By using our smart scratch cards, you are agreeing to be bound by the terms of this agreement, you agree to use our services, it will be available on all eligible accounts of different Banks and Financial Institutions, whether open now or to be open in the future, including any joint accounts you hold with others. In order to use our services, you must be an account holder of any Bank or Financial Institution. When you complete your transaction by recharging our cards for deposit or utility payment funds will be deducted from your card in NPR currency and proceed as per your demand and you will informed through system conformation message.

Nature of Cards

Nature of Smart Card is use and through. It is a highly secured Prepaid Scratch Card. It can be use anywhere for all type of transactions such as: bank deposit, utility payment and use as wallet etc. via internet, smart phones and SMS Syntax. 

Relationship of the Parties

The Parties acknowledge and agree that the Services performed by us, settlement Bank, and member Bank shall be as an independent service provider and that nothing in this Agreement shall be deemed to construe a partnership, joint venture, agency relationship or otherwise between the parties.

Safeguarding PIN codes and Transactions

In connection with your PIN Codes, you must take all reasonable steps to ensure that you safeguard your PIN codes at all times before making transaction. You must not disclose any details of your PIN codes to anyone else before transaction has been carried out.

Other security safeguards

You must not allow anyone else to use smart scratch card on your behalf. You must not leave Your System unattended while you are online to the Server before getting system conformation massage from our service about your transaction. You must comply with any other requirements designed by the company to protect the security of your transaction whatsoever. We will not be liable in any manner whatsoever due to unauthorized usage and for all purposes any usage will be construed as a proper and authenticated usage of our smart cards.

Tally your statements

If you become aware of any transaction that has not been validly authorized by you, you must notify us immediately by sending mail, telephoning and SMS to our Customer Care Centre. For this purpose, you are reminded that you must, as is required to verify your bank Statements for ensuring any transactions.

Governing Law and Jurisdiction

You hereby confirm and acknowledge that payments through electronic transfer of funds are subject to the Prevailing Income Tax Act of Nepal. Terms and conditions of this agreement are governed by existing Nepali legal provisions.


If we come to believe that an instruction may not have been properly authorized by you, we will be entitled, after making reasonable efforts to check whether it was properly authorized, to take steps to reverse any action taken on the basis of that instruction. We will not be responsible for any loss to you that results from such a reversal. When you give an instruction via internet, mobile or SMS, we will act on the basis of that instruction to make payment or deposit your transaction. You are instructed to acquire services such as balance enquiry, transaction details, statement of accounts, funds transfer, bill payments with the concerned Bank and Financial Institution. However the company shall endeavor to provide massage about the transaction carried out by using our smart cards. 

Changes to these terms and conditions of use

Please note that we may change these terms and conditions from time to time at our sole discretion and we reserve the right to do without your consent. Any revised terms and conditions will be applicable at the time of posting on our website. Please ensure that you review these terms and conditions regularly as you will be deemed to have accepted a variation if you continue to use our services.


Our company may amend, change or alter the provision of this Agreement at any time by posting a revised version on our website by notifying 15 Day’s prior notice of these changes. All future changes sets through the Policy Update by the concerned authority such as NRB, Banks etc will be published on the page of our company’s website and that specified Policy Update shall be effective from the date of notice published.

No waiver

Our failure to insist upon or enforce any provision of these terms and conditions shall not be construed as a waiver of any provision stipulated by prevailing Nepali statute.


At your request for transaction via scratching our smart card, subsequently entering valid PIN code, you got connected to our network. And your transaction will be re-directed to concerned entity through our settlement bank to precede your request for Deposit, Utility Payment or Wallet. You shall access our site for the purposes of payment of your bills/dues and deposit the amount at individual Bank and Financial Institution’s Account. Please acknowledge the disclaimer before proceeding further.

Smart Card and its affiliates, employees, officers, directors and agents, expressly disclaim any liability for any deficiency in the services offered by other member banks and Financial Institution, utility service provider etc. above and beyond your transaction about of payment or deposit.

Smart Card and its affiliates or their directors, officers and employees will not be liable or have any responsibilities of any kind of losses in case of losing your Scratch cards or liability arising out of the use or inability to use the materials on this website before receiving conformation system massage through our network.

You hereby confirm and acknowledge that a payment through online transfer is subjected to the Prevailing law of the Country, our failure to insist any provision of law shall not construed waiver of legal responsibility.