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Khalti Digital Wallet: Worth Using It ?

The rival of market leader eSewa, Khalti can be a good alternative

Who doesn’t carry a smartphone these days? There are barely some people who do not carry smartphones these days. Well, there are a lot of things that can be done with the smartphone that are making our lives easier. One of the major use of the smartphone is, it can replace a wallet or transform into a digital wallet.

Khalti can be a solution for transforming your physical wallet into the virtual or electronic wallet. Being a rival for the biggest market leader in online payment gateway of Nepal eSewa, Khalti is coming up aggressively. However there are not as many options as in eSewa, they are adding services day by day. And the day is not too far for this app to become the most popular digital payment platform in Nepal.

What can we do with Khalti App

  • Pay Electricity Bills (Bijuli bills) without visiting NEA counters
  • Mobile Balance TopUp that includes NTC, Ncell, and SmartCell
  • Airline Tickets of most of the domestic airlines of the country
  • Pay bills of ISPs and DishHome
  • Buy movie tickets of most of the multiplex around Kathmandu valley and out of the valley
  • Pay water bill which is a lot more convenient to visit the khanepani office and staying in line

These are the services currently provided by Kalti and they are adding more of other services too.

Khalti Availability and Platform

Khalti is available to download in both Android and iOS stores. It is available in both web-based service and as the mobile application. Khalti is built on a robust platform of the present scenario with cutting-edge technology. Khalti can be used on multiple devices which provides real-time sync across devices.

Currently, Khalti is providing a bonus for the referral of the app. When you refer to the Khalti mobile app to your friend with the help of Khalti app, both the person who is referring and the other who is downloading are awarded some cash in the app.

App Review and Usability

These are the screenshots of Khalti app. It’s really easy and simple to use. You just need to register to Khalti with your phone number and you are ready to use Khalti. It saves time and money as well due to the cash back they offer.

Recognition and Ease of Use is not only restricted to Nepal as it is recognized outside of the country., a promising Nepali financial tech startup has won the Google Business Group’s (GBG) 2017 ‘Story Search’ Contest. The company won the contest and also declared the People’s Choice Winner.

It’s really convenient and fast to use for different payments. It’s also extremely secure and reliable. No lag or delay is expected to load or withdraw cash to and from Khalti. It’s better you give a try. People need to load funds from their bank accounts using internet banking for the respective banks that are available there. Loading funds will be easier once the Nepal Rastra Bank’s (NRB) encouraging policy for integrating bank accounts with the app is in place. This is the main reason for the massive usage of a digital wallet in China.

The most noteworthy feature of the app is the scan and pay where you can easily scan the QR code of the other’s khalti account and pay for the amount. This feature comes useful for the payment in the street merchants, different shops and vendors. This kind of scan payment is also the most used and easy method of digital payment in China and India.

To conclude, Khalti can be the best alternative for payment rather than carrying a physical wallet which is not always secure and reliable. With the soaring popularity of digital wallet in neighboring countries India and China, we are also heading to the path of digital money.  It is a matter of some time that there will be only cashless payments using these sort of applications. Although there are other payment gateways in the market like eSewa and iPay, Khalti is the best alternative for the easy, secure and reliable payment. It’s up to you and for your convenience to choose the best one. Please let us know which payment gateway you are using and the reason for preferring that.

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