How do people in Thailand pay online?
Thais pay from their banking apps. In the Ecommerce Payments Momentum Report 2026 by Xendit and Cube, 61% of shoppers in Thailand used account-to-account transfers for at least half of their online purchases. Security concerns were the top reason Thai shoppers abandoned a purchase (33%), and cross-border purchases were 15% of the market. Stripe, citing the Bank of Thailand, reports nearly 35.7 billion mobile banking transactions in 2024.
PromptPay is Thailand’s national electronic payment platform, launched in 2016. The Government Public Relations Department reported 77.6 million registrations in April 2024, a record of 75.9 million transactions in one day in December 2023, and an average of about 54.5 million transfers a day in 2023. At an online checkout the shopper sees a PromptPay QR code, scans it with a Thai banking app and approves the payment, and the merchant gets confirmation at once. Payment providers also offer direct mobile banking payments with Bangkok Bank, Kasikornbank, Krungsri, Krungthai and SCB.
Cards, wallets and cash complete the picture. Stripe lists credit cards among the popular ways to pay online, and Google Pay is available in Thailand. Payment providers such as Xendit offer the TrueMoney, ShopeePay and LINE Pay e-wallets. Cash on delivery is still listed among the popular ways to pay for online orders.
What rules shape online payments in Thailand?
VAT is 7%. The standard rate is 10%, but it has been reduced to 7% until 30 September 2027, and the government may extend the reduction.
Foreign e-service providers must register for VAT. A non-resident provider of electronic services or a platform operator must register and charge VAT when it earns more than THB 1.8 million a year from e-services to customers in Thailand who are not VAT registered.
Personal data falls under the Personal Data Protection Act, which became law on 28 May 2019 and took full effect on 1 June 2022. The Personal Data Protection Committee oversees it. A controller must report a breach to the regulator without undue delay and, where feasible, within 72 hours, and administrative fines reach THB 5 million.
How would Omno route payments in Thailand?
A merchant would connect once and set routing rules per method, currency and customer group. In Thailand:
- PromptPay payments would go to a provider that generates dynamic PromptPay QR codes, with the order pending until the provider confirms the payment.
- Mobile banking payments could be offered through a provider connected to the main Thai banks, so shoppers on a phone go straight to their banking app.
- Card pay-ins and Google Pay can be routed by BIN, with cascading to the next provider in the rule if one is unavailable or rejects the request.
- E-wallet pay-ins would go to providers that support TrueMoney, ShopeePay or LINE Pay in THB.
Webhooks would report the final status of every payment, and the routing-decision log would show which provider handled each payment and why.
What should merchants plan for?
Plan for PromptPay first. Most Thai shoppers pay from their banking apps, and a checkout without a QR or mobile banking option leaves out the method they use most.
Plan for trust at checkout. Security concerns are the top reason Thai shoppers abandon a purchase, so clear merchant names and familiar payment brands matter.
Plan for VAT on e-services. Check whether your e-service sales to Thai consumers pass THB 1.8 million a year.
Plan for PDPA duties, including a 72-hour breach reporting process.