nPay is a payment service provider who operate a powerful payment gateway to perform secure electronic payment processing. We are specialized in providing reliable and robust solution to e-commerce and mobile commerce. We offer a comprehensive yet simple suite of products and services.
SCT nPay is a new and innovative service launched by nPay in collaboration with SCT, Nepal’s no. 1 and widely used ATM and Merchant Network, for its card holders to do online payment transactions.
SCT nPay allows merchants/sellers to accept online payment for their services through SCT cards. After signing a Merchant Agreement with nPay, you will need to integrate your website with our gateway. After your customers checkout from your website, they enter Card Number and PIN on nPay secure payment page. When the payment is completed, we will send you an email notification to your registered email address.
Merchant Agreement is an agreement between you and nPay. In the agreement, the terms and conditions on doing business and payment process as well as commission and fee charges are defined and agreed upon by both your establishment and nPay.
Market is becoming global. With brick and mortar stores, you have access to only certain number of customers within the particular geographic location where your store is. After becoming online merchant, virtually, your outlet is everywhere around the globe, in everyone’s desktops, homes, offices and pockets. There is minimum cost to establish online store compared to huge investment in brick and mortar stores. You will be saving on Rent, electricity, staff overhead. Making it possible to reduce the cost of your merchandise so that you can increase your sales/turnover and attract customers to buy from you rather than going to physical stores.
Your business must be registered under the laws of Nepal and your registration must be valid. We encourage business primarily focusing on Online Stores.
First, you need to register with nPay by submitting application. Once we receive your application, our back-office team will review your website and documents and start processing. While reviewing, our team will look at your products and services, checkout process and your policies. After approval and your site is up and running, you are ready to sell your products and services with nPay.
nPay supports physical/electronic goods and services which are not prohibited/restricted by government rules and regulations.
SCT nPay accepts only SCT cards. nPay will inform its merchants as and when nPay is ready to process other payment modes.
SCT nPay supports only Nepalese Rupees (NRs) at the moment.
nPay provides detailed sales report through its merchant portal. It can be exported to different format as PDF, Excel etc. nPay will not provide full PAN (card number) to the merchants to maintain card holder security.
nPay merchant portal lets you change portal password, your API password, signature ID and various other personal information.
nPay merchant portal does not allow you to change company name which is registered to us. We will not allow you to change other vital information that we require for merchant approval, monitoring and other legal requirements.
SCT nPay have following security features:
- Customer enters their PIN code via PIN PAD (key press is not accepted).
- PIN PAD numbers are always displayed in random order. This will avoid key log and shoulder surfing activities.
- Card information are not stored in our gateway.
- Customer must do payment within 120 seconds for timer security. After that customers will be forwarded to error page with session timeout message.
SCT nPay gateway is hosted in one of the highly secured data center with 256 bit SSL Encryption certificate.
Merchant must commit timely and confirmed delivery. Failing to meet the commitment may attract possible legal action by nPay and the associated payment systems. nPay holds the right to black list the merchant with all the information related to the merchant who differs the agreement or involved in fraudulent activities. nPay holds the right to blacklist such establishments with any legal entities in and outside the country if required.
nPay is dedicated to establish a trend in online business and to promote it. nPay will help you in any possible ways to design and in thinking innovation on the online business. nPay has highly skilled web programmers and designers to build your online ecommerce enabled store. We can help you to establish your online presence from registering your domain name to designing your store front and to promote your page.