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 |
The Tools in Detail
Opn Payments
Payments · Paid · Free tier · SEA, Thailand, Singapore, Malaysia, Japan · EN / TH / JA
Opn Payments (formerly Omise) is a Thai-founded payment gateway with a developer-friendly REST API covering credit cards, PromptPay, QR payments, internet banking, e-wallets, and BNPL across Thailand, Japan, Singapore, and Malaysia. Founded in 2013 in Bangkok, it serves merchants from solo founders to enterprise brands like ICBC, True Corporation, and Pomelo Fashion. The clean API documentation and SDKs in multiple languages make it a top choice for SEA developers who need a payment layer without the procurement friction of larger global PSPs.
Opn Payments is the default payment gateway recommendation for Thai-focused SaaS and e-commerce products because it was built by a team that understands PromptPay, local banking rails, and the Thai merchant mindset from day one. Most Thai developers have used Omise at some point in their careers. The 1.65% PromptPay rate is competitive with 2C2P and lower than Stripe's Thai pricing. The developer documentation is genuinely good — webhook handling, idempotency keys, and error messages are clearly explained, which is not always true of regional PSPs. The main limitation is that support for deep Indonesian or Philippine payment methods (GoPay, GCash, OVO) is thinner than Xendit. Opn publishes a separate rate card per country, and the same pattern holds in all three SEA markets it prices: Thailand cards 3.65% against PromptPay 1.65%; Malaysia domestic cards 2.50% (international 3.80%) against DuitNow 1.50%; Singapore cards 3.30% + SGD 0.30 against PayNow 1.00% + SGD 0.15. In every market the national QR rail is the cheapest percentage method on the page (read 2026-09-14).
Best for: Thai e-commerce founders and SaaS companies building their first payment integration without enterprise contracts; Singapore and Malaysia startups needing a trusted SEA-native PSP with multi-country support; Marketplace and platform builders needing split-payment and sub-account capabilities across SEA; International brands entering the Thai market who need PromptPay and TrueMoney alongside international cards
Beam
SaaS · Paid · Free tier · Thailand, SEA · th / en
Beam is a Bangkok-based payments company offering in-person (Beam Bolt), online (Beam Checkout), and embedded (Beam Bridge) payment products for Thai and Southeast Asian merchants. It processes PromptPay QR payments for free, cards from a 1.8% merchant discount rate, and supports Thai e-wallets including TrueMoney, ShopeePay, and LINE Pay alongside Alipay and WeChat Pay.
Beam processes PromptPay, Thailand's national real-time payment system, at zero transaction fees, and natively supports TrueMoney and ShopeePay, two e-wallets with high penetration among Thai consumers, plus 8+ Thai installment-bank options. It operates under Bank of Thailand compliance and PCI DSS certification, and is backed by Peak XV Partners (formerly Sequoia Capital India/SEA), Partech, and SEA X Ventures. Its published ladder, read on 2026-09-14: QR PromptPay starts from free, non-premium cards 1.80%, premium cards 2.75%, overseas cards 3.25%, American Express 3.50%, e-wallet 2.20%, instalments 1.95% + 0.80% per month. Settlement is T+1 on PromptPay and T+3 on cards and everything else.
Best for: Thai fashion, home, electronics, and hospitality merchants selling in-store and online; Social commerce sellers needing fast checkout across chat and social channels; Merchants wanting zero-fee PromptPay QR collection; Platforms embedding licensed Thai payment infrastructure via Beam Bridge
2C2P
saas-tools · Paid · SG, TH, MY, ID, PH, VN · EN
2C2P is a Singapore-headquartered payments platform, part of Antom, offering over 400 payment options across six Southeast Asian markets (Indonesia, Malaysia, the Philippines, Singapore, Thailand, Vietnam) with offices in Bangkok, Kuala Lumpur, Manila, Jakarta, Hanoi and Ho Chi Minh City. It holds a Major Payment Institution licence from the Monetary Authority of Singapore and names Thai Airways, Malaysia Airlines, Cebu Pacific, Bangkok Airways, Nok Air and Thai Lion Air as airline customers.
2C2P operates in six Southeast Asian markets with local offices in each and covers the national QR rails (PromptPay, DuitNow, QRIS, VNPAY) plus the regional wallets under one contract. Its airline customer list is Thai-heavy (Thai Airways, Bangkok Airways, Nok Air, Thai Lion Air), and PromptPay is interoperable for cross-border payments with Malaysia, Singapore, Cambodia and Vietnam per its Thailand page.
Best for: Airlines and travel companies processing payments across multiple SEA markets; Large retail chains needing unified payment acceptance across Thailand, Malaysia, and Indonesia; Subscription businesses managing recurring billing with local payment methods; Marketplaces requiring split payment and multi-merchant settlement
K Payment Gateway (KBank)
Finance · Paid · Thailand · EN / TH
K Payment Gateway is Kasikornbank's own online payment product for Thai merchants, supporting cards, Thai QR/PromptPay, Alipay, WeChat Pay and configurable installment plans through a K-Pay Button (embedded UI) or a direct API. Unlike fintech PSPs, it requires an existing (or newly opened) KBank business relationship and does not publish a fixed transaction fee — merchants apply through KBank's K-Merchant channel and receive a negotiated rate.
K Payment Gateway is Kasikornbank's own online payment product for Thai merchants, distinct from fintech PSPs like Opn or 2C2P — it requires an existing KBank business relationship and an application process (KBank cites roughly three weeks for approval), and does not publish a fixed merchant discount rate on its own site; pricing is negotiated per merchant via KBank's K-Merchant contact channel. This 'apply and negotiate' model is typical of Thailand's bank-issued gateways and mirrors SCB's own Payment Gateway product.
Best for: Registered Thai companies already banking with KBank; Merchants who want card installments built into checkout; Businesses that prefer a bank-run gateway over a fintech PSP; SMEs able to wait roughly three weeks for bank application approval
SCB Payment Gateway
Finance · Paid · Thailand · EN / TH
SCB Payment Gateway is Siam Commercial Bank's own merchant payment product, covering cards, PromptPay/Thai QR, SCB EASY App account-debit payments, credit card installments, and e-wallets including Rabbit LINE Pay, TrueMoney, Alipay and WeChat Pay. It requires an SCB business account and stated eligibility (at least 12 months of business registration and 1 million THB in registered capital), and does not publish a fixed MDR — its own help content gives only an illustrative fee-formula example.
SCB Payment Gateway is Siam Commercial Bank's own merchant payment product, requiring an SCB business account and stated eligibility criteria. Like KBank's gateway, SCB does not publish a fixed MDR — its own help content only gives an illustrative fee-formula example (MDR% × transaction amount, plus 7% VAT), explicitly telling merchants the real rate 'varies by agreement/transaction volume' and to contact the bank directly. SCB's Payment Link product is notable for letting merchants collect payment on social channels without developer integration.
Best for: Registered Thai companies (12+ months, 1M THB+ registered capital per SCB's stated eligibility) banking with SCB; Merchants wanting a no-code Payment Link for social selling; Businesses needing SCB credit card installments at checkout; SMEs that prefer negotiating with their existing bank over a fintech PSP
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.