Thailand Payment Frequently Asked Questions and Solutions

Overview of Frequently Asked Questions

1. International card payment failure

• impunity: International cards such as Visa/Mastercard are declined.
• rationale::
  • Card Issuer Risk Control Interception
  • No cross-border payment function
  • CVV code input error

2. Local Payment Methods issue

• PromptPay Usage Issues::
  Unable to scan QR code or failed to transfer money

• TrueMoney Wallet restrictions::
  Difficulty in account verification and low top-up limits

3. KYC/AML compliance requirements

• Cumbersome authentication
  Difficulty for foreign tourists to provide local identity documents

Solutions

A. For Merchants Merchant Advice Programme.

1. multichannel integration

   graph LR.
   
   Payment Gateway --> |preferred|PromptPay.
   
   Payment Gateway --> |Subselect|Credit Card. 
   
   Payment Gateway --> |supplementary|cash-on-delivery.
   
   

2. Technology Docking Optimisation

   • The API needs to support Thai localisation parameters (e.g. Tax ID field)
   • QR Code generation in accordance with Bank of Thailand Standard (BOT Standard)

3. Fraud Prevention.

   # Sample fraud check logic for Thai transactions 
   
   
   
       if transaction['amount'] >50000 and not user['kyc_verified']: 
   
           flag_as_risky()
   
       elif ip_country ! = billing_country.  
   
           require_otp()  
   
   
   
   

4.Refund Process

5.Transparency of exchange rates and fees

6.Customer Service Support Preparation

7.Periodic compliance reviews

8.Alternate cash collection option

9.Production of user education materials

10.Test Environment Setup(Sandbox Testing)

Frequently Asked Questions and Solutions for Payments in Thailand (continued)

B. For Consumers Consumer Solutions

1. Tips for using international cards

• make preparations in advance::
  • Report foreign transactions to the card issuer before travelling
  • Verify that the card is enabled for 3D Secure authentication
• alternative::
  Carry at least 2 credit cards from different banks as backup

2. Optimised use of Local Payment

• PromptPay Registration Guide::

  1. Thai Bank App Binding Mobile Phone Number (Thai SIM card required)
  2. ATM self-registration (English interface operation)

• E-wallet top-up tips::
  Cash recharge through 7-11 convenience store is the most reliable(Cash Deposit Fee:10THB)

C. Technical Troubleshooting process

sequenceDiagram

    User->>+Payment Gateway: Submit transaction 

    Payment Gateway->>+Acquirer: Forward request 

    Acquirer->>+Issuer: Authorization check 

    alt Approved 

        Issuer-->>User: Success notification  

    else Declined  

        Issuer-->>Gateway: Error code mapping  

        Gateway->>Merchant Dashboard: Display localised reason (TH/EN)  

    end 

Correspondence table of common error codes:

D. Regulatory Compliance Latest Compliance Requirements (Updated 2024)

1. New e-KYC regulations::

   • Foreigners can complete verification with passport + TM6 entry card (Tourist accounts only)

2. Restrictions on cross-border remittances::

   # Daily transfer limits calculation for foreigners.
   
   
   
       if user_type == 'tourist'.
   
           max_amount =50,000 THB/day 
   
       elif visa_type == 'work_permit'.  
   
           max_amount =200,000 THB/day    
   
       else.
   
           require_physical_bank_visit()
   
   

It is recommended to regularly check the Bank of Thailand's (BOT) official website for thePayment System Announcement.

Need a more detailed scenario-specific solution? You can tell me the specific type of problem you are experiencing.