{"id":29490,"date":"2026-03-24T10:00:09","date_gmt":"2026-03-24T02:00:09","guid":{"rendered":"https:\/\/paydibs.com\/?p=29490"},"modified":"2026-03-24T12:44:49","modified_gmt":"2026-03-24T04:44:49","slug":"payment-system-prompt-pay","status":"publish","type":"post","link":"https:\/\/paydibs.com\/zh\/payment-system-prompt-pay\/","title":{"rendered":"PromptPay: How Thailand\u2019s Payment System is Used Regionally"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"29490\" class=\"elementor elementor-29490\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d3eadb8 e-con-full e-flex e-con e-parent\" data-id=\"d3eadb8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c813d3d e-con-full e-flex e-con e-child\" data-id=\"c813d3d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1b4beaf e-con-full e-flex e-con e-child\" data-id=\"1b4beaf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aa24ee8 elementor-widget elementor-widget-image\" data-id=\"aa24ee8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/paydibs.com\/wp-content\/uploads\/2026\/03\/promptpay-how-thailands-payment-system-is-used-regionally.jpg\" class=\"attachment-full size-full wp-image-29491\" alt=\"One couple travelling in Thailang using PromptPay\" srcset=\"https:\/\/paydibs.com\/wp-content\/uploads\/2026\/03\/promptpay-how-thailands-payment-system-is-used-regionally.jpg 1920w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/03\/promptpay-how-thailands-payment-system-is-used-regionally-300x169.jpg 300w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/03\/promptpay-how-thailands-payment-system-is-used-regionally-1024x576.jpg 1024w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/03\/promptpay-how-thailands-payment-system-is-used-regionally-768x432.jpg 768w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/03\/promptpay-how-thailands-payment-system-is-used-regionally-1536x864.jpg 1536w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/03\/promptpay-how-thailands-payment-system-is-used-regionally-18x10.jpg 18w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f8ec980 elementor-widget elementor-widget-text-editor\" data-id=\"7f8ec980\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><em>Disclaimer: <\/em><\/strong><em>This article is intended for general informational purposes only and does not constitute financial, legal, or regulatory advice. PromptPay cross-border availability, supported corridors, settlement terms, and FX handling depend on regional agreements and payment infrastructure providers. Merchants should verify availability directly with their providers.<\/em><\/p><h3><strong>Key Takeaways<\/strong><\/h3><ul><li><strong>Regional QR connectivity:<\/strong> PromptPay enables Thai customers to pay overseas merchants by scanning interoperable QR codes, such as Malaysia\u2019s DuitNow QR.<\/li><li><strong>Familiar user experience:<\/strong> Customers use their Thai banking apps, see amounts in THB, while merchants receive settlement in local currency.<\/li><li><strong>No Thai bank account required:<\/strong> Overseas merchants can accept these payments through a local payment gateway without a Thai entity.<\/li><li><strong>Lower checkout friction:<\/strong> QR payments remove the need for card entry or cash, improving conversion for Thai users.<\/li><li><strong>Instant confirmation:<\/strong> Payments are processed in real time, providing immediate status to both buyer and merchant.<\/li><\/ul><p>Regional commerce in Southeast Asia is no longer driven solely by global card networks. While credit cards remain widely accepted, QR-based payment systems have become the default way people pay in everyday transactions.<\/p><p>For businesses selling across borders, this shift changes how checkout needs to work. An <span style=\"text-decoration: underline; color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/paydibs.com\/\"><b>online payment gateway<\/b><\/a><\/span><span style=\"font-weight: 400;\"> that supports regional payment methods is no longer just a technical choice, <\/span>it can significantly influence checkout conversion rates by aligning with how customers prefer to pay using familiar local tools.<\/p><p>In Thailand, this behaviour is led by PromptPay. Although PromptPay is a domestic real-time payment system, it is now used in cross-border scenarios through regional QR interoperability. When supported by payment infrastructure such as <strong>Paydibs Nexus<\/strong>, merchants can offer PromptPay as part of an online checkout, allowing Thai customers to pay using their usual banking apps while merchants receive settlement locally.<\/p><h2><strong>What is PromptPay?<\/strong><\/h2><p>PromptPay is Thailand\u2019s national real-time payment system that allows users to send and receive money instantly using a mobile number, national ID, or QR code.<\/p><p>Launched in 2016, PromptPay has become deeply embedded in daily life. It is commonly used for everything from small retail purchases to large transfers, making it the default payment method for many Thai consumers.<\/p><h2><strong>PromptPay: Domestic vs Cross-Border Use<\/strong><\/h2><table width=\"602\"><tbody><tr><td width=\"155\"><p><strong>Feature<\/strong><\/p><\/td><td width=\"204\"><p><strong>PromptPay (Domestic)<\/strong><\/p><\/td><td width=\"242\"><p><strong>PromptPay (Cross-Border QR)<\/strong><\/p><\/td><\/tr><tr><td width=\"155\"><p>Primary identifier<\/p><\/td><td width=\"204\"><p>Mobile number or national ID<\/p><\/td><td width=\"242\"><p>Interoperable QR code<\/p><\/td><\/tr><tr><td width=\"155\"><p>Currency<\/p><\/td><td width=\"204\"><p>Thai Baht (THB)<\/p><\/td><td width=\"242\"><p>Multi-currency with FX at checkout<\/p><\/td><\/tr><tr><td width=\"155\"><p>User app<\/p><\/td><td width=\"204\"><p>Thai banking apps<\/p><\/td><td width=\"242\"><p>Thai banking apps<\/p><\/td><\/tr><tr><td width=\"155\"><p>Merchant requirement<\/p><\/td><td width=\"204\"><p>Thai bank account<\/p><\/td><td width=\"242\"><p>Local payment gateway<\/p><\/td><\/tr><\/tbody><\/table><h2><strong>How PromptPay Works Across Borders<\/strong><\/h2><p>PromptPay does not operate internationally on its own. Cross-border usage is enabled through bilateral and multilateral agreements between central banks, often referred to as ASEAN payment connectivity or QR interoperability.<\/p><p>When a Thai customer scans a supported QR code in Malaysia, such as a DuitNow QR, the flow typically works as follows:<\/p><ol><li><strong>Scanning:<\/strong> The customer scans the merchant\u2019s QR using a Thai banking app.<\/li><li><strong>Conversion:<\/strong> The app displays the exchange rate and final amount in THB.<\/li><li><strong>Authorization:<\/strong> The customer confirms the payment within the app.<\/li><li><strong>Settlement:<\/strong> Funds are routed through payment infrastructure and credited to the merchant in local currency.<\/li><\/ol><p>All of this happens within seconds.<\/p><p><img decoding=\"async\" class=\"alignnone size-full wp-image-29493\" src=\"https:\/\/paydibs.com\/wp-content\/uploads\/2026\/03\/payment-in-thailand-illustration-image.jpg\" alt=\"A woman travelling in Thailand checking the maps direction on her mobile device \" width=\"1920\" height=\"1080\" srcset=\"https:\/\/paydibs.com\/wp-content\/uploads\/2026\/03\/payment-in-thailand-illustration-image.jpg 1920w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/03\/payment-in-thailand-illustration-image-300x169.jpg 300w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/03\/payment-in-thailand-illustration-image-1024x576.jpg 1024w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/03\/payment-in-thailand-illustration-image-768x432.jpg 768w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/03\/payment-in-thailand-illustration-image-1536x864.jpg 1536w, https:\/\/paydibs.com\/wp-content\/uploads\/2026\/03\/payment-in-thailand-illustration-image-18x10.jpg 18w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/p><h2><strong>Why Merchants Accept PromptPay via QR Interoperability<\/strong><\/h2><p>Accepting local payment methods reduces checkout friction, especially for cross-border customers who may hesitate to enter card details or incur foreign transaction fees.<\/p><p>For many Thai users, mobile banking apps are their primary financial interface. Supporting PromptPay through interoperable QR payments can:<\/p><ul><li><strong>Increase conversion:<\/strong> Familiar payment methods encourage completion.<\/li><li><strong>Lower costs:<\/strong> QR payments often carry more competitive processing fees than cards.<\/li><li><strong>Reduce disputes:<\/strong> Payments are authorized within the customer\u2019s bank app, lowering chargeback risk.<\/li><\/ul><h2><strong>Where PromptPay Can Be Used Regionally<\/strong><\/h2><p>As of 2026, Thailand\u2019s QR interoperability network is live or advancing across several ASEAN markets, including:<\/p><ul><li>Malaysia via DuitNow QR<\/li><li>Singapore via NETS and PayNow<\/li><li>Indonesia via QRIS<\/li><li>Vietnam via VietQR<\/li><li>Cambodia via KHQR<\/li><\/ul><p>This allows a Malaysian merchant using a gateway such as <strong>Paydibs<\/strong> to display a DuitNow QR that is compatible with Thai banking apps, both in-store and online.<\/p><h2><strong>How Merchants Enable PromptPay Acceptance<\/strong><\/h2><p>Merchants do not connect directly to PromptPay or to Thai banks.<\/p><p>Instead, PromptPay acceptance in cross-border scenarios is enabled through local payment infrastructure that supports regional QR interoperability. Within a ready-to-deploy <span style=\"color: #0000ff;\"><strong><span style=\"text-decoration: underline;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"https:\/\/paydibs.com\/nexus-ecommerce-solution\/\">eCommerce solution<\/a><\/span><\/strong><\/span> environment such as <strong>Paydibs Nexus<\/strong>, PromptPay can be offered as one of the supported regional payment methods alongside cards and other local options, where corridors are available.<\/p><p><strong>In this setup<\/strong>:<\/p><ul><li>Thai customers scan an interoperable QR using their banking app<\/li><li>Currency conversion and routing are handled by the payment infrastructure<\/li><li>Merchants receive settlement in their local currency<\/li><li>All transactions appear within a single reporting and reconciliation flow<\/li><\/ul><p>This allows PromptPay to function as part of a broader checkout strategy rather than as a standalone system.<\/p><h2><strong>Conclusion: The Direction of ASEAN Cross-Border Payments<\/strong><\/h2><p>PromptPay\u2019s regional role highlights how Southeast Asia is moving toward borderless, mobile-first payments. Customers can pay using familiar local apps even when shopping abroad, while merchants avoid the complexity of managing multiple foreign payment systems.<\/p><p>For businesses targeting Thai customers, supporting interoperable QR payments is less about adopting a new system and more about aligning with how people already prefer to pay.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05ee387 elementor-widget elementor-widget-text-editor\" data-id=\"05ee387\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><strong>FAQs About PromptPay in Thailand<\/strong><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62a16f5 elementor-widget elementor-widget-n-accordion\" data-id=\"62a16f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1030\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1030\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does a merchant need a Thai bank account to accept PromptPay? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1030\" class=\"elementor-element elementor-element-9d83bfb e-con-full e-flex e-con e-child\" data-id=\"9d83bfb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb90a6f elementor-widget elementor-widget-text-editor\" data-id=\"fb90a6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>No. Settlement is made in the merchant\u2019s local currency through their payment gateway.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1031\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1031\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What exchange rate does the customer see? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1031\" class=\"elementor-element elementor-element-771d471 e-con-full e-flex e-con e-child\" data-id=\"771d471\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1031\" class=\"elementor-element elementor-element-2106c99 e-con-full e-flex e-con e-child\" data-id=\"2106c99\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8de0459 elementor-widget elementor-widget-text-editor\" data-id=\"8de0459\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The rate is set by participating banks at the time of payment and shown before confirmation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1032\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1032\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Are there transaction limits? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1032\" class=\"elementor-element elementor-element-3c072bb e-flex e-con-boxed e-con e-child\" data-id=\"3c072bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d05ef63 elementor-widget elementor-widget-text-editor\" data-id=\"d05ef63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes. Limits are determined by the customer\u2019s Thai bank, usually based on mobile banking transfer caps.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1033\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1033\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Can PromptPay be used for online purchases? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1033\" class=\"elementor-element elementor-element-e364de1 e-con-full e-flex e-con e-child\" data-id=\"e364de1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77b2994 elementor-widget elementor-widget-text-editor\" data-id=\"77b2994\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Yes. If the checkout displays a supported interoperable QR code, customers can scan it to pay.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1034\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1034\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Does PromptPay replace Visa or Mastercard? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1034\" class=\"elementor-element elementor-element-0f6c0cc e-flex e-con-boxed e-con e-child\" data-id=\"0f6c0cc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6716794 elementor-widget elementor-widget-text-editor\" data-id=\"6716794\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>No. It complements cards, especially for mobile-first and debit-style payments.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Does a merchant need a Thai bank account to accept PromptPay?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. Settlement is made in the merchant\\u2019s local currency through their payment gateway.\"}},{\"@type\":\"Question\",\"name\":\"What exchange rate does the customer see?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The rate is set by participating banks at the time of payment and shown before confirmation.\"}},{\"@type\":\"Question\",\"name\":\"Are there transaction limits?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. Limits are determined by the customer\\u2019s Thai bank, usually based on mobile banking transfer caps.\"}},{\"@type\":\"Question\",\"name\":\"Can PromptPay be used for online purchases?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes. If the checkout displays a supported interoperable QR code, customers can scan it to pay.\"}},{\"@type\":\"Question\",\"name\":\"Does PromptPay replace Visa or Mastercard?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. It complements cards, especially for mobile-first and debit-style payments.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9f6700 elementor-widget elementor-widget-text-editor\" data-id=\"b9f6700\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Share:<div class=\"addtoany_shortcode\"><div class=\"a2a_kit a2a_kit_size_32 addtoany_list\" data-a2a-url=\"https:\/\/paydibs.com\/zh\/payment-system-prompt-pay\/\" data-a2a-title=\"PromptPay: How Thailand\u2019s Payment System is Used Regionally\"><a class=\"a2a_button_facebook\" 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customers to pay overseas merchants through interoperable QR payments.<\/p>","protected":false},"author":3,"featured_media":29491,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"footnotes":""},"categories":[157],"tags":[],"class_list":["post-29490","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-payments-fintech"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>PromptPay: How Thailand\u2019s Payment System is Used Regionally<\/title>\r\n<meta name=\"description\" content=\"Learn how Thailand\u2019s PromptPay works in cross-border QR payments, how merchants accept it online, and how payment gateways support regional checkout.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link 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