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Beam
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Beam

Thai payments platform with zero-fee PromptPay and 1.8% card rates

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•Updated September 2026
•Pricing Verified September 2026
•Features Verified September 2026
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Beam is a Bangkok-built payments platform best for Thai merchants across fashion, home, electronics, and hospitality who need in-person, online, or embedded checkout with zero-fee PromptPay collection. Its SEA edge is native PromptPay QR at zero fees, TrueMoney and ShopeePay wallet support, and 1-3 day merchant activation, all under Bank of Thailand and PCI DSS compliance. The caveat: its footprint outside Thailand is limited compared to pan-SEA gateways like Xendit or 2C2P, and card transactions still carry a 1.8%+ fee.

At a glance
Best For
Thai fashion, home, electronics, and hospitality merchants selling in-store and online
Pricing
Paid
Free Plan
Yes
+ What works
  • ✓Zero fees on PromptPay QR transactions
  • ✓Card merchant discount rate from 1.8%, described as up to 30% lower than competitors
  • ✓Native TrueMoney, ShopeePay, and LINE Pay support alongside Alipay and WeChat Pay
  • ✓PCI DSS certified and Bank of Thailand compliant
  • ✓Backed by Peak XV Partners, Partech, and SEA X Ventures; 1-3 day merchant activation
− What doesn't
  • ×Card transactions still carry a 1.8%+ merchant discount rate
  • ×Thailand-centric - smaller multi-country footprint than 2C2P or Xendit
  • ×Merchant base skews toward mid-to-large fashion, home, and electronics brands
  • ×No published self-serve pricing tiers beyond the PromptPay zero-fee and card-rate headlines

About Beam

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.

Key Features

✓ Zero-fee PromptPay QR payment acceptance
✓ Card acceptance from a 1.8% merchant discount rate (Visa, Mastercard, Amex, UnionPay)
✓ In-person payments via Beam Bolt device, online checkout via Beam Checkout, embedded infra via Beam Bridge
✓ Thai e-wallet support: TrueMoney, ShopeePay, LINE Pay, plus Alipay and WeChat Pay for Chinese shoppers
✓ 8+ installment bank options and mobile banking QR
✓ PCI DSS certified and Bank of Thailand compliant, with 1-3 day merchant activation
✓ Published card ladder: non-premium 1.80%, premium 2.75%, overseas 3.25%, American Express 3.50%
✓ PromptPay settles T+1; cards and all other methods settle T+3

Best For

Thai fashion, home, electronics, and hospitality merchants selling in-store and onlineSocial commerce sellers needing fast checkout across chat and social channelsMerchants wanting zero-fee PromptPay QR collectionPlatforms embedding licensed Thai payment infrastructure via Beam Bridge

Southeast Asia Fit

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.

Available in
  • Thailand
  • SEA

Integrations

Messaging
  • LINE
Payment
  • PromptPay
  • TrueMoney
  • LINE Pay
  • ShopeePay
  • Alipay
  • WeChat Pay
  • Visa
  • Mastercard
  • Amex
  • UnionPay
  • SCB
  • BAY
  • KTC

This profile was researched and written with AI from Beam's public pages, and AI assistants quote pages on this site. Something wrong or out of date? Email [email protected] with this page and a public source. Corrections are free, for every listing.

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Sources & verification

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Expert Guides Recommending Beam

FAQ · structured for LLM citation

The questions operators actually ask.

Does Beam charge fees for PromptPay payments?

No, Beam processes PromptPay QR payments for free, while card payments start from a 1.8% merchant discount rate.

What Thai e-wallets does Beam support?

TrueMoney, ShopeePay, and LINE Pay, alongside PromptPay QR, mobile banking, and international cards.

Is Beam compliant with Thai financial regulations?

Yes, Beam is Bank of Thailand compliant and PCI DSS certified.

How fast can a merchant start accepting payments with Beam?

Beam advertises a guaranteed 1-3 day start, or the first 30,000 THB in transactions are fee-free if that timeline is missed.

Pricing

Modeltransaction-fee
Free tier✓ Yes
0

Details

CategorySaaS
Languagesth, en
Updated2026-09-14