Recommended cross-border platforms that support Thai payments

Below is a list of recommended cross-border payment platforms that support Thai payments, covering localised payment methods and mainstream international options to help merchants efficiently access the Thai market:

I. Mainstream international cross-border payment platforms

  1. Stripe

    • Thai credit cards (Visa/Mastercard) and some e-wallets are supported.
    • Registration is required through a local entity or partner (e.g. Stripe Thailand).

  2. PayPal

    • Widely accepted, but Thai users need to tie up an international credit card.
    • Suitable for small cross-border transactions, note the high commission.

  3. 2Checkout (Verifone)

    • Supports multi-currency billing, covering Thai credit cards and bank transfers.

  4. Adyen

    • Global acquiring capabilities with support for local payment methods in Thailand (e.g. PromptPay).

II. Local payment platforms in Southeast Asia/Thailand

  1. Omise

    • Thailand-based aggregated payment platform that supports:
      ✅ PromptPay (Instant Bank Transfer)
      ✅ Thai QR Code Payment
      ✅ Cash payment at convenience stores (e.g. 7-11)

  2. TrueMoney Wallet

    • One of Thailand's largest e-wallets for mobile in-app payments.

  3. Rabbit LINE Pay

    • Widely used by LINE users and suitable for social e-commerce scenarios.

  4. ShopeePay & GrabPay

    • Popular wallets within the Shopee and Grab ecosystems, especially for e-commerce and takeaway businesses.

  5. DOKU (Indonesia predominates, but covers South-East Asia)
    Offers Thai bank transfer and convenience store payment options.

III. Other solutions

  • MOLPay: Southeast Asia Aggregation Gateway, supports PromptPay, Alipay+, etc.
  • iPay88:: Strong coverage in Malaysia & Thailand.
  • Paysbuy:: Veteran local gateway, suitable for traditional enterprises.

🔍 Choice Suggestion:

1️⃣ If the target audience is young → Priority access to TrueMoney/LINE Pay/Rabbit LINE Pay + PromptPay QR code.
2️⃣ If you do cross-border e-commerce → Stripe + Omise combo covers credit card and localisation needs.
3️⃣ Offline or cash scenarios → Consider 7-11 collection (via Omise or MOL).

⚠️ Note: Some platforms need to cooperate with local agents to register company qualifications (e.g. Stripe Thailand), it is recommended to consult a professional service provider to streamline the process

Okay, next I will add more details and hands-on advice to help you choose the most suitable Thai payment solution for your business scenario:

IV. Breaking down the best combination by business scenario

1. Cross-border e-commerce (B2C)

  • core requirement: Coverage of international credit cards + local high-conversion payments

    • Recommended programme::
      ✅ Stripe/Adyen(International Card Acquiring) + Omise/PromptPay(Instant bank transfer from Thai banks)
      ✅ Alternative: 2Checkout (built-in multi-currency conversion) + TrueMoney Wallet

  • Why?
    Thai users trust bank transfers more than credit cards when shopping online, and PromptPay's conversion rate can be increased by more than 30%; international cards cover the expatriate population travelling to Thailand.

2. Social e-commerce/live banding

  • core requirement: Small, high-frequency, social payments

    • Recommended programme::
      ✅ LINE Pay/Rabbit LINE Pay (social fission) + ShopeePay (platform traffic linkage)

  • case (law): Distribute coupons through the LINE community to guide users to complete closed-loop transactions using LINE Pay.

3. SaaS subscription or virtual services

  • sore point: Regular debit required but low penetration of credit cards in Thailand → switch to localised auto debit solution.
    • prescription:
      ① Omise's "Recurring Payment" supports PromptPay regular bank debit.
      ② TrueMoney Wallet Subscription Licence

🔧 Access to Technical Tips

  1. PromptPayIntegration Points:

    • Need to generate dynamic QR code or mobile phone number / ID number collection interface.
    • Omise offers the friendliest API documentation and a well sandboxed test environment.

  2. Avoiding the risk of refusal to pay:

    • Set ≤ 24 hours order validity for convenience store cash payments (e.g. 7-11).

  3. Rate reference:
    | Payment Methods | Fee Ranges | Settlement Cycle|
    |—————-|——————|——–|
    | PromptPay |0.5%1.5% |T+13 days|
    | TrueMoney |1%2% |T+35 days|

🌐 Policy and Compliance Reminders

1️⃣ Foreign Capital Restrictions: If you sign up directly with some of the local gateways (e.g. Paysbuy), you may need to register a Thai company or find a licensed agent (e.g.Asiabill).

2️⃣ VAT processing: Annual income over 1.8 million baht is subject to VAT registration and some gateways (e.g. Adyen) can withhold payment.

📈 Data Insights

According to the 2023 Statista report: