Payment Gateway Thailand: PromptPay and Card Fees Compared 2026
A neutral comparison of Thai payment gateways — Opn Payments, Beam Checkout, 2C2P, KBank and SCB — on PromptPay and card fees, plus the Bank of Thailand rule most vendor pages don't mention: it caps P2P transfers, not merchant acceptance.
PromptPay is free or capped for person-to-person transfers under a Bank of Thailand fee table, and it is easy to assume that protection extends to merchants too. It does not. Merchant PromptPay and card acceptance fees are set commercially by each bank or payment provider, and in 2026 they range from Beam Checkout's advertised zero-fee PromptPay rate to Opn's 1.65%, with Thailand's two big bank-issued gateways, KBank and SCB, not publishing a rate at all. For a fast self-serve setup with a published rate, Opn or Beam Checkout are the easiest to compare online; for enterprise or multi-rail orchestration, 2C2P; for merchants already banking with KBank or SCB who want installment plans built in, the bank gateways are worth applying to directly even without a public rate card.
| Gateway | PromptPay / QR fee | Card fee | Setup |
|---|---|---|---|
| Opn Payments | 1.65% | 3.65% | Free, self-serve API |
| Beam Checkout | 0% (advertised zero-fee PromptPay) | 1.8% | Free, self-serve |
| 2C2P | Custom/usage-based (enterprise quote) | Custom/usage-based (enterprise quote) | Sales-assisted, enterprise |
| K Payment Gateway (KBank) | Not published — bank application required | Not published — bank application required | ~3 weeks, bank application |
| SCB Payment Gateway | Not published — illustrative fee formula only | Not published — illustrative fee formula only | Bank application, eligibility criteria apply |
SEA Operational Reasoning
The biggest misconception in this category is treating PromptPay as uniformly cheap or free because the Bank of Thailand publishes a capped fee table for it — that table covers person-to-person and interbank transfers, not what a business pays to accept PromptPay as a merchant. Once that's separated out, the real spread shows up: Beam Checkout advertises a zero-fee PromptPay rate with card acceptance at 1.8%, Opn charges 1.65% for PromptPay and 3.65% for cards but backs it with a genuinely well-documented developer API and BNPL options via KBank and Krungsri installments, and 2C2P sits above both as a full orchestration platform quoted per merchant rather than a fixed rate. The two bank-issued gateways, KBank and SCB, don't compete on a published rate at all — they suit a merchant who already banks there, wants card installments or SCB EASY App integration, and is willing to go through an application (KBank cites roughly three weeks) instead of instant online signup.
Related Expert Guides
The questions operators actually ask.
Does the Bank of Thailand set a fixed PromptPay merchant fee?
No. The Bank of Thailand's own published PromptPay fee table only caps person-to-person and interbank transfer fees — free under 5,000 THB, then a small capped fee at higher amounts — not what a business pays to accept PromptPay as a merchant. Merchant PromptPay and QR acceptance fees are set commercially by each bank or payment provider, which is why they range from an advertised 0% (Beam Checkout) to about 1.65% (Opn) in this comparison.
Should I use KBank or SCB for a payment gateway?
Neither bank publishes a fixed merchant discount rate — both require an application and a negotiated rate. If you already bank with one of them and want card installments or app-based debit built in, applying directly can make sense. If you want to see a published rate before committing, Opn or Beam Checkout are faster to compare, since both quote their PromptPay and card fees openly.
Is Beam Checkout's zero-fee PromptPay rate really free?
Beam Checkout advertises PromptPay acceptance at 0% alongside a published 1.8% card rate. As with any payment provider, confirm the current terms directly on Beam's own pricing page before committing, since fee structures on the card side or for higher volumes can differ from the headline rate.