iPAY (www.iPay.com.np), a service of Muncha.com, is an online payment gateway and works as an intermediary between the merchant and the shopper for purchase of merchandise online. The process is such that the customer first opens an iPAY account which he prefills with funds. He can then use these funds to pay to the merchants signed up by iPAY for payment of products procured.

iPay uses 128-bit SSL encryption to protect all personal identification information that you submit, including your name, address, e-mail address, login ID and password, credit card and bank account details. Payment details for each transaction are encrypted and stored for your convenience. We have also maintained the second level of security (Transaction Password) while paying the bills through iPay. In order to complete your payment you have to create the Transaction Password.

The iPay Android application provides access to various payment services.