Built for students. Designed for every merchant.

Your card.
Your phone.
Your way to pay.

A student taps their school ID card at the counter, or their phone, or shows a code. It clears in about a second — and it still clears when the wifi is down, which at lunchtime it often is.

Start a pilot at your school →See how it works
◆ One wallet, one ledger◆ Works offline◆ PIN-protected

Your whole canteen.
Connected.

One balance, spendable at every counter the school approves.

CanteenMeals, snacks and drinks
StationeryBooks and supplies
EventsTickets and activities
Approved shopsAny merchant the school adds

What a cash canteen costs

Every rupee at the counter is handled four times.

The queue

Twenty minutes of break, and a good part of it spent counting change for a fifteen-rupee samosa.

The coins

Money sent from home does not always reach the counter. Nobody can say where it went, because nothing wrote it down.

The reconciliation

An accountant counts a tin at the end of the day and hopes it matches what was sold. Usually it nearly does.

Four ways to pay

Whatever the student is carrying, the counter takes it.

All four end at the same wallet and the same ledger. A school does not choose one — a student who forgot their card still eats.

01 — Card tap

Tap the ID card they already own

The chip in the school ID card, held against the counter phone. No app, no phone, no PIN — holding the card at the reader is the proof, the way a contactless bank card works under a floor limit. Nothing new to issue or carry.

Fastest at a busy counter

02 — Card scan

Scan the code printed on the card

For a card whose chip will not read, or a phone without NFC. The printed code can be photographed from across a room, so this one asks for the student’s PIN before anything is charged.

PIN required

03 — Phone to phone

The student’s phone is the card

An Android phone holds the wallet and taps the counter directly. The code it presents is fresh every time and worthless a minute later, so possessing it is already proof — no PIN needed. Or the counter shows a QR and the student scans it in their own app and confirms there.

Rotating code

04 — Offline

No signal, still paying

The phone collects a handful of one-use codes while it has a connection and spends them later with none. The counter, which does have wifi, carries each to us. A PIN is asked for every time, because a code that waited a day is not proof on its own.

PIN required

The part nobody else does

A canteen with no internet is an ordinary Tuesday.

Most wallets ask a server for permission at the moment of payment, so a dropped connection is a student who cannot eat. We move that question earlier: the phone collects what it needs in advance.

Phone is offlineSchool canteen · Rs 45Rs 45
  1. Card readSunita holds her ID card to the counter
  2. PIN enteredFour digits — the offline code is not proof on its own
  3. Counter relays itHer phone has no signal. The till does.
  4. PaidRs 45 leaves her wallet, once and only once
0.00s
01On wifi, quietlyOpening the card at home or on school wifi stocks the phone with single-use codes. Nobody has to remember to do it.
02At the counter, offlineThe phone presents one code over NFC and asks for the PIN. It never needs to reach us — the till does that, on its own connection.
03Spent once, and only onceEach code dies on first use, server-side. A code copied off a phone buys nothing, and without the PIN it was never worth copying.

The wallet balance is checked when the code reaches us, so an offline tap cannot spend money that is not there. Android only — Apple does not let a third-party app emulate a card, so an iPhone student scans the counter’s QR instead.

Where the money comes from

Cash at the office, or online. Both leave a record.

A parent pays at the school

An accountant records what they took against a receipt number and their own name. The school’s books gain a real double-entry line, the wallet is credited, and the amount joins what the school settles with us monthly. The same receipt entered twice credits once.

A parent pays online

eSewa or Khalti, confirmed with the provider server-to-server before a rupee appears in the wallet — never on the strength of a browser redirect coming back.

Everything it does

The whole of it, in one list.

Card tap
The chip in the ID card a student already carries. No PIN — the tap is the proof.
Card scan
The printed code on the same card, for a chip that will not read. PIN required.
Phone tap
An Android phone as the card, presenting a code that is fresh every time.
Phone to phone
The counter displays a QR, the student scans it in their own app and confirms the amount there. Works on any phone with a camera, including iPhone.
Offline payment
Single-use codes collected in advance and spent with no connection, each one protected by the student’s PIN and retired on first use.
Block a lost card
The student or their parent stops it from their own phone, without waiting for the office to open. Paying and attendance both stop at once.
Enrol from a phone
Staff bind a new ID card by tapping it — grade, section, student, done. No card reader and no computer.
Wallet PIN
Set by the student, changed by the student, checked by us rather than by the phone in their hand.
One balance
What the student sees at home is the number the counter charges. There is one ledger, not a copy on each side hoping to agree.
Cash funding, receipted
Every school-taken rupee names the staff member, the receipt and the student, posts to the school’s books, and is reversible only by an audited reversal.
Online top-up
eSewa and Khalti, verified server-to-server before the wallet moves.
Monthly settlement
The school sees exactly what it owes and what made it up, pays once a month, and the balance moves only when we have matched the payment to our bank statement.
Spending a balance is not a debt
A student spending their own money changes nothing about what the school owes us. Only funding does.
Every movement recorded
Append-only. Entries are reversed, never edited or deleted, so the history a year from now is the history that happened.

Where this is going

Starting with one canteen. Building for every counter.

Split by what is actually running today, what is next, and what is still an intention. Nothing below the first column is a promise with a date on it.

Now · live

Running at Radheshyam

  • ID card tap and scan
  • Phone as card, and phone to phone
  • Offline payment with PIN
  • Cash and online funding
  • Block a lost card
  • Monthly school settlement
Next

More counters, more schools

  • A handful of further pilot schools
  • Merchant dashboards and reporting
  • Dedicated counter terminals
  • Parent spending limits
Future

Not built yet

  • Merchant payouts direct to bank
  • Wider merchant network beyond school gates
  • Physical Nepfex-issued cards
  • Transport and library services

Listed as intentions, not commitments. None of it is switched on.

Who it is for

One system, three people who never meet.

The student

Taps and eats. Sees the balance and every purchase, and can stop the card the moment it goes missing.

The parent

Sends money once instead of coins every morning, sees where it went, and can block a lost card from their own phone.

The school

Takes cash at the office as it always has, but with a receipt, a ledger entry and a monthly statement instead of a tin.

Where this actually is

Honest about the stage we are at.

Stage
First controlled pilot, at Radheshyam School. We are not yet open for general sign-up.
Money
Wallets hold real money. A parent pays cash at the school office or online, the school records it, and the balance is spendable at the canteen the same minute. Merchant payouts to bank accounts are not switched on yet, so schools settle with us directly each month.
What we are not
Not a bank, and not a licensed payment service provider. Nepfex Pay is a closed school wallet — value goes in for use inside the school, and nowhere else.
Your data
A card carries a code and nothing more. Names, balances and purchase history stay on our side of the counter; a card read by a stranger tells them nothing.
Platforms
Android and iPhone for students and parents. Tapping a phone is Android only, because Apple reserves card emulation for its own wallet — an iPhone scans the QR instead.

Be part of what school payments become.

We are taking a small number of schools alongside Radheshyam. If you run a canteen and count a tin at the end of the day, we would like to hear from you.

Talk to us about a pilot →

A real conversation, not a mailing list.