HK
HK
1.
2C2P
2.
Opn Payments
3.
Pay Solutions
4.
PayPal
5.
TrueMoney
Thailand is not to be overlooked when it comes to ecommerce markets, as it ranks 18th globally.
Tapping into the thriving Thai ecommerce market, you need to handle payment processing effectively. One way to ensure that is to implement a well-integrated payment gateway.
So, this article will break down the 5 best online payment gateways powering purchases nationwide, both domestic names and international ones.
A payment gateway is an intermediary that connects online stores with payment processors to securely handle transactions.
Simply put, when customers enter their payment information, like credit card numbers, on a website to make a purchase, the payment gateway validates the data, confirms sufficient funds, and handles the transfer.
Customers are then notified of whether the payment was approved or denied. If approved, it goes to merchants; if denied, the funds are returned to the customers.
That said, the key role of a payment gateway is to securely verify the financial details supplied by the customers to confirm that merchants will receive the correct payment amount, keeping both sides protected as the money changes hands.
If you’re looking for the best payment gateway for your business in Thailand, one thing worth noting is to find those that accept Thailand’s widely used online payment methods:
Let’s see the best options for payment gateways in Thailand.
🔎 Note: All information provided below may have been updated since the date of publication. Please check each payment gateway’s website for the latest information.
| Best For | Notable Accepted Payment Methods | Fees | |
|---|---|---|---|
| 2C2P | Large enterprise | Cards: Mastercard®, Visa, JCB, UnionPay, and Amex Digital wallets and QR payment: Rabbit LINE Pay, Google Pay, Apple Pay, TrueMoney Wallet, Samsung Pay, GrabPay, Alipay, WeChat Pay, AIS mPay, etc. | N/A |
| Opn Payments | SMEs to large enterprise | Cards: Mastercard®, Visa, JCB, and Amex PromptPay QR Code Mobile & Internet banking: Major Thai banks Digital wallets: Rabbit LINE Pay, Google Pay, TrueMoney Wallet, Alipay, WeChat Pay | 1.65% - 3.65% Plus 7% VAT |
| Pay Solutions | SMEs | Cards: Mastercard®, Visa, JCB, UnionPay, and Amex PromptPay QR Code Mobile & Internet banking: Major Thai banks Digital wallets: TrueMoney Wallet, Alipay, WeChat Pay | 1%-5.5% Plus 7% VAT |
| PayPal | SMEs | Cards: Visa, Mastercard®, Discover, or American Express card Bank account | 3.90%-4.40% Plus fixed fee |
| TrueMoney | Local Thai businesses | PromptPay QR Code TrueMoney Wallet | THB20 withdrawal fees from TrueMoney account to a bank account |
2C2P is a major payment gateway provider headquartered in Singapore, catering to large enterprise businesses throughout Southeast Asia. Apart from accepting payment, it provides value-added services like mass payout capabilities, international funds transfer, and card solutions.
While starting in the Asia market, 2C2P is extending its network to connect Southeast Asia to the Americas, Europe, and the Middle East.
2C2P has served various industries, including airlines, insurance, marketplaces, retail, F&B, and hospitality. It is trusted by major global brands, such as Lazada, AirAsia, and Lenovo.
2C2P supports over 250 payment methods, including Thailand's preferred channels, primarily
2C2P charges transaction fees as a percentage. The fee range varies depending on the payment method.
As the fee structure is not public, you may want to visit the 2C2P contact page and request a quote. To do so, provide your information, choose interested solutions, fill in your inquiry details, and submit the form.
Opn Payments, formerly Omise, is a trusted payment gateway solution for businesses of all sizes. It provides a wide suite of payment solutions, from online payment processing and API integrations for ecommerce sites to contactless storefront payments via tags.
Starting in Thailand, Opn Payments is now expanding to serve markets like Japan, Singapore, Malaysia, Indonesia, the Philippines, and Vietnam, with the vision to make paying fast and secure for customers across different platforms.
It has served various industries, including marketplaces, restaurant chains, and online service platforms. Notable names include True, ICBC, and Pomelo.
Among the many choices, ones that are aligned with Thailand's preferred channels include
| Transaction Fees Opn Payments applies a transaction fee, along with 7% VAT | |
|---|---|
| Payment method | Amount (before 7% VAT is added) |
| Mobile banking | THB10 |
| PromptPay, Citi Pay with Points, Alipay (Storefront) | 1.65% |
| Credit cards, Debit cards, Google Pay, Alipay (Online), Internet banking, Rabbit LINE Pay* | 3.65% |
| TrueMoney Wallet* | 2.65% |
| Transfer Fees You'll be charged a transfer fee when you move money from your Opn Payments account into linked bank accounts | |
| Transfers of 2 million THB or less | THB30 |
| Transfers exceeding 2 million THB | THB150 |
| Other Fees | |
| Setup fees | ❌ |
| Monthly fee | ❌ |
| Minimum usage amount | ❌ |
*If you are selling digital goods, review Opn Payments fees for digital content business.
🔎 Pro Tip: You can request a fee reduction with Opn Payments. Eligibility is based on sales volume, basket size, business types, and risk level.
Pay Solutions is a Thai payment service company with over 17 years of experience in the market (formerly Thaiepay). They are focused on developing solutions to fully meet the needs of ecommerce merchants, both for online and offline sales channels.
Pay Solutions has served a variety of small to medium domestic Thai businesses.
Various payment methods are compatible with Thailand's preferred channels, including
| Transaction Fees Pay Solutions applies a transaction fee, along with 7% VAT | |
|---|---|
| Payment method | Amount (before 7% VAT is added) |
| Credit and debit cards, mobile banking, internet banking | 3% |
| PromptPay QR Code | 1% |
| International QR Code | 3% (conditions applied) |
| TrueMoney, Alipay | 2% |
| PayPal | 5.5% |
| Transfer Fees You'll be charged a transfer fee when you move money from your Opn Payments account into linked bank accounts | |
| Amount not exceeding 2,000,000 THB/time | THB12-20 |
| Other Fees | |
| Refund fees for any payment made over 7 days | THB300 |
Trusted in over 200 countries, PayPal's worldwide name recognition, reliability, and customer preference place it among the top global payment gateway brands.
PayPal was relaunched in Thailand in 2021 to comply with the Thai government's new regulations and now operates as PayPal (Thailand). A key update mandates that Personal accounts must be registered with the user's Thai National ID cards.
For businesses, PayPal still supports online transactions worldwide, whether sending or receiving. You can accept payments, send invoice links through email, and enjoy world-class safety.
To receive payments for your business in Thailand via PayPal, you can sign up for a business account and learn how to add PayPal payments to your website.
| Fee Type | Amount |
| Commercial transactions within Thailand (TH) | 3.90% + fixed fee based on currency |
| Commercial transactions outside Thailand (TH) | 4.40% + fixed fee based on currency |
| Payout | 2% (conditions applied) |
| Monthly Fee | ❌ |
| Signup Fee | ❌ |
| Cancellation Fee | ❌ |
While TrueMoney is best known for its “TrueMoney Wallet” e-wallet, its "TrueMoney for Business" or “True Smart Merchant” solution offering integrated merchant services to boost business potential is not to be missed.
With "TrueMoney for Business," you can tap into their vast customer network of over 27 million users, accept payment via TrueMoney Wallet, issue coupons, offer loyalty points, boost conversions through ads, and send payouts to employees through “TrueMoney Payouts” to reduce cash handling costs.
| Fee Type | Amount |
| Merchant Top-up | Only through Boonterm, True Mini, and Easy top-up kiosk |
| Payment handling fees (For True Smart Merchant only) | ❌ |
| Withdrawal fees from TrueMoney to another bank account | THB20 |
| Registration fee | ❌ |
And that wraps up our featured selections!
In general, look for payment solutions that accept major Thai banks, e-wallets, and universal options like major credit cards, Google Pay, etc.
The key factors are your business size, specific requirements, and the service provider’s pricing that’s acceptable for your margins.
We hope this list of the best payment gateways in Thailand has helped you find the right payment gateway for your business.
