Asia-Pacific · Available
Payment methods in Thailand
Thailand pays online with PromptPay, the national instant system launched in 2017 that carries about 35% of online payments by value (Bank of Thailand, 2025): the payer scans a QR code in the banking app. TrueMoney is the wallet, Visa and Mastercard cover the rest. The Bank of Thailand licenses payment services; Tranzify's clients work through licensed Thai providers from the catalogue.
Market facts
- Currency
- THB · Thai baht
- Region
- Asia-Pacific
- Payments regulator
- Bank of Thailand (BOT)
Payment methods
| Type | Payment methods | share of e-commerce payments |
|---|---|---|
| QR payments | PromptPay | 35 % |
| Wallets | TrueMoney | — |
| Cards | Visa | — |
| Cards | Mastercard | — |
| Wallets | Google Pay | — |
| Wallets | PayPal | — |
The market
PromptPay changed how Thailand pays: launched in 2017 by the Bank of Thailand and the banks, it links an account to a phone or ID number, and the QR code is now on every market stall and checkout page. Online it carries about 35% of payments by value (Bank of Thailand, 2025), settles in seconds and has no chargeback. TrueMoney, the wallet topped up in cash at convenience stores, reaches payers who shop in-app without a bank card. Visa and Mastercard serve travel, subscriptions and foreign shoppers. The Bank of Thailand licenses payment services under the Payment Systems Act; a merchant’s provider holds that licence.
How Tranzify clients launch
A client enables Thai providers from the catalogue — Opn for PromptPay, TrueMoney and cards; Bit-Payz for PromptPay with payouts; CloudCash for PromptPay and TrueMoney with payouts — under its own contracts and licence; TrueMoney is enabled on a client’s request. The checkout shows the PromptPay QR first and cards second; routing by method and amount picks the provider, two PromptPay providers share volume and cover each other on a failure, and a card decline cascades to the QR. Every payment is journaled for five years, and the client’s system gets the final status by webhook. Thailand is live in the catalogue.
PromptPay and TrueMoney
A PromptPay QR has no payer behind it until the bank app confirms, so the orchestration keeps the order open, matches the confirmation from the provider and calls the webhook. The same rail carries payouts to any Thai account through Bit-Payz or CloudCash in seconds; TrueMoney is deposit-only in the catalogue and confirms instantly in the wallet app.
Providers active in Thailand
How to launch here via Tranzify
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Frequently asked questions
Which methods must a Thai checkout have?+
Does Tranzify need a Bank of Thailand licence?+
How do payouts and settlement work in Thailand?+
Other countries in the region
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