Fonepay is an initiative to enable fast, secure, and reliable cashless payments to bank and wallet customers such as merchant payments, fund transfer, online payments through their mobile phone. Fonepay make financial services simple, accessible and affordable through a technology-driven and customer-centric approach.

Fonetag abbreiviated for Fonepay Tap and Go, is an feature to make merchant payments with the help of near field communication. Fonetag works even when there is no internet connection.


In the country like Nepal, internet connection is still not reliable, and the data package provided by Telecom Service Provider is kind of expensive, which is harder for users to make merchant payments.

Taking unrealiable internet connection in mind the offline payment feature was introduced.


To make offline payment, use of technology like NFC is better way, assuming that one of the device is connected to the internet. So, the decision was to go with the NFC which will make the payment easier for the users having NFC enabled mobile phones. But, for those who doesn't have NFC enabled devices or unable to use NFC, they wouldn't be able make payments.

For those who don't have, we came up with another solution to make payments, CPQR (Customer Presented QR), which is shown by the customer and the merchant can scan that QR and receive payments.

Since Fonepay also have an app for merchant, Fonepay for Business, merchant can easily receive NFC payment, and scan CPQR to receive payments. Merchant don't need an make an extra investement just to receive payments.

Based on the solution, I prepared the flow for both customer and merchant and is presented below.

With the information and the user flow, I started with pen and paper to roughly sketch the initial ideas and direction. And then I switched to the my go to design tool, Figma and implemented the design. Since, the design system and component library was already there, it was not very hard for me to implement the sketch into actual design.

Here are the design for both Fonepay app and Fonepay for Business App (for Merchants) to make offline payments and receive offline payments.

Fonepay App

First of all to use the offline payment feature, user (assuming that the user is already registered and have login credintals to use Fonepay App) have to link their accounts either bank accounts or wallets.

Linking account

Enabling offline payments

Once the user links the account, the user needs to enable the offline payment, so that behind the scene the app would do the magic.

Making offline payments

Once the user has enabled the offline payments, the user is ready to make offline payments. For making an offline payments, user can navigate to login screen and choose method of offline payments. If the device supports NFC, the user will have two option to make payments (CPQR and Fonetag). If the user don't have NFC supporting device, the default is CPQR.

Fonepay for Business App

Merchants also have an app to receive the payments using QR, Fonetag and CPQR. Merchant app also have features to track transactions, refund the transactions.

Receiving payments

To receive a payments from customer, merchant have three option, Dynamic QR code, Fonetag and CPQR. Based on the requirement, merchant can choose one option and receive a payment.

The results

After rolling out the offline payment feature, there were so many changes on the number. Transaction rates increased by 9%, resulting in an 11% revenue increase. User acquisition increased by 20%.