{"id":3136,"date":"2025-06-02T13:21:39","date_gmt":"2025-06-02T05:21:39","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3136"},"modified":"2025-06-02T13:21:39","modified_gmt":"2025-06-02T05:21:39","slug":"%e6%b3%b0%e5%9b%bd%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98-vs-%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%ef%bc%8c%e6%9c%89%e4%bd%95%e5%8c%ba%e5%88%ab%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/06\/02\/%e6%b3%b0%e5%9b%bd%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98-vs-%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%ef%bc%8c%e6%9c%89%e4%bd%95%e5%8c%ba%e5%88%ab%ef%bc%9f\/","title":{"rendered":"What is the difference between local vs international payments in Thailand?"},"content":{"rendered":"<p>There are significant differences between local and international payments in Thailand in a number of dimensions, mainly in terms of application scenarios, technical implementation and user experience. The following is a structured comparative analysis from a professional perspective:<\/p>\n<p>I. Differences in underlying clearing systems<\/p>\n<ol>\n<li>Local Payment Networks:<\/li>\n<\/ol>\n<ul>\n<li>Based on the Bank of Thailand-led BAHTNET clearing system<\/li>\n<li>Adoption of PromptPay Instant Settlement Protocol (5 seconds to transfer funds)<\/li>\n<li>Supports Thai QR standard (compatible with EMVCo QR but requires special configuration)<\/li>\n<\/ul>\n<p>2. International payment channels:<\/p>\n<ul>\n<li>The SWIFT messaging system took more than 8 hours on average<\/li>\n<li>Visa\/Mastercard using ISO8583 protocols<\/li>\n<li>Cross-border remittances rely on the correspondent bank model (often incurring intermediary bank charges)<\/li>\n<\/ul>\n<p>II. Comparison of compliance requirements<\/p>\n<ol>\n<li>Local Payments Regulatory Framework:<\/li>\n<\/ol>\n<ul>\n<li>Subject to the Payment Systems Act B.E. 2560<\/li>\n<li>Single transaction limit 200,000 Baht (approx. 5,700 USD)<\/li>\n<li>Mandatory SMF certification (Thailand's fintech security standard)<\/li>\n<\/ul>\n<p>2. Cross-border payment compliance costs:<\/p>\n<p>III. Differences in payment cost structures<\/p>\n<ol>\n<li>\n<p><strong>Local Payment Expense Model<\/strong><\/p>\n<ul>\n<li>Thai interbank transfers: usually 0-5 baht\/transaction (approx. $0-0.15)<\/li>\n<li>PromptPay Sweep Payment: Merchant rate 0.25%-0.75% (lower than international cards)<\/li>\n<li>Government mandatory: fee-free inter-personal transfers \u2264 50,000 baht<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Cost components of international payments<\/strong><br \/>\n| Type of Fee | Typical Rate Range | Description |<br \/>\n|&#8212;&#8212;&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;|<br \/>\n| Cross Border Transaction Fee | 1%-3% | Visa\/MC Base Assessment Fee + Currency Conversion Fee |<br \/>\n| SWIFT transfer fee | <x-equation>15-40 per transaction | Includes intermediary bank chargebacks (frequent loss)<\/x-equation>10-20)    |<br \/>\n| Chargeback Processing Fee | $15-50\/trip | Dispute Transaction Management Costs |<\/p>\n<\/li>\n<\/ol>\n<p>IV. Comparison of technical docking complexity<\/p>\n<ol>\n<li>\n<p><strong>Local Payment Integration Features<\/strong><\/p>\n<ul>\n<li>API follows the DPS Standard v2.3 of the Association of Banks of Thailand (ABT)<\/li>\n<li>OAuth2 + State Secret Algorithm SM4 Dual Authentication<\/li>\n<li>QR code must contain Thai VAT invoice information fields<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>International corridor technical requirements<\/strong><\/p>\n<\/li>\n<\/ol>\n<pre><code class=\"language-javascript\">\/\/ Typical Stripe\/PayPal cross-border payment call example<br>\r\nstripe.paymentIntents.create({<br>\r\n currency: 'thb',<br>\r\n payment_method_types: ['card_present'],<br>\r\n capture_method: 'automatic' \/\/need to additionally handle 3DS2 validation<br>\r\n});<br>\r\n<\/code><\/pre>\n<p>V. End-user behavioural differences<\/p>\n<ol>\n<li><strong>Thailand's indigenous preference data<\/strong>(2023 Central Bank Report):<\/li>\n<\/ol>\n<ul>\n<li>e-Wallet usage rate 73% (TrueMoney dominated)<\/li>\n<li>&lt;30 year old user 86% prefers code scanning over NFC<\/li>\n<li>Bank Transfer accounts for 61% of e-commerce settlement volume<\/li>\n<\/ul>\n<p>2.<strong>International user pain point research<\/strong><\/p>\n<pre><code>Top3 Reasons for refusal to pay:<br>\r\n\u2460 Currency conversion spread (38%) <br>\r\n\u2461 DCC dynamic exchange rate not shown (29%)<br>\r\n(iii) Local acquirer wind-up blocking (23%)<br>\r\n<\/code><\/pre>\n<p>VI. Comparative table of risk control mechanisms<\/p>\n<table>\n<thead>\n<tr>\n<th>dimension (math.)<\/th>\n<th>Thailand Real-Time Anti-Fraud System<\/th>\n<th>International Card Organisation Rules<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>trigger condition<\/td>\n<td>Single account &gt;5 trades per minute<\/td>\n<td>AVS\/CVV calibration failure<\/td>\n<\/tr>\n<tr>\n<td>Mode of disposal<\/td>\n<td>-Automatic freeze for 24 hours<br \/>-Send OTP confirmation<\/td>\n<td>-Forced initiation of 3DS authentication<br \/>-Increased margin requirements<\/td>\n<\/tr>\n<tr>\n<td>error rate     \t \t  \u00a0 \u00a0 \u00a0 \u00a0\u00a0 \u00a0<\/td>\n<td>&lt;0 .7% (central bank regulatory ceiling) \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<\/td>\n<td>&gt;12% (Visa 2022 reported data)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Recommended implementation strategy:<br \/>\n1. B-side scenario: Priority is given to local acquirers such as SCB\/EasyPay, and cross-border channels are used as a fallback solution.<br \/>\n2. C-end products: must implement the \"dual-track pricing\" function (THB\/USD parallel display)<br \/>\nNote: Under Thailand's Exchange Control Act, payments over US$50,000 equivalent require a BOI to be filed.<\/p>","protected":false},"excerpt":{"rendered":"<p>There are significant differences between local and international payments in Thailand in a number of dimensions, mainly in the application of...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[31],"tags":[],"class_list":["post-3136","post","type-post","status-publish","format-standard","hentry","category-31"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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