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अब डिजिटल जीवन शुरु

About MoRu

MoRu is a digital wallet that follows you wherever you go. It ensures real time, secure and instant payment to various merchants. With MoRu, you can make various payments such as utility bill payment (NEA, Khanepani, etc.), recharge mobile, pay internet bill, airlines and bus ticketing, movie ticketing, make bank transfer (MoRu to bank), scan and pay to the merchants, and many more. simply log in with your username and password and pick which one you want to use.

Using MoRu is fast, simple and secure.

It’s fast
We will help you pay in just few clicks. Enter your phone number and password, and you are pretty much done.

It’s simple
There’s no need to run around searching for your wallet. Better yet, you don’t need to type in your financial details again and again when making a purchase online. We make it simple for you to with just phone number and password.

It’s secure

MoRu is a safer way to pay because we keep your financial information private. On top of that, MoRu is regulated by Nepal  Rastra Bank’s rules and regulations. Hence, it is the safe and easy mode of payment.

Buying with MoRu is Free. There is no charge to open a MoRu account and there is no cost for buying products and services.

Registration Process

You can easily register in MoRu via MoRu application or website.

Via MoRu application:

  • Download MoRu application from play store (for android) or
    app store (for iPhone).
  • Then, you shall be directed towards homepage. With the
    options displayed as Login or register, click on register.
  • Fill the details as asked and submit.
  • You shall be then be registered in MoRu


Via Website:

  • Search for (Link)
  • Click on ‘register’ option.
  • Fill the details as asked and tick on the boxes that are displayed for acceptance of terms and conditions.
  • Click on register.
  • An email shall be sent in the registered email ID or phone number for the confirmation of registration. Click on the link and confirm your registration.

MoRu Load

To make a transaction via MoRu, you must have balance in MoRu. bTherefore, MoRu can be loaded via four different mediums being internet banking, mobile banking, counter deposit and via cash points.

  • Internet banking , mobile banking and ConnectIPS are the services provided by bank which upon login can be used in loading MoRu.
  • You may also load from your Visa Card.
  • Else, you can as well ask your friends and family having MoRu account to make MoRu transfer when you need balance in MoRu and your friends and family are connected with MoRu.

Login password from mobile application and web are different. Hence, in case you have forgotten your password, you can reset the
procedure here. Similarly, for web login password, please find the procedure here.

MoRu can be accessed with NTC, Ncell or Smartcell.

Since laws and regulations in Nepal require licensed banks and financial institutions to collect and hold money from general public, MoRu has duly appointed an ‘A’ Class Financial Institution as settlement bank from the very first day of operation. Settlement Bank holds the rights and responsibilities of all the wallet balances in MoRu.

With the bank transfer option available with us, you can have your amount transferred to bank, if you wish to discontinue using MoRu.

Merchants Payments

The merchants associated with us can be paid for via MoRu. You can either login to MoRu and search for the merchant to make the payment or on merchant’s eCommerce sites, look for the logo of MoRu to make the payment.

MoRu does not hold accountability for the product delivery. Please confirm delivery time from your merchant by calling them or from their website.

You can easily make payments to the merchants where you can see “MoRu pay accepted” stickers or table top QR codes at their store. Simply, login to your MoRu and make the payment via Scan and Pay option.

The transaction status is pending until the merchant makes the delivery or accepts the payment. In case of product unavailability, the merchant will refund your paid amount.

Fund Transfer

The act of sending MoRu balance using ‘Send Money’ from one MoRu account to the other MoRu account is referred to as fund transfer. To use the service, both of the parties must be an MoRu user.

In the cases as such, please follow the registration procedure as indicated in Registration Process using the same mobile number or the same email address in which you have received the amount.

You can withdraw MoRu balance to a bank account by visiting to ‘bank transfer’ option on your mobile app or on web portal. Login to MoRu>> Bank transfer>> fill the details and make withdraw.

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