"Sir, QR cha?"
If you run a counter in Nepal you hear this several times a day now, and the answer is expected to be yes. A FonePay QR is the sticker on the till that most customers can scan whatever app they opened, because it runs on the banks rather than on one wallet company.
This is a short, practical guide to getting one and using it properly. It is deliberately not a rate card.
What you are actually getting
FonePay is a rail between banks. A customer scans, the money leaves their own bank account, and it arrives in yours. Because the wallet apps can also ride it, one sticker reaches a much wider set of people than any single wallet's own code.
For a shop this has one enormous practical consequence: the money lands in your bank account, not in a balance you have to withdraw. That is the difference between a payment method and a wallet you have to remember to empty.
Getting one
The route is through your bank, not through a separate signup. The order of operations is roughly:
Have a business account, or ask what your bank needs. Some banks will issue a merchant QR against a personal account for a very small shop, some will not. This is the step that decides how long the whole thing takes, so ask first.
Bring the paperwork they ask for. Typically your PAN, whatever registration you hold, and identification. If you are not registered at all, ask before assuming it is a blocker; the answer varies, and whether you need to register is worth reading separately.
Ask for the printed QR and the digital file. The printed one goes on the counter. The digital one is the one you actually need for an online shop, and shops routinely forget to ask for it and end up photographing a sticker.
Ask how you see what arrived. A merchant app, an SMS, a statement line. You need one of these to reconcile at the end of the day, and the answer is not the same at every bank.
We are not printing fees or settlement times. They differ by bank, by account type and by volume, and a number quoted here would be wrong for somebody. Ask for both in writing.
Using it on an online shop, without the usual mistake
The counter version is simple: sticker, scan, done, you glance at the app.
Online it is different, and the difference catches shops out. A customer paying by QR from home has no way to prove it to you and no way to know that you know. They scan, they pay, and then they wait. What happens next in most shops is a WhatsApp message with a screenshot, a phone call, and eventually a shop that starts shipping goods against screenshots.
That last habit is the actual risk here, and it is worth naming plainly: a screenshot is not a payment. They are trivial to fake and trivially easy to send twice. Any shop that has been trading for a while has a story about it.
The workable pattern is to let the customer attach the reference or the screenshot to the order so it arrives with the order rather than separately, and then to check your own account before you mark it paid and dispatch. The attachment is a clue that speeds up the check. It is not the check.
Put the QR where it can be scanned
Two small things that shops get wrong on their own pages.
Do not shrink the QR. A code re-encoded or resized down stops scanning reliably, and the customer trying to pay you is the last person who should be troubleshooting. Serve it at a size that works on a phone held at arm's length.
Put the amount next to it. A code alone makes the customer type a figure, and a figure typed from memory is a figure typed wrong.
Where Pasal fits
Pasal does not process payments, is not a payment provider, and takes no commission on your sales. Your FonePay QR is yours, from your bank, into your account.
What Pasal does is put it on your shop page beside the amount owed, let the customer attach the reference or screenshot to the order, and keep the two together on the board so you are not matching a WhatsApp image against a bank statement at eleven at night. You mark it paid when you have checked. That step stays manual on purpose.
The short version
Ask your bank, get both the printed and the digital QR, find out how you will see incoming payments, and never dispatch against a screenshot alone.
If you are weighing FonePay against the wallets, that comparison is here. If most of your customers still want to pay at the door, cash on delivery is the other half of this.
Once you have the code, getting a merchant QR onto your shop and taking payment by QR are the two guides that follow this.