Sources: central bank and provider disclosures, 2024–2025.
How Myanmar pays
In Myanmar, cash remains widely used, and mobile wallets have become the main digital way to pay. KBZPay and Wave Money are the best-known, used for transfers, bills and QR payments. Locally issued cards run mostly on MPU, the domestic card scheme, and international card acceptance inside the country is limited.
Workers abroad, especially in Thailand, Malaysia and Singapore, send money home and pay for services with foreign-issued cards. For a merchant, the realistic starting point is cross-border: international cards and express wallets behind one integration, 3DS on card-not-present, and sanctions screening and compliance checks before onboarding.
Why merchants run on us here
Built for buyers abroad
Workers and family abroad pay with foreign-issued cards, so routing by card origin matters.
Cards and wallets, cross-border
International cards and the express wallets behind one integration, with 3DS.
How Myanmar pays at home
KBZPay, Wave Money and MPU cards; the focus here is cross-border.
Screened before onboarding
Every merchant goes through sanctions screening and compliance checks before going live.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Myanmar
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Myanmar like any other market in your stack.
One integration, growing local coverage
Connect once for what's live in Myanmar today — including international card acquiring — and add local wallets and bank rails through the same integration as we bring them online.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the Myanmar kyat (MMK) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
We're establishing locally licensed partners so you can process in-country as we expand local coverage — without standing up your own entity or chasing a license.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Myanmar?
Talk to our payments team about going live in Myanmar — coverage, local acquiring, settlement and timelines for your business.