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. 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).
- SEA
- Thailand
- Singapore
- Malaysia
- Japan
Integrations
- Payment
- PromptPay
- TrueMoney
- Rabbit LINE Pay
- SCB Easy
- KBank
- Krungsri
- Other
- API
This profile was researched and written with AI from Opn Payments'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.
How listings and corrections work →- ↗Opn/Omise Thailand rate card: credit and debit cards 3.65% per transaction, PromptPay QR 1.65%, direct debit and mobile banking THB 10 flat, ShopeePay and TrueMoney 2.65%, SPayLater 5%, Atome 6%, subject to 7% VATverified 2026-09-14
- ↗Opn/Omise Malaysia rate card: cards 2.50% domestic and 3.80% international, DuitNow QR 1.50%, DuitNow FPX internet banking MYR 1.50 flat, Touch n Go / Boost / GrabPay / ShopeePay / Maybank QR 1.50%, Atome 6.00% + MYR1.20verified 2026-09-14
- ↗Opn/Omise Singapore rate card: cards 3.30% + SGD 0.30, PayNow 1.00% + SGD 0.15, OCBC Digital 1.00% + SGD 0.15, GrabPay and ShopeePay 2.80% + SGD 0.15, Atome 5.50% + SGD 0.15verified 2026-09-14
- ↗Opn Payments Official Website
- ↗Opn Payments Pricing Plans
- ↗SEA Operational Audit 2026
"Verified" means read on the vendor's own published pages on the date shown. We do not run hands-on tests, and a statement a vendor confirmed to us directly is labelled as vendor-confirmed. Software-listing.com is independent and may earn affiliate commissions from some links.
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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.
Is Omise the same company as Opn Payments?
Yes. Omise was the Bangkok-founded payment gateway's original name; it rebranded to Opn Payments in 2021 as the company expanded beyond payments into a broader digital-services group. The underlying Thai-founded payment gateway team, API, and merchant base carried over under the Opn brand — searches for 'Omise' and 'Omise company' refer to the same product now marketed as Opn Payments.
How much does Opn Payments charge in each market?
Opn publishes a rate card per country. Read on 2026-09-14: in Thailand, cards 3.65% and PromptPay 1.65% (plus 7% VAT); in Malaysia, domestic cards 2.50%, international cards 3.80% and DuitNow 1.50%; in Singapore, cards 3.30% + SGD 0.30 and PayNow 1.00% + SGD 0.15. The national QR rail is the cheapest percentage method in all three.