Accept Fonepay payments.
Keep every rupee.

Qora mints dynamic QR codes on your Fonepay merchant account. Customers scan with any bank or wallet app, and the money settles straight into your bank — never into ours.

Start with test keys Read the quickstart

No sales call. Test keys work the moment you sign up.

Create a payment

curl https://qora.laayo.com.np/v1/payments \
  -H "Authorization: Bearer sk_test_..." \
  -H "Idempotency-Key: order_1042" \
  -d amount=25000 \
  -d reference="Order #1042"

Response

{
  "id": "pay_7Fh2kQ9mXwRt3vNbLp6sDc",
  "object": "payment",
  "amount": 25000,
  "currency": "NPR",
  "status": "requires_payment",
  "qr": {
    "payload": "00020101021230590016A0055...",
    "expires_at": "2026-09-07T09:15:00+05:45"
  }
}

The aggregator model costs you a percentage of every sale

Most ways to take a QR payment in Nepal route your money through someone else's merchant account first. They take a cut, then release what is left on their own schedule. Qora is built the other way round.

Aggregator

Money lands in their wallet, not your bank
A percentage of every transaction, forever
You wait for them to release settlement
Your customers see their merchant name

Qora

Money lands in your own bank account
A flat software fee, paid from prepaid credit
Fonepay settles you on their normal cycle
Your customers see your business name

Everything the integration needs

The parts that are tedious to build correctly, built correctly once.

Dynamic QR in one call

Post an amount, get a scannable payload back. No SDK, no setup, nothing to host.

Real-time confirmation

Qora watches every payment for you and confirms in about a second, with a sweep behind it that catches anything missed.

Signed webhooks

HMAC-SHA256 over a timestamped body, five retries with backoff, and verification snippets in three languages.

Idempotent by design

Send an Idempotency-Key and a timed-out retry returns the original result instead of charging twice.

A real test mode

Separate keys, separate data, separate webhooks. Build the whole integration before verification clears.

Secrets kept properly

Your Fonepay credentials are encrypted at rest, and API keys are stored as hashes we cannot reverse.

Take your first test payment in ten minutes

Create an account, copy your test key, and make one API call. Verification only matters when you are ready for real money.

Create an account See pricing

Accept Fonepay payments. Keep every rupee.