orrect & Safe Method (Professional Way)

🏦 Option 1: ConnectIPS Corporate API

ConnectIPS

Yo Nepal Clearing House ko official system ho.

Process:

1. Bank maa corporate account kholnu

2. ConnectIPS corporate merchant apply garnu

3. Agreement sign garnu

4. API credentials (Client ID, Secret Key) linxa

5. Tapaiko system maa API integrate garnu

Flow:

Your System → ConnectIPS API → Bank → Receiver Account

✔️ Secure
✔️ Legal
✔️ Bulk payment possible

🏦 Option 2: Bank Corporate Internet Banking (Bulk Payment)

Jastai:

• Nabil Bank

• Global IME Bank

• NIC Asia Bank

Dherai bank haru le Bulk Salary Upload (CSV file) option dinxa.

Process:

1. System bata salary/payment CSV generate garnu

2. Bank internet banking maa upload garnu

3. OTP approve garnu

Yo easiest option ho small construction business ko lagi.

🏦 Option 3: Digital Wallet API

• eSewa

• Khalti

Merchant account kholera API integration garna milxa.

Tara bank to bank payment ko lagi ConnectIPS better ho.

🏗️ Tapaiko Construction System Ko Ideal Architecture

Your CMS
   ↓
Payment Module
   ↓
Payment API (ConnectIPS)
   ↓
Bank Transfer

🔐 Security Best Practice

✔️ Bank password system maa store nagarnu
✔️ API key encrypted rakhnus
✔️ Role-based approval system banaunu (Accountant → Owner approve)
✔️ Transaction log maintain garnu

💡 My Recommendation

Jiwan ji, tapaile Laravel use garnu hunxa vane:

👉 ConnectIPS Corporate API integrate garnu best option ho
👉 Small scale ho vane CSV upload method easier xa

Tapaiko company monthly kati jati payment hunxa?

• 5–10 jana?

• 50+ jana?

• Bulk salary system banaune ho?

Ma tapaiko level anusar exact technical architecture banaidinxu (Laravel example sahit).