Sources: Bank of Thailand and provider disclosures, 2024–2025.
How Thailand pays
Thailand pays with its phone. PromptPay, the national instant payment rail backed by the Bank of Thailand, links bank accounts to phone and ID numbers and powers the standard Thai QR code seen at counters and checkouts across the country. Most of those payments are made from mobile banking apps such as K PLUS and SCB EASY.
Cards remain important online, especially for travel and higher-value orders, and wallets such as TrueMoney Wallet and ShopeePay are common in e-commerce. For an enterprise merchant, the value is reach and optimization: cards routed across acquirers, 3DS that keeps friction low, and wallets and local methods behind one integration, settled in baht.
Why merchants run on us here
PromptPay QR at checkout
PromptPay lets shoppers scan a Thai QR code and pay instantly from their bank app, the default for many online orders.
Mobile banking apps
Bank apps such as K PLUS and SCB EASY handle QR and app-to-app payments, so checkout often ends in a banking app.
Wallets and cards
TrueMoney Wallet, ShopeePay and the express wallets sit beside Visa and Mastercard, routed across acquirers.
One integration, baht settlement
Cards, wallets and local methods behind one integration, in baht, with 3DS where it helps and Thai-language checkout.
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 Thailand
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Thailand like any other market in your stack.
One integration, every local method
Connect once and reach every card scheme, wallet, bank rail and installment provider in Thailand through a single API — no separate contract or integration per provider.
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 Thai baht (THB) 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
Process through our locally licensed partner entities. You launch without standing up a local entity or chasing a payments license of your own.
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 Thailand?
Talk to our payments team about going live in Thailand — coverage, local acquiring, settlement and timelines for your business.