Comparison

eSewa vs IME Pay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

eSewa

This app allows users to manage their finances and pay bills directly from their mobile devices. Users can easily recharge their phones, pay for utilities like electricity and water, and even book tickets, potentially saving money each month.

Highlights
  • Mobile recharge and top-up
  • Utility bill payments (electricity, water, internet)
  • Ticket booking (air, bus)
  • Fund loading via internet banking, counter deposit, or cash points
  • Send and receive money
  • Online shopping
  • School fee payments
Features
Read full description

इसेवा नेपालकै पहिलो मोबाइल खाता हो । इसेवामा खाता खोली आफ्नै मोबाइलबाट नि:शुल्क आफ्नो मोबाइल रिचार्ज, घरको बिजुली, खानेपानी, टेलिफोन, इन्टरनेट आदिको बिल भुक्तानी गरि मासिक रु ५०० देखि रु २००० सम्म बचत गर्नुहोस् । इसेवा कसरी प्रयोग गर्ने ? रजिष्ट्रेशन इसेवाको App Download गरि Register गर्नुहोस् । यसरी Register गर्दा तपाँईको मोबाइल नम्बर नै तपाँइको इसेवा आइडी हुनेछ । इसेवामा पैसा जम्मा गर्न इसेवामा चार प्रकारबाट सजिलै रकम जम्मा गर्न सकिन्छ: १. इन्टरनेट वा मोबाइल बैंकिङ मार्फत बैंकको खाताबाट इन्टरनेट वा मोबाइल बैंकिङ मार्फत इसेवामा नि:शुल्क रकम जम्मा गर्नुहोस। मोबाइल/इन्टरनेट बैंकिङ सेवा लिनु भएको छैन भने आजै आफ्नो बैंक को शाखामा गएर सेवा सुरु गराउनुहोस । २. काउण्टर डिपोजिट मार्फत इसेवाको पार्टनर बैंक मध्ये ७ वटा बैंकबाट इसेवामा काउण्टर डिपोजिट पनि गर्न सकिन्छ । ग्लोबल आइएमई बैंक, प्रभु बैंक, महालक्ष्मी डेभेलपमेन्ट बैंक, जनता बैंक, मेगा बैंक ओम डेभेलपमेन्ट बैंक कामना सेवा विकास बैंक ३. eSewa Cash Point मार्फत तपाँईको आफ्नो टोल छिमेकमा रहेका eSewa Cash Point चिन्ह अंकित इसेवाका एजेन्ट मार्फत पनि नि:शुल्क रकम जम्मा गर्नुहोस। ४. तपाँईले अन्य इसेवा प्रयोगकर्ताबाट इसेवामा पैसा राख्न र पठाउन पनि सक्नुहुन्छ । इसेवामा उपलब्ध सेवाहरु: मोबाइल रिचार्ज र टपअप ल्याण्डलाइन बिल हवाइजहाज र बस टिकट बिजुली र खानेपानीको बिल भुक्तानी इन्टरनेटको बिल भुक्तानी टेलिभिजन रिचार्ज मुभि टिकट होटल बुकिङ स्कुल फि इन्सुरेन्स प्रिमियम किस्ता भुक्तानी डिम्याट खाता दर्ता र नविकरण क्रेडिट कार्ड बिल भुक्तानी अनलाइन सपिङ बैंक डिपोजिट इसेवाको बारेमाः eSewa fonepay Pvt. Ltd. सन् २००९ बाट सेवा दिइरहेको नेपालको पहिलो भुक्तानी सेवा प्रदायक कम्पनि हो । मोबाइल तथा इन्टरनेट बैंकिङको सफ्टवेयर प्रदायक कम्पनिमा नेपालकै अग्रणी स्थानमा रहेको F1Soft International को एक सहायक कम्पनिको रुपमा इसेवा रहेको छ । हाल नेपालको ७७ वटै जिल्लामा पहुँच भएको यस eSewa fonepay Pvt. Ltd. सँग १० लाख भन्दा बढि दर्ता भएका ग्राहकहरु , ४०,००० भन्दा बढि व्यवसायी (eSewa Zone/Point), ४७ बैंकहरु तथा १,५०० भन्दा बढि मर्चेन्टहरु आवद्ध रहेका छन। थप जानकारीका लागि: १६६०-०१-०२१२१ ईमेल: csd(@)esewa.com.np eSewa is Nepal's first payment gateway with integrated digital wallet. You can register on-the-go and save Rs. 500 - Rs. 2000 in a month. How to register and make payment with eSewa? Registration Download eSewa app and click on Register. Your mobile number will be your eSewa ID. Load fund to eSewa You can load fund to your eSewa account in 4 different ways: 1. Via Mobile/Internet Banking: You can load eSewa wallet from your internet/mobile banking without any additional cost from 47 banks. Visit your bank branch if you have not enabled internet banking and mobile banking. 2. Via Counter Deposit: You can visit nearest branch of below mentioned partner banks for loading fund to your eSewa account via counter deposit: a. Global Bank b. Prabhu Bank c. Mahalaxmi Development Bank d. Janata Bank e. Mega Bank f. OM Development Bank g. Kamana Sewa Bikas Bank 3. Via eSewa Cash Point You can visit nearest eSewa Cash Point and load fund to your eSewa wallet without additional service charge. 4. You can also send and receive fund to your eSewa wallet from other eSewa users for free. Services of eSewa: Mobile recharge and TOPUP Landline Bill Airline and Bus Ticket Electricity and water bill payment Internet Bill Television Subscription Movie Ticket Hotel Booking School Fee Insurance Premium EMI Payment DMAT account opening and renew Credit Card Bill Online Shopping Bank Deposit About eSewa eSewa Fonepay Pvt. Ltd. is the first and leading Payment Service Provider, starting service from 2009 AD. eSewa is a subsidiary company of F1Soft International, leading fin-tech company in Nepal. eSewa has it's wider coverage to all the 77 districts of Nepal. eSewa has a growing network of more than 10 lakhs registered customer, 40,000+ agents (eSewa Zone/Point), 47 banks, 1500+ merchants.

About

IME Pay

This digital wallet simplifies daily life in Nepal by enabling quick, hassle-free online payments for various services. Transfer money, pay bills, and make purchases instantly with a few taps. It offers a secure and convenient way to manage cash transactions digitally.

Highlights
  • Wallet to wallet money transfer
  • Utility bill payments
  • Merchant QR code payments
  • Add money from linked banks
  • Cash pickup and bank deposit options
  • Request money from contacts
  • Airline and movie ticket booking
Features
Read full description

Experience the legacy of IME now on your smartphone. Presenting IME Pay! With the aim to simplify daily life for all Nepalese, IME introduced IME Pay for easy, quick, and hassle-free online digital payments for day-to-day services. Licensed by Nepal Rastra Bank (NRB) and powered by IME Remit, IME Pay is now a leading payment gateway in Nepal. IME Pay is an advanced digital wallet that allows users to transfer money from wallet to wallet, pay utility bills and make purchases online or offline instantly with a few quick taps on their smartphones. It essentially brings all cash transactions to the tips of your fingers, from basic household purchases to high volume business trades. With our wide range of partners and merchants, we are dedicated to ease your everyday life by providing you the most lucrative offers. With Nepal’s largest IME network of 25,000+ touchpoints, we encourage our customers to make smart and safe payments digitally, within the convenience of their smartphones. All your payments are just a tap away with IME Pay! Our Features include: MONEY TRANSFER Add Money You can load money into your IME wallet account from various available mediums: • Linked Bank • E-banking/M-banking • Connect IPS • Nearby Agents IME Pay users can enjoy free banking transactions with linked banks like Global IME Bank, NIC Asia Bank, Siddhartha Bank, Bank of Kathmandu, Kumari Bank, NIBL Bank, and other banks. Send Money Send money feature makes IME Pay users to conveniently send/ transfer money to desired destinations: • IME Pay Wallet transfer • Cash Pickup • Bank Deposit Withdraw Money You can withdraw the desired amount from nearby IME Agents. Scan the QR code located in agent counters and cash out the desired amount. Request Money You can also request the desired amount to your friends and family. Both parties should be IME Pay users. UTILITY BILLS PAYMENT You can make quick and easy payments with a few taps on your smartphone. We offer a wide range of facilities to our valued customers. Our services include: • Mobile Top-up (NTC, Ncell & SmartCell) • Landline (Nepal Telecom) • Electricity (Nepal Electricity Authority NEA) • Water (Khanepani) • TV (DishHome, MeroTV, SkyTV and more) • Internet (Worldlink, Vianet, Subisu, ADSL and more) • EMI (MAW Investment, Jagdamba Credit &Hulas) • Insurance Premium (IME General Insurance, Sagarmatha, NECO & more) MERCHANT PAYMENTS You can make payments for products and services at IME Pay registered merchants including restaurants, cafes, convenience stores, and more. Scan QR codes placed in the payment counter at the merchant location or search for the merchant directly in the app. You can find various discounts and offers available at merchants in the “Deals” section. TICKETING We provide the option to find tickets according to your preferences and buy tickets directly from your smartphone. You can instantly book tickets via IME Pay for the following services: • Airlines • Movie Tickets • Chandragiri Hills Cable Car EVENTS Ticketing and Voting are facilitated by IME Pay where you can instantly purchase tickets to available events. Vote for your favorite contestants in TV shows or any other competitions integrated into the app. No more queue! No more traffic jams! No more penalty! Live a smart life, choose IME Pay today, and pay all your bills anytime from anywhere instantly!

Screenshots

eSewa4 screens
IME Pay4 screens

Verdict

The call

The clearest difference is rating: IME Pay at 3.8 against eSewa's 3.2. IME Pay also leads on review sentiment (46% vs 19%). eSewa's advantage is ratings volume (531 vs 112). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

IME Pay holds the better App Store score, 3.8 against 3.2. Both are backed by a comparable volume of ratings — 531 and 112 respectively. Written reviews point the same way: 19% of eSewa's written reviews are positive against 46% of IME Pay's.

UpkeepUpdate frequency

eSewa ships an update every 10 days, IME Pay every 3 weeks. The most recent releases landed on October 16, 2026 and October 14, 2026 respectively.

Scorecard3 real differences · 7 level
eSewa versus IME Pay: the parameters behind the verdict, then further details
ParametereSewaIME Pay
PriceFreeFree
Rating3.2 (531 ratings)3.8 (112 ratings) — better
Positive reviews18.9% of reviews46.4% of reviews — better
Number of ratings531 — better112
Update frequencyEvery 10 days — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS1313.0
Further details — not scored
Size417 MB324 MB
Age rating4+4+
DeveloperESEWA LTD.IME Khalti Limited

Customer experience

eSewa

All ratings531 ratings
Positive52.7%
Neutral7.2%
Negative40.1%
Written reviews190 reviews
Positive18.9%
Neutral5.3%
Negative75.8%

IME Pay

All ratings112 ratings
Positive69.6%
Neutral6.3%
Negative24.1%
Written reviews69 reviews
Positive46.4%
Neutral5.8%
Negative47.8%

User reviews

eSewa

From 531 App Store ratings

What we love

  • 💳 Convenient payment options
  • 🤝 Helpful for transactions
  • ⚡ Fast and efficient

Room to improve

  • 🐛 Frequent crashes and bugs
  • 🕰️ Slow response times
  • 🤖 Poor customer service
  • 💳 Unreliable payment processing
  • 🔒 Lack of security features

IME Pay

From 112 App Store ratings

What we love

  • 👍 Easy to use
  • 👍 Good features
  • 👍 Reliable eWallet
  • 👍 Good UI
  • 👍 Smooth app performance

Room to improve

  • 😞 Unprofessional customer care
  • 😞 App doesn't work
  • 😞 Clueless KYC team
  • 😞 App can't open
  • 😞 Worst app

Bugs and requests

eSewa

Reported bugs

4 issues
  • Login issues
  • Transaction failures
  • App crashes on certain devices
  • Verification process problems

Requested features

5 requests
  • Offline payment mode
  • Biometric login options
  • Improved user interface
  • Enhanced security measures
  • Better customer support

IME Pay

Reported bugs

29 issues
  • App doesn't work
  • KYC team clueless
  • App can't open
  • App doesn't let complete transactions
  • App stuck on loading screen
Show 24 more
  • App crashes frequently
  • App sometimes forces update
  • App not supporting older devices
  • App crashes on payment
  • No login option after registration
  • Registration required every time
  • New device detected message
  • Load fund not working
  • Verification code not sent
  • App crashes frequently on iOS
  • Selfies for verification worthless
  • App slow to process
  • Electricity bill payment issues
  • Bank not available
  • Cannot see own balance
  • Transaction not found issue
  • Poor operator service
  • Fix issues in IOS
  • Server not available during registration
  • Unwanted charges
  • Verification code not received
  • Cannot use mobile data
  • Unsuccessful QR payment rate
  • Spelling mistake on Update Profile

Requested features

28 requests
  • Add service transfer IMEPay to other wallets
  • Add more services and payments
  • Add option for load money via international card
  • Improve minimum top-up amount
  • Add option for NRN users
Show 23 more
  • Add support for international numbers
  • Add more banks to link bank options
  • Add QFX and Bigmovies cinemas
  • Add IME Pay in NIC mobile apps
  • Add Western Union service
  • Increase cash back on TV and WiFi recharge
  • Allow linking debit or credit cards
  • Increase load money limit
  • Reduce load charges by debit cards
  • Support international cards for loading money
  • Improve operator service
  • Fix issues in IOS
  • Add discount on electricity bill recharge
  • Improve registration procedure
  • Add login button for registered users
  • Support for other countries
  • Add balance option
  • Allow registration from Australia
  • Enable use with mobile data
  • Add more banks to link bank options
  • Add other cinemas
  • Add IME Pay in NIC mobile apps
  • Add Western Union service

In-app purchases

None

eSewa

No in-app purchases

None

IME Pay

No in-app purchases

Questions

Is eSewa free?
eSewa is free to download, with no in-app purchases.
Is IME Pay free?
IME Pay is free to download, with no in-app purchases.
Which has better reviews, eSewa or IME Pay?
IME Pay is rated higher. eSewa averages 3.2 out of 5 from 531 ratings, while IME Pay averages 3.8 from 112 ratings.
Do eSewa or IME Pay have ads?
Neither eSewa nor IME Pay shows ads.
Which is updated more often, eSewa or IME Pay?
eSewa ships an update every 10 days, and IME Pay every 3 weeks. Most recently, eSewa was updated on October 16, 2026 and IME Pay on October 14, 2026.

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