E-Commerce
Digital Payments
WooCommerce
Payments are Fragmented,
Nepali E-commerce
Shouldn’t
System Engineer @NCHL
Suraj Bhattarai
Fragmented Payments
Ref: https://athenaattires.com/
Checkout
Redirect
Login Credentials Fill
OTP Manually Entered
Confirmation Redirect
App/Web Based System
Social Media Sales
The more serious problem in multi-hop payment
The global cart abandonment rate can be seen in Nepal too . . . .
Complex checkouts, app switching, and waiting for SMS OTPs caused users to drop out right at the finish line.
70%
Source: www.statista.com
How is the industry fixing this issue?
CheckOut
Solution by Fonepay
Confirmation
on MoBank application of the respective Bank that uses Fonepay backed app
How is the industry fixing this issue?
Solution by NCHL (on web)
on ConnectIPS app
CheckOut
on Marchant’s Portal
Confirmation
on Marchant’s Portal
How is the industry fixing this issue?
CheckOut/Proceed
Confirmation/Reflection
Solution by NCHL (on App)
How is the industry fixing this issue?
Solution by NCHL (on App)
Better Implementation
with
checkout
Authentication
(Pin/Biometric)
Tokanization and e-mandate enabled
(Truely seemless)
Example: fasto.com.np
Confirmation
CONVINIENCE = E-Mandates
Automated Recurring Billing with e-Mandate & Tokens
Customer Subscribes → e-Mandate Auth → Token Generated → Automated Monthly Billings
WooCommerce’s native class
WC_Payment_Token woocommerce_scheduled_subscription_payment_
1.
Subscriptions, SaaS, bill payments, ISP/Cable and gym memberships in Nepal need automated recurring debits.
Automatic renewal charges
powered by Action Scheduler.
2.
PCI-compliant token storage
(No sensitive bank/card credentials stored locally).
3.
Never Trust the Browser (Verification & Signatures)
Flow: Securing One-Time Purchase Order Completion
Unreliable $_GET or $_POST return parameters
Always execute a mandatory server-to-server API query (GET /verify-transaction) prior to updating state.
add_action( 'woocommerce_blocks_payment_method_type_registration', function( \Automattic\WooCommerce\Blocks\Payments\PaymentMethodRegistry $registry ) {
$registry->register( new Your_Custom_Gateway_Blocks_Support() );
} );
What can developers & merchants build today?
Moving away from traditional custom gateways to modern WooCommerce block APIs
Example of Global experience as a reference
Optimize in-app purchase across social media
Preparing Your WordPress Stack for 2026+
How to upgrade your system?
Fig: Modern transition checklist for WordPress community
Leveraging headless & REST APIs
Educating clients on MSF vs. conversion:
Open Source Contribution
Sanitization &
logging gateway callbacks
Sanitization &
logging gateway callbacks
Interoperability between PSPs & PSOs
Universal Acceptance
Higher Conversion = Higher ROI
Future-Proofing
Simplicity
Way forward to
Truly unified checkout
*For NCHL Rail and channels
Any institution/person making payment
PSOs
RPS/NPI
(Open API & Routing Switch)
Non
Real-Time Switch
Real-time
Switch
fig: High-level Architecture of Retail Payment Switch
Bank Networks
NRB | Settlement
(Inter-Bank)
Thank You
Let’s discuss how you intend to shape e-commerce in Nepal.
Or, just leverage fintech rails?
Suraj Bhattarai
System Engineer [Infrastructure]
Nepal Clearing House Limited
/in/immrbhattarai
Disclaimer: All views, and points shared at WordCamp Kathmandu 2026 are my personal thoughts, research and voice as an individual, rather than organizational or to which I’m involved. Presentation slides are independent work too.