PAYMENT METHODS

Thailand Payment Methods

This document provides comprehensive information about payment methods available in Thailand for both Pay-In and Pay-Out transactions.

Pay-In Transaction Methods

Pay-In methods allow customers to send money to your account through various payment channels.

Method	Type	Description
QRPAY	String	QR Code Payment Method - A revolutionary mobile payment solution that enables instant transactions through QR code scanning. This method features a 10-minute expiration time and supports all major mobile banking apps in Thailand including PromptPay, True Money, and other QR-enabled payment applications. Customers simply scan the generated QR code using their mobile banking app to complete payments instantly. With a transaction range of 1-50,000 THB, QRPAY is widely accepted across Thailand and provides real-time payment confirmation, making it ideal for retail stores, restaurants, and e-commerce platforms. The instant processing time and high acceptance rate make it the preferred choice for quick, secure transactions.
BANK	String	Online Bank Transfer - A traditional yet reliable payment method that enables customers to transfer funds directly from their bank accounts through internet banking or mobile banking applications. This method offers a 24-hour payment window, making it suitable for larger transactions and business payments. Supporting all major Thai banks, it provides detailed transaction records and unique reference numbers for payment tracking. With a transaction range of 1-200,000 THB and processing time of 1-3 hours, BANK transfers are perfect for business-to-business transactions, large purchases, and situations where customers prefer traditional banking security. The extended payment window allows customers flexibility in completing their transactions.

QRPAY Payment Method

QRPAY is a popular mobile payment method in Thailand that allows customers to scan QR codes for instant payments.

Key Features:

Instant Processing: Real-time payment confirmation within seconds
Mobile-First Design: Optimized for smartphone users and mobile banking apps
Universal Acceptance: Supported by all major Thai banks and payment apps
Enhanced Security: Encrypted QR codes with time-limited validity
Cost-Effective: Lower transaction fees compared to traditional methods
User-Friendly: Simple scan-and-pay process for customers

Usage Example:

{
  "paymentMethod": "QRPAY",
  "amount": 1000.00,
  "currency": "THB",
  "expirationTime": 600
}

Response Example:

{
  "qrCode": "data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAA...",
  "qrCodeUrl": "https://api.example.com/qr/123456789",
  "expiresAt": "2024-01-15T10:30:00Z"
}

BANK Transfer Method

BANK method enables customers to transfer funds directly from their bank accounts.

Key Features:

Extended Payment Window: 24-hour validity period for customer convenience
Higher Transaction Limits: Supports larger amounts up to 200,000 THB
Traditional Security: Leverages established banking infrastructure
Detailed Records: Comprehensive transaction history and tracking
Business-Friendly: Ideal for B2B transactions and corporate payments
Reliable Processing: Consistent 1-3 hour processing time

Usage Example:

{
  "paymentMethod": "BANK",
  "amount": 5000.00,
  "currency": "THB",
  "expirationTime": 86400
}

Pay-Out Transaction Methods

Pay-Out methods allow you to transfer funds to customers' bank accounts in Thailand.

Method	Type	Description
KBANK	String	Kasikorn Bank Plc. - Thailand's leading digital bank with the most extensive branch network and cutting-edge digital banking services. As one of the country's largest commercial banks, KBANK offers 24/7 online banking and mobile app support. With a transfer limit of 500,000 THB and processing time of 1-2 hours, it provides exceptional reliability and speed for both personal and business transactions. The bank's innovative digital solutions and nationwide presence make it a preferred choice for modern banking needs.
BBL	String	Bangkok Bank Plc. - Thailand's largest bank by total assets, offering comprehensive banking services including retail, corporate, and international banking. With a transfer limit of 500,000 THB and 1-2 hour processing time, BBL provides unmatched stability and extensive financial services. The bank's strong international presence and corporate banking expertise make it ideal for businesses with global operations and high-value transactions.
KTB	String	Krung Thai Bank - State-owned commercial bank with strong government backing and nationwide presence. Offering a wide range of financial services with a transfer limit of 500,000 THB and 1-2 hour processing time, KTB combines the security of government ownership with modern banking technology. The bank's extensive branch network and government support ensure reliable service across all regions of Thailand.
T_ABN	String	ABN Amro Bank N.V. - International bank specializing in corporate and investment banking services in Thailand. With a focus on multinational corporations, T_ABN offers a transfer limit of 200,000 THB and 2-4 hour processing time. The bank's global expertise and corporate banking specialization make it ideal for international businesses and high-value corporate transactions.
TTB	String	TMBThanachart - Digital-first bank resulting from the merger of TMB Bank and Thanachart Bank, offering innovative banking solutions with a mobile-first approach. With a transfer limit of 300,000 THB and 1-3 hour processing time, TTB combines traditional banking stability with modern digital innovation, making it perfect for tech-savvy customers and businesses embracing digital transformation.
T_SCB	String	Siam Commercial Bank - Thailand's first bank, providing comprehensive financial services including retail, corporate, and investment banking. With strong digital capabilities, a transfer limit of 500,000 THB, and 1-2 hour processing time, SCB offers a perfect blend of tradition and innovation. The bank's pioneering role in Thai banking and extensive service portfolio make it a trusted choice for all types of financial transactions.
T_UOB	String	UOB Bank Plc. - Singapore-based bank with strong presence in Thailand, offering retail and corporate banking services with regional connectivity. With a transfer limit of 300,000 THB and 1-3 hour processing time, T_UOB provides excellent regional banking services and international connectivity, making it ideal for businesses with ASEAN operations and customers requiring cross-border banking services.
BAY	String	Bank of Ayudhya / Krungsri - Major commercial bank known for innovative digital banking solutions and strong retail banking presence. With an extensive ATM network, transfer limit of 500,000 THB, and 1-2 hour processing time, BAY excels in retail banking and digital innovation. The bank's focus on customer experience and technological advancement makes it a preferred choice for retail customers and small businesses.
T_CIMB	String	CIMB Thai Bank Public Company Limited - Malaysian bank group's Thai subsidiary offering retail and corporate banking with focus on ASEAN connectivity. With a transfer limit of 300,000 THB and 1-3 hour processing time, T_CIMB provides excellent regional banking services and cross-border transaction capabilities, making it ideal for businesses operating across Southeast Asia.
LHBANK	String	Land and Houses Bank Public Company Limited - Specialized bank focusing on housing finance and real estate development with government housing initiatives support. With a transfer limit of 200,000 THB and 2-4 hour processing time, LHBANK specializes in real estate financing and housing-related transactions, making it the preferred choice for property developers and homebuyers.
GSB	String	Government Savings Bank - State-owned bank providing accessible banking services to all segments of society with focus on savings and small loans. With a transfer limit of 100,000 THB and 2-4 hour processing time, GSB serves the broader population with accessible banking services and government-backed security, making it ideal for individual customers and small businesses.
KKP	String	Kiatnakin Phatra Bank Public Company Limited - Investment bank and securities company offering specialized financial services including investment banking and wealth management. With a transfer limit of 200,000 THB and 2-4 hour processing time, KKP specializes in investment services and wealth management, making it ideal for high-net-worth individuals and investment-focused customers.
CITI	String	Citibank N.A. - Global bank providing international banking services with focus on multinational corporations and high-net-worth individuals in Thailand. With a transfer limit of 500,000 THB and 1-2 hour processing time, CITI offers world-class international banking services and global connectivity, making it perfect for multinational corporations and customers requiring international banking solutions.
GHB	String	Government Housing Bank - Specialized state-owned bank focusing on housing finance and development with government housing policy support. With a transfer limit of 100,000 THB and 2-4 hour processing time, GHB specializes in housing finance and government housing initiatives, making it the preferred choice for homebuyers and housing developers.
BAAC	String	Bank for Agriculture and Agricultural Cooperatives - Specialized bank supporting agricultural sector with rural development focus and cooperative banking services. With a transfer limit of 100,000 THB and 2-4 hour processing time, BAAC serves the agricultural community and rural development, making it ideal for farmers, agricultural businesses, and rural communities.
MHCB	String	Mizuho Corporate Bank Limited - Japanese bank providing corporate banking services with focus on Japanese companies and international trade finance. With a transfer limit of 200,000 THB and 2-4 hour processing time, MHCB specializes in Japanese corporate banking and international trade finance, making it ideal for Japanese companies operating in Thailand and international trade businesses.
IBANK	String	Islamic Bank of Thailand - Specialized Islamic banking institution offering Shariah-compliant financial products and services for Muslim community. With a transfer limit of 100,000 THB and 2-4 hour processing time, IBANK provides Islamic banking services and Shariah-compliant financial products, making it the preferred choice for Muslim customers and businesses requiring Islamic banking solutions.
TISCO	String	TISCO Bank Plc. - Specialized bank focusing on consumer finance and auto loans with strong digital banking platform and innovative financial products. With a transfer limit of 200,000 THB and 2-4 hour processing time, TISCO specializes in consumer finance and automotive lending, making it ideal for car buyers and customers requiring consumer financing solutions.

Bank Transfer Requirements

When using Pay-Out methods, you need to provide the following information:

Required Fields:

accountNumber: Customer's bank account number
accountName: Customer's account holder name
bankCode: Bank identifier (automatically set based on payment method)
amount: Transfer amount in THB
currency: Must be "THB"

Pay-Out Request Example:

{
  "paymentMethod": "KBANK",
  "accountNumber": "1234567890",
  "accountName": "John Doe",
  "amount": 1000.00,
  "currency": "THB",
  "reference": "PAYOUT-2024-001",
  "description": "Payment for services"
}

Pay-Out Response Example:

{
  "transactionId": "TXN123456789",
  "status": "PROCESSING",
  "estimatedCompletion": "2024-01-15T12:30:00Z",
  "reference": "PAYOUT-2024-001"
}

Implementation Guidelines

1. Payment Method Selection

Choose the appropriate payment method based on your use case:

QRPAY: For retail, e-commerce, and quick payments
BANK: For larger amounts and business transactions
Bank Transfers: For payouts to customers

2. Error Handling

Handle common errors when using payment methods:

try {
  const response = await createPayment({
    paymentMethod: "QRPAY",
    amount: 1000,
    currency: "THB"
  });
} catch (error) {
  if (error.code === "PAYMENT_EXPIRED") {
    // Handle expired payment
  } else if (error.code === "INSUFFICIENT_FUNDS") {
    // Handle insufficient funds
  } else if (error.code === "INVALID_ACCOUNT") {
    // Handle invalid account details
  }
}

3. Webhook Notifications

Set up webhooks to receive payment status updates:

// Webhook endpoint
app.post('/webhook/payment', (req, res) => {
  const { transactionId, status, paymentMethod } = req.body;
  
  switch (status) {
    case 'COMPLETED':
      // Handle successful payment
      break;
    case 'FAILED':
      // Handle failed payment
      break;
    case 'EXPIRED':
      // Handle expired payment
      break;
  }
  
  res.status(200).json({ received: true });
});

4. Best Practices

Always validate payment method availability before processing
Implement proper error handling for all payment scenarios
Use webhooks for real-time status updates
Store transaction references for reconciliation
Implement retry logic for failed transactions
Monitor payment success rates by method

5. Security Considerations

Validate all input parameters
Use HTTPS for all API communications
Implement proper authentication
Log all payment activities
Monitor for suspicious transactions

Rate Limits

Payment Method	Rate Limit	Time Window
QRPAY	100/min	Per minute
BANK	50/min	Per minute
All Pay-Out	1000/day	Per day

Support

For technical support or questions about payment methods, please contact:

Email: [email protected]
Documentation: https://docs.example.comopen in new window
API Status: https://status.example.comopen in new window

PAYMENT METHODS

# Thailand Payment Methods

# Pay-In Transaction Methods

# QRPAY Payment Method

# BANK Transfer Method

# Pay-Out Transaction Methods

# Bank Transfer Requirements

# Implementation Guidelines

# 1. Payment Method Selection

# 2. Error Handling

# 3. Webhook Notifications

# 4. Best Practices

# 5. Security Considerations

# Rate Limits

# Support