Esewa.com.np and Ipay.com.np are the most popular online payment gateway in Nepal.Due to their similar services and features People face difficulties on choosing the best one between these two.So in this post I tried to point out some similarities and differences between the services provided by these two online gateways.Here are the similarities and differences between these two online payment gateway explained under different headings:
Page Loading Speed and User Experience
Analyzing the page loading speeds and User experience through Google Page Insights,we can clealy conclude that Ipay.com.np is far better than esewa.com.np
For esewa:
User experience:67
User experience:94
Accepted Banks:
Esewa
Comparing the partner banks of Esewa and Ipay it's 41-7.So Esewa gives more opyions for choosing a Bank for linking to the Esewa account.So,here Esewa is better than Ipay.
Similarly,Esewa also provides the instant Western Union Pick up service Online but Ipay does not which makes Esewa better than Ipay.
Bank to Payment Gateway/Payment Gateway to Bank
While talking about the bank to payment gateway both Esewa and Ipay provide instant deposit of money from accepted bank to their respective accounts but in case of Payment Gateway to Bank deposition Esewa procides instant access to their users whereas Ipay does not.
Charges on withdrawing money from esewa to Bank
Rs 100 to Rs 1000 = Rs 10
Rs 1001 to Rs 10000 = Rs 20
Rs 10001 to Rs 20000 = Rs 30
Rs 20001 to Rs 30000 = Rs 40
Rs 30001 to Rs 40000 = Rs 50
Rs 40001 to Rs 50000 = Rs 60
Charges on withdrawing money from Ipay to Bank
If you want to withdraw money from your Ipay account to your bank account you can withdraw upto Rs.10000 at once and it charges Rs.25 for each withdraw.
Analyzing the withdrawal charges,you can find esewa cheaper.So,we can regard esewa as the best one for this reason.
Security:
Both Esewa and Ipay uses 128 bit SSL encryption as security system i.e yours all personal information are encrypted before being transmitted through the internet.So,Security system of both the gateway are comparable and alike.
Thus,after analyzing all the above reasons definitely Esewa has better services than Ipay but Esewa provides very poor userexperince as per the data of Google Insights when compared to Ipay.So it's all upon your choice to choose one of them.But if I''ve to suggest you I'll definitely suggest Esewa.
Page Loading Speed and User Experience
Analyzing the page loading speeds and User experience through Google Page Insights,we can clealy conclude that Ipay.com.np is far better than esewa.com.np
For esewa:
Page speed:
- Mobile:48
- Desktop:66
User experience:67
For Ipay:
Page speed:
- Mobile:63
- Desktop:78
User experience:94
Accepted Banks:
Esewa
- Ace Development Bank
- Apex Development Bank
- Business Universal Development Bank
- Bank of Kathmandu
- Citizen Bank
- Ekata Bikas Bank Ltd
- Everest Bank
- Gandaki Development Bank
- Global IME Bank
- Gurkhas Finance Ltd
- Infrastructure Development bank
- Janata Bank
- Jyoti Bikash Bank Ltd
- Kumari Bank
- Kailash Bikash Bank
- Kanchan Development Bank Ltd
- Lumbini Bank
- Machhapuchre Bank
- Malika Vikash Bank Ltd
- Manaslu Bikas Bank Ltd
- Mega Bank
- Nabil Bank
- Nepal Bangladesh Bank
- Nepal Credit & Commerce Bank
- NIC Asia Bank
- NMB Bank
- OM Development Bank Ltd
- Prabhu Bank
- Purnima Bikas Bank
- Rastriya Banijya Bank
- Shangrila Development Bank
- Sanima Bank
- Sewa Bikash Bank
- Shine Reshunga Development Bank
- Siddhartha Development Bank
- Society Development Bank
- Sunrise Bank
- Supreme Development Bank
- Tourism Bank
- Triveni Bikash Bank
- Yeti Development Bank
Ipay
- Nepal Investment Bank
- Kumari Bank
- Laxmi Bank
- Global IME Bank
- NIC Asia Bank
- Everest Bank
- Prabhu Bank
Similarly,Esewa also provides the instant Western Union Pick up service Online but Ipay does not which makes Esewa better than Ipay.
Bank to Payment Gateway/Payment Gateway to Bank
While talking about the bank to payment gateway both Esewa and Ipay provide instant deposit of money from accepted bank to their respective accounts but in case of Payment Gateway to Bank deposition Esewa procides instant access to their users whereas Ipay does not.
Charges on withdrawing money from esewa to Bank
Rs 100 to Rs 1000 = Rs 10
Rs 1001 to Rs 10000 = Rs 20
Rs 10001 to Rs 20000 = Rs 30
Rs 20001 to Rs 30000 = Rs 40
Rs 30001 to Rs 40000 = Rs 50
Rs 40001 to Rs 50000 = Rs 60
Charges on withdrawing money from Ipay to Bank
If you want to withdraw money from your Ipay account to your bank account you can withdraw upto Rs.10000 at once and it charges Rs.25 for each withdraw.
Analyzing the withdrawal charges,you can find esewa cheaper.So,we can regard esewa as the best one for this reason.
Rewards Point
Esewa provides rewards point for every payments and transaction through which the users can get different gifts but Ipay do not provide this service.
Security:
Both Esewa and Ipay uses 128 bit SSL encryption as security system i.e yours all personal information are encrypted before being transmitted through the internet.So,Security system of both the gateway are comparable and alike.
Thus,after analyzing all the above reasons definitely Esewa has better services than Ipay but Esewa provides very poor userexperince as per the data of Google Insights when compared to Ipay.So it's all upon your choice to choose one of them.But if I''ve to suggest you I'll definitely suggest Esewa.
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