Stop Asking for Bank Details: Get Paid Instantly with Your UPay Personal Payment Link
Your Personal Payment Link, Made Simple
Imagine you could receive money from anyone — your customers, friends, or family — just by sharing a simple link. No complicated forms, no bank details to exchange, no app downloads required for the person paying you. That's exactly what upay.fi does.
upay.fi is a short-link payment feature built on top of Unelma Pay, Nepal's multi-currency digital wallet platform. Every Unelma Pay user gets their own personal payment link that looks like this:
upay.fi/username
That's it. Share this link with anyone, and they can pay you instantly — even if they don't have an Unelma Pay account.
How Does It Work?
For the Person Receiving Money (You)
1. Sign up for a free UnelmaPay account at unelmapay.com.np
2. Go to Settings → Payment Link in your account dashboard
3. Customize your payment link — add a display name, description, and set a maximum payment amount if you want
4. Share your link — post it on social media, send it via Viber/WhatsApp, print it on a receipt, or put it on your website
Your link is always: upay.fi/yourusername
Every time someone pays through your link, the money goes directly into your UnelmaPay wallet.
For the Person Paying (Your Customer)
When someone opens your upay.fi link, they see a clean, modern payment page. They have two ways to pay:
Option 1: Pay Without an Account (Guest Payment)
This is the magic of upay.fi. The person paying you does not need to create an account. They simply:
1. Open the link (e.g., upay.fi/yourname)
2. Select their preferred currency (NPR, EUR, USD, etc.)
3. Enter the amount
4. Choose a payment method
5. Complete the payment
That's it — 5 steps, no sign-up required.
Option 2: Pay with Unelma Pay Wallet
If the sender already has an Unelma Pay account, they can pay directly from their wallet balance — it's even faster. They just enter their username and the amount, and the transfer happens instantly.
What Payment Methods Are Available?
upay.fi supports a wide range of payment options, making it accessible to people both inside and outside Nepal:
For Payments from Nepal
● Nepal Payment — Pay using Nepali bank accounts and wallets
● ConnectIPS — Direct bank transfer via Nepal's ConnectIPS system
● eSewa — Nepal's most popular digital wallet
● IME Pay/Khalti — Another widely-used Nepali mobile wallet
● QR Code (Local Bank) — Scan and pay using any banking app
For Payments from India
For International Payments
● Stripe — Pay with Visa, Mastercard, or other international cards
● PayPal — The world's most trusted online payment platform
● Advcash / Volet — Multi-currency online payment
● Coinpayments — Pay with cryptocurrency (Bitcoin, Ethereum, etc.)
Multi-Currency Support
upay.fi isn't limited to Nepali Rupees. The platform supports multiple currencies including:
● NPR (Nepali Rupee)
● INR (Indian Rupee)
● EUR (Euro)
● USD (US Dollar)
The payment page automatically shows which currencies each payment method supports, so the sender always knows their options.
Real-World Use Cases in Nepal
Small Business Owners
You run a small shop in Kathmandu. Instead of dealing with cash or asking customers for bank details, you print your upay.fi link as a QR code and put it at your counter. Customers scan it and pay from any method they prefer.
Freelancers
You're a freelance graphic designer. You finish a project and send your client a message:
"Thanks for the project! You can pay me here: upay.fi/yourname"
Your client clicks the link, pays with their preferred method, and you get the money in your wallet. No invoicing hassle.
Online Sellers (Facebook/Instagram)
You sell handmade products on Facebook or Instagram. Instead of giving out your bank account number to strangers, you put your upay.fi link in your bio. Buyers click, pay, done. Safer for everyone.
Collecting Money for Events
Organizing a group dinner? A school reunion? A charity fundraiser? Share one link, and everyone can contribute whatever amount they want. You can track every payment from your UnelmaPay dashboard.
Receiving Money from Abroad
Your family member abroad wants to send you money. Instead of the usual hassle with remittance services, they can open your upay.fi link, pay via PayPal or Stripe using their credit card, and the money lands in your UnelmaPay wallet. You can then withdraw it locally.
Rent Collection
You're a landlord with multiple tenants. Give each tenant your payment link. They pay rent on their own time using whatever method works for them. You see all payments in one place.
Key Features at a Glance
Feature | Details |
Personal Link | upay.fi/yourname — short, clean, easy to remember |
No Account Needed to Pay | Senders can pay as guests without creating an account |
Multiple Payment Methods | 15+ payment options including local Nepali and international methods |
Multi-Currency | Accept payments in NPR, EUR, USD, and more |
Real-Time Notifications | Get notified when someone pays you |
Fee Transparency | Fees are shown upfront before the sender confirms payment |
Security | Built on Unelma Pay's verified and secure payment infrastructure |
Verification Levels | More payment methods unlock as you verify your account |
Payment Tracking | Track all incoming payments from your UnelmaPay dashboard |
Works on Mobile (coming soon) | Fully responsive — works perfectly on phones and tablets |
Account Verification — Why It Matters
To keep payments safe and secure, some payment methods require the recipient (the person receiving money) to have a verified UnelmaPay account. Here's how it works:
● Basic Account — Access to essential payment methods
● Standard Verified — Unlocks additional methods after ID verification
● Fully Verified (Extended) — Access to all payment methods including international options
If a sender opens your payment link and sees a method greyed out with "Verification required," it means you (the recipient) need to complete your account verification to unlock that method. You can do this from Settings → Verification in your UnelmaPay account.
Tip: Complete your full verification to give your customers the most payment options possible.
How to Set Up Your Payment Link
Step 1: Create Your UnelmaPay Account
Go to unelmapay.com.np and sign up. It's free and takes just a couple of minutes.
Step 2: Verify Your Account
Go to Settings → Verification and complete at least the standard verification. For maximum payment options, complete the extended verification.
Step 3: Set Up Your Payment Link
Go to Settings → Payment Link. Here you can:
● See your personal link (upay.fi/yourusername)
● Add a display name (e.g., your business name)
● Add a description (e.g., "Pay for goods and services")
● Set a maximum payment amount (optional)
Step 4: Start Sharing
Share your link anywhere:
● WhatsApp / Viber messages
● Facebook / Instagram bio
● Printed on business cards or receipts
● On your website as a "Pay Now" button
● In emails and invoices
Frequently Asked Questions
Does the person paying need an UnelmaPay account?
No. That's the best part. Anyone can pay through your upay.fi link using guest payment. They just choose a payment method and pay. No sign-up needed.
Is there a fee for receiving payments?
Fees depend on the payment method chosen by the sender. Each method shows its fee clearly before the sender confirms payment. Some methods like Local Bank (QR) have no fees at all.
Can I receive payments from outside Nepal?
Yes. International senders can pay using PayPal, Stripe (credit/debit cards), Skrill, Advcash, cryptocurrency, and more. The money is deposited into your UnelmaPay wallet.
How do I withdraw money from my UnelmaPay wallet?
You can withdraw to your Nepali bank account, use it for mobile recharges, utility payments, or transfer it to other Unelma Pay users.
Is it safe?
Yes. All payments are processed through Unelma Pay's secure infrastructure. Guest payments go through verified payment gateways (PayPal, Stripe, Nepal Payment, etc.). Your bank details are never shared with the sender.
Can I use this for my business?
Absolutely. Many small businesses, freelancers, and online sellers in Nepal use upay.fi as their primary payment collection tool. It's simpler than setting up a full merchant payment gateway.
What happens if I haven't verified my account?
You can still receive payments, but some payment methods will be locked. The sender will see those methods greyed out with a "Verification required" message. Complete your verification to unlock all methods.
Getting Started Today
1. Create your account → unelmapay.com.np
2. Verify your identity → Settings → Verification
3. Share your link → upay.fi/yourusername
4. Start receiving payments from anyone, anywhere
upay.fi is a product of Unelma Pay— a leading international digital wallet and payment platform. For support, contact us through your Unelma Pay account or visit our help center.
Comments
Post a Comment