scan CPQR through your Fonepay Certified POS device. Make sure to enable this feature in your device by contacting your bank.

Yes, there is a transaction limit worth Rs 5000 (per transaction) to receive payment through CPQR and FoneTAG feature.

A Fonepay Credit Card is a digital version of a traditional credit card, instantly issued and stored on your mobile device. It allows you to make secure online and in-store payments within Nepal.

You can easily apply for a Fonepay Credit Card through your Mobile Banking app. Just follow the following steps:

1. Log in to your Mobile Banking App
2. Click Apply Now
3. Click Get Now
4. Read the Terms and Conditions
5. Set your Credit Liimit, Payment Amount & Payment Date
6. Verify your Details and Confirm
7. Enter you PIN
8. Enable Fonepay Credit Card as your default payment method
9. Your card will be ready within seconds. 

*Only available in Citizens Bank International

With a Fonepay Credit Card, you get instant access, the ability to pay at millions of Fonepay merchants, real-time spending tracking, up to 45 days of interest-free credit, and flexible repayment options—all from your mobile device.

Issuer Bank is a bank in which cardholder has his/her account and holds Fonepay card issued by the Bank.