Opn Payments
Bangkok-founded payment gateway trusted by 30,000+ Thai merchants with fast API integration across SEA
Opn Payments (formerly Omise) is a Bangkok-founded payment gateway best for Thai e-commerce founders, SaaS startups, and international brands entering Thailand who need PromptPay, TrueMoney, and credit cards through a developer-friendly API. Its SEA edge is the 1.65 percent PromptPay rate — the cheapest real-time payment method for Thai merchants — and SDKs across Ruby, Python, Node, PHP, Go, and Swift. The trade-off is that support for Indonesian and Philippine payment methods like GoPay, GCash, OVO is thinner than Xendit.
- ✓1.65 percent PromptPay rate beats Stripe's Thai pricing and matches 2C2P
- ✓Developer-first REST API with multi-language SDKs and clear webhook docs
- ✓BNPL via KBank and Krungsri installments built into the checkout flow
- ✓Multi-currency processing for SGD, MYR, JPY, USD alongside THB
- ×Indonesian and Philippine wallet coverage (GoPay, GCash, OVO) thinner than Xendit
- ×3.65 percent credit card rate is competitive but not the cheapest in Thailand
- ×No published affiliate or partner program for resellers
- ×Settlement timing varies by method — PromptPay fastest, cards slower
About Opn Payments
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.
Key Features
Best For
Southeast Asia Fit
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.
- SEA
- Thailand
- Singapore
- Malaysia
- Japan
Integrations
- Payment
- PromptPay
- TrueMoney
- Rabbit LINE Pay
- SCB Easy
- KBank
- Krungsri
- Other
- API
We verify pricing and features via official vendor documentation and live platform audits. Software-listing.com is independent and may earn affiliate commissions from some links.
Related Analysis & Guides
The questions operators actually ask.
Is Opn Payments cheaper than Stripe in Thailand?
For PromptPay, yes — Opn's 1.65 percent PromptPay rate is meaningfully lower than Stripe's Thai card pricing. For credit cards, the two are closer. Most Thai merchants pick Opn because PromptPay dominates real-time payment volume.
Does Opn Payments work for SEA multi-country merchants?
Partially — Opn covers Thailand, Singapore, Malaysia, and Japan natively. For deep Indonesian or Philippine payment methods, Xendit is usually a better stack-mate. For Thailand-anchored SEA operations, Opn is the right pick.
How good is Opn's developer documentation?
Genuinely good — webhook handling, idempotency keys, and error messages are clearly explained, which is not always true of regional PSPs. SDKs cover Ruby, Python, Node.js, PHP, Go, and Swift, so most stacks integrate quickly.