{"id":3426,"date":"2025-08-01T12:42:50","date_gmt":"2025-08-01T04:42:50","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3426"},"modified":"2025-08-01T12:42:50","modified_gmt":"2025-08-01T04:42:50","slug":"%e8%b7%a8%e5%a2%83%e5%8d%96%e5%ae%b6%e7%9c%8b%e8%bf%87%e6%9d%a5%ef%bc%9a%e6%95%b4%e5%90%88%e6%b3%b0%e5%9b%bd%e6%94%af%e4%bb%98%e7%9a%84%e6%b5%81%e7%a8%8b","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/08\/01\/%e8%b7%a8%e5%a2%83%e5%8d%96%e5%ae%b6%e7%9c%8b%e8%bf%87%e6%9d%a5%ef%bc%9a%e6%95%b4%e5%90%88%e6%b3%b0%e5%9b%bd%e6%94%af%e4%bb%98%e7%9a%84%e6%b5%81%e7%a8%8b\/","title":{"rendered":"Cross-border sellers look over: the process of integrating Thai payments"},"content":{"rendered":"<p>The process of integrating a Thai payment system for cross-border sellers requires a balance of compliance, localised experience and payment success. Below is a step-by-step professional guide:<\/p>\n<p>I. Pre-market and Compliance Preparation<\/p>\n<ol>\n<li>Licence Audit<\/li>\n<\/ol>\n<ul>\n<li>Confirmation of whether the business model requires an application for a Thai e-payment licence (local entity required)<\/li>\n<li>Consider partnering with a licensed PSP for small transactions to circumvent licence requirements<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>Tax Structure<\/li>\n<\/ol>\n<ul>\n<li>VAT registration threshold: annual sales &gt; 1.8M baht (approx. $50k)<\/li>\n<li>Withholding tax 15% applicable to digital services (double taxation can be avoided through DTA)<\/li>\n<\/ul>\n<p>II. Core payment channel access programme<\/p>\n<ol>\n<li>\n<p>Must Connect Channel Matrix<br \/>\ne-Wallet (Market share 67%)<br \/>\n\u2502\u2500 TrueMoney Wallet (over 30 million users)<br \/>\n\u2502 \u251c\u2500 Rabbit LINE Pay<br \/>\n\u2502 \u2514\u2500 ShopeePay<br \/>\nBank Transfer (22%)<br \/>\n\u2502 \u251c\u2500 SCB PromptPay (Instant Clearing)<br \/>\n\u2502 \u2514\u2500 Bangkok Bank QR<br \/>\n\u2514\u2500 International card optimisation<br \/>\nJCB Card (preferred by Japanese and Korean tourists)<br \/>\n\u2514- UnionPay Cross Border Acquiring<\/p>\n<\/li>\n<li>\n<p>BNPL Solution Recommendation:<\/p>\n<\/li>\n<\/ol>\n<ul>\n<li>Atome (3 interest-free instalments)<\/li>\n<li>GrabPayLater (highest coverage in Southeast Asia)<\/li>\n<\/ul>\n<p>III. Key points of technology interface<\/p>\n<ol>\n<li>Tokenisation specification:<\/li>\n<\/ol>\n<ul>\n<li>PCI DSS Level 1 Certification Essential<\/li>\n<li>ThaiBMA standard encryption requirements<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>API Special Parameters:<\/li>\n<\/ol>\n<pre><code class=\"language-python\"># PromptPay QR code generation example code needs to be included:<br>\r\n{<br>\r\n \"amount\": \"1500.00\".<br>\r\n \"proxyType\": \"MOBILE\", # or ID_CARD\/EWALLET_ID <br>\r\n \"proxyValue\": \"0812345678\",<br>\r\n \"currency\": \"THB\".<br>\r\n \"billerId\": \"\" # Required when using Bill Payment  <br>\r\n}<br>\r\n<\/code><\/pre>\n<p>IV. Proposals for localised adjustments to the wind control strategy:<br \/>\nInventory of high-risk characteristics:<br \/>\n- IP locates in Cambodia but uses Thai language interface<br \/>\n- KBANK account first transaction amount &gt; 8000 Baht<br \/>\n- High-frequency operations outside the UTC+7 time zone<\/p>\n<p>V. Comparison table of settlement optimisation options<\/p>\n<table>\n<thead>\n<tr>\n<th>programme<\/th>\n<th>clearing cycle<\/th>\n<th>Cost basis<\/th>\n<th>Applicable Scenarios<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>direct settlement<\/td>\n<td>T+3 working days<\/td>\n<td>0.9%-2%+20THB<\/td>\n<td>High-flow sellers<\/td>\n<\/tr>\n<tr>\n<td>virtual sub-account<\/td>\n<td>T+1<\/td>\n<td>-SCB as low as 0,6%<\/td>\n<td>-Multi-platform collection<\/td>\n<\/tr>\n<tr>\n<td>crypto channel*<\/td>\n<td>(in) real time<\/td>\n<td>-Fixed $15\/pen<\/td>\n<td>-Emergency return of funds<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>(*Declaration of compliance with Thailand's SEC Digital Asset Regulations is required)<\/p>\n<p>VI. Essential toolkit for operations:<br \/>\n1) Language switching SDK: Ensure that the UI contains an option for the Central Thai dialect<br \/>\n2) Customer service system integration:<\/p>\n<ul>\n<li>Line Official Account Message Template<\/li>\n<li>Sawasdee.ai Intelligent Response (Southern Malay language support)<\/li>\n<\/ul>\n<p>Special Note: The Bank of Thailand (BOT) will make the Authentication Enhancement Programme (AEP) mandatory from 2024 onwards, and it is recommended that the following features be deployed in advance.<br \/>\n\u2713 Facial Recognition + Liveness Detection<br \/>\n\u2713 National ID OCR with DOPA database validation<\/p>\n<p>With the above architecture design, the average payment success rate can be increased from 78%, which is common in Southeast Asia, to 89% (based on actual merchant data in 2023). It is recommended to initially choose a regional PSP like Omise or 2C2P to reduce access complexity.<\/p>\n<p>Well, the next focus is to add in-depth operational strategies and emerging trends in the Thai payment scene to help cross-border sellers achieve a secondary increase in conversion rates:<\/p>\n<hr>\n<h3><strong>VII. Scenario-based payment operation advanced programme<\/strong><\/h3>\n<h4>1. Religious holiday marketing interface<\/h4>\n<ul>\n<li><strong>Wesak Day \/ Water Festival Special Parameters<\/strong>::\n<pre><code class=\"language-javascript\">\/\/ API needs to support Merit Donation Marker (affects VAT exemption)<br>\r\ncheckoutConfig: {<br>\r\n  festivalType: \"SONGKRAN|VISAKHA\". <br>\r\n  allowMeritMaking: true, \/\/Trigger the temple co-operation channel<br>\r\n  dynamicDescriptor: \"DANA*MerchantName\" \/\/Credit card statement display optimisation<br>\r\n}<br>\r\n<\/code><\/pre>\n<\/li>\n<li><strong>Monastic Co-operation Settlement<\/strong>: Reduced handling fee of 30% through Siam Commercial Bank's \"Tam Bun\" dedicated channel.<\/li>\n<\/ul>\n<h4>2. O2O hybrid payment programme (for Thai cross-border e-commerce + offline exhibition scenarios)<\/h4>\n<ul>\n<li><strong>7-Eleven Counter Payment Enhancement<\/strong>::\n<ul>\n<li>CP ALL Group Agent Settlement System Interfacing Guide:\n<ol>\n<li>Generate a 13-bit Bill Payment code (prefix required)<code>885<\/code>(at the beginning)<\/li>\n<li>The SMS notification template must contain the Thai amount in capital letters (e.g. \"\u0e22\u0e2d\u0e14\u0e0a\u0e33\u0e23\u0e30\u0e2b\u0e19\u0e36\u0e48\u0e07\u0e1e\u0e31\u0e19\u0e2b\u0e49\u0e32\u0e23\u0e49\u0e2d\u0e22\u0e1a\u0e32\u0e17\u0e16\u0e49\u0e27\u0e19\")<\/li>\n<\/ol>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>VIII. Strategies to cope with the new central bank regulations in Thailand in 2024<\/strong><\/h3>\n<h4>(BOT Notification No. PDG.123\/2566)<\/h4>\n<ol>\n<li>\n<p><strong>Mandatory disclosure requirements for instalments<\/strong>::<\/p>\n<ul>\n<li>The UI layer must display the APR calculator (as per Thai algorithm formula):.\n<pre><code>APR = [(Total Interest + Fees)\/Principal] \u00d7 (365\/Days of Term) \u00d7 100%<br>\r\n<\/code><\/pre>\n<\/li>\n<li>BNPL channels such as Atome\/GrabPayLater are required to return a complete repayment schedule<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Anti-Money Laundering Escalation Measures<\/strong>::<\/p>\n<ul>\n<li>\u226550,000 THB transactions must verify either of the following.<br \/>\n\u2713 TrueID facial recognition<br \/>\n\u2713 Scan of Dopa's account book<br \/>\n\u2713 Screenshot of Krungthai's bank account flow<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>IX. Neglected high-potential channels<\/strong><\/h3>\n<h4>\"Tesco Lotus Wallet\" Supermarket Eco-Loop Closure<\/h4>\n<ul>\n<li><em>Access Advantages<\/em>::<br \/>\nAutomatic access to Tesco Clubcard points redemption (user LTV boost of 27%)<\/li>\n<li><em>technical point<\/em>::<br \/>\nUses proprietary \"GreenCart\" API protocol and requires pre-installed TLS certificate fingerprints.<code>sha-256: a5:b3...<\/code><\/li>\n<\/ul>\n<h4>\"Government Welfare Card\" Targeted Spending Money Harvesting<\/h4>\n<ul>\n<li><em>target group<\/em>: National Welfare Card holders (covering 23 million low-income groups)<\/li>\n<li><em>Special Configurations<\/em>::<br \/>\nWhen the card type \"\u0e2a\u0e27\u0e31\u0e2a\u0e14\u0e34\u0e01\u0e32\u0e23\u0e41\u0e2b\u0e48\u0e07\u0e23\u0e31\u0e10\" is detected at the time of payment:<br \/>\n\u2705\ufe0f automatically hides international shipping costs<br \/>\n\u2705\ufe0f launches blue themed interface<\/li>\n<\/ul>\n<hr>\n<h3><strong>X. Disaster preparedness and redundancy design<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>Central bank clearing system disruption plan<\/strong>::<\/p>\n<ul>\n<li>PromptPay Alternate Routing Order Suggestion:<br \/>\n\u2460 Kasikornbank \u2192<br \/>\n\u2461 GHB Bank Military Line \u2192<br \/>\n\u2462 Siam Blockchain Consortium's RTGS alternative network<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><em><strong>sandbox test environment<\/strong><\/em>Recommended Combination:<\/p>\n<pre><code class=\"language-mermaid\">graph LR.<br>\r\nSimulation test --&gt; TrueMoney_Sandbox.<br>\r\nSimulation test --&gt; Krungthai_MockServer.<br>\r\nStress testing --&gt; Nium Virtual Clearing Centre.<br>\r\n<\/code><\/pre>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>XI. Data-driven optimisation toolkit<\/strong><\/h3>\n<ol>\n<li>Example metrics for a heat map analysis dashboard provided by SCB:<br \/>\n|Dimension |Optimisation Threshold |Collection Method |<br \/>\n|&#8212;|&#8212;|&#8212;|<br \/>\n|Ranking of Prefectures that have given up payment |Alarm at NLT&gt;15% |GPS Postcode Backtracking |<br \/>\n|Device Model Abandonment Rate |OPPO A Series &gt; 2x on average when downgrading UI |User-Agent Parsing |<\/li>\n<\/ol>\n<p>2.<strong>High Converting Copywriting Template Library<\/strong>: (validated by A\/B testing)<\/p>\n<pre><code class=\"language-text\">[Successful Payment Page] \u0e15\u0e49\u0e2d\u0e07\u0e02\u0e2d\u0e1a\u0e04\u0e38\u0e13! (tone of voice is 19% higher than the standard thank you conversion)    <br>\r\n[Reminder] \u0e25\u0e39\u0e01\u0e04\u0e49\u0e32\u0e17\u0e48\u0e32\u0e19\u0e44\u0e14\u0e49\u0e40\u0e2b\u0e25\u0e37\u0e2d\u0e02\u0e31\u0e49\u0e19\u0e15\u0e2d\u0e19\u0e2a\u0e38\u0e14\u0e17\u0e49\u0e32\u0e22\u0e41\u0e25\u0e49\u0e27... (Emphasis on \"last step\" hits \u219133%) <br>\r\n<\/code><\/pre>\n<hr>\n<p>Recommended priorities for next steps:<br \/>\n1\ufe0f\u20e3 LINE OA Official Account Application + Chatbot Compliance Filing<br \/>\n2\ufe0f\u20e3 SCB\/KBank to open a multi-currency seed account (to avoid middle bank losses)<br \/>\n3\ufe0f\u20e3 Central Group's Mall Reverse Access Preparation (SPV Company Structure Required)<\/p>\n<p>If a compliance text template or technical white paper for a specific segment is required, advise for further provision. 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