Beam
Thai payments platform with zero-fee PromptPay and 1.8% card rates
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.
- ✓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
- ×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
Best For
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.
- Thailand
- SEA
Integrations
- Messaging
- LINE
- Payment
- PromptPay
- TrueMoney
- LINE Pay
- ShopeePay
- Alipay
- WeChat Pay
- Visa
- Mastercard
- Amex
- UnionPay
- SCB
- BAY
- KTC
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Related Analysis & Guides
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.