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Before you can accept real payments, add your merchant credentials to your project in the dashboard. PayBridgeNP uses these to initiate and verify payments on your behalf - money always lands directly in your own provider account.
eSewa and Khalti need no credentials for sandbox testing. Built-in test credentials are used automatically.Fonepay is the exception: it has no test environment, so sandbox-mode Fonepay uses your own real merchant credentials and moves real money (capped at NPR 1,000 per payment and NPR 5,000 per month). See Sandbox Testing.

eSewa

eSewaWallet checkout with built-in sandbox credentials.

Khalti

KhaltiWallet, bank, and card options through Khalti checkout.

Fonepay

FonepayDynamic QR paid from Fonepay-connected bank apps.

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What buyers can pay with

Each provider gives buyers different ways to pay inside its own checkout. Through Khalti, buyers can pay from their Khalti wallet, mobile banking or e-banking of partner banks, or a card. Through eSewa, buyers pay from their eSewa wallet. Through Fonepay, buyers scan the QR from any Fonepay-network bank app, no separate account needed.

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eSewa

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Get your credentials

  1. Log in to your eSewa merchant account at merchant.esewa.com.np
  2. Go to Profile → Merchant Code - this is your merchantCode
  3. Go to Settings → Payment Integration to find your secretKey

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Add to dashboard

  1. Go to Providers in the dashboard
  2. Click Configure next to eSewa
  3. Enter your Merchant Code and Secret Key
  4. Click Save and toggle the provider on

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Khalti

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Get your credentials

  1. Log in to admin.khalti.com
  2. Go to API Keys
  3. Copy your Secret Key (starts with live_secret_key_)
Use keys from admin.khalti.com (live), not test-admin.khalti.com (sandbox). Live keys start with live_secret_key_.

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Add to dashboard

  1. Go to Providers in the dashboard
  2. Click Configure next to Khalti
  3. Enter your Secret Key
  4. Click Save and toggle the provider on

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Fonepay

Fonepay uses Dynamic QR - customers scan a QR code with their Fonepay-connected banking app to pay. No redirect, no form; the payment is confirmed via WebSocket in real time.

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Get your credentials

Fonepay does not issue separate API keys. PayBridgeNP signs in to your Fonepay merchant account with the same username and password you use yourself:
  1. Have your Fonepay merchant login ready.
  2. Use the username and password that sign you in. PayBridgeNP detects the account connection and remembers it for your project.
PayBridgeNP cannot sign in for you if Fonepay requires a one-time code at every login, or if Fonepay is asking you to set a new password. Complete that step with Fonepay first, then save the new password here.
Provider credentials are encrypted at rest and used only for provider requests for your project. Rotate them immediately if you suspect they were exposed.

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Add to dashboard

  1. Go to Providers in the dashboard
  2. Click Configure next to Fonepay
  3. Enter your Fonepay Username (phone number) and Fonepay Password
  4. Click Save and toggle the provider on
Some Fonepay refunds require a one-time confirmation outside PayBridgeNP. Those refunds are recorded as requires_action; follow the provider instructions and mark them complete under Refunds.

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Verifying your setup

After adding credentials:
  1. Use your live API key (sk_live_...) in your server
  2. Create a checkout session for a small amount (NPR 10, the minimum)
  3. Complete the payment using your own account on that provider
  4. Confirm the payment appears in your provider’s merchant dashboard
If the payment succeeds end-to-end, your setup is correct.

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Security

Provider credentials are encrypted at rest and are not returned by the public API. You can replace them at any time from the Providers page.

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Tracking provider fees

Once your providers are configured, PayBridgeNP records the fee each provider charges on every successful payment, broken down per provider on your dashboard. eSewa requires you to set your negotiated rate; Khalti and Fonepay are automatic. See Provider Fees for the details.