Payment Methods

Omise supports 40+ payment methods across Southeast Asia and Japan. Choose the right payment options for your customers.

Most Popular Methods

💳 Credit Cards

Universal acceptance across all regions. Supports 3D Secure, recurring payments, and pre-authorization.

📱 PromptPay

Thailand's national QR payment. Instant bank transfers with zero customer fees.

🏪 Konbini

Japan's convenience store payments. Trusted by customers who prefer cash.

💼 FPX

Malaysia's internet banking. Direct bank transfers from 19+ major banks.

40+ Payment Methods Available across Thailand 🇹🇭, Japan 🇯🇵, Singapore 🇸🇬, and Malaysia 🇲🇾

View Complete Selection Guide →

By Category

💳 Cards

Credit & Debit Cards

• Visa, Mastercard, JCB
• American Express, Diners Club, Discover
• 3D Secure support

Mobile Wallets

• Apple Pay
• Google Pay

Learn about Card Payments →

📱 Digital Wallets

• TrueMoney Wallet (Thailand) - 13M+ users
• GrabPay (Regional) - Super app ecosystem
• Rabbit LINE Pay (Thailand) - Popular messaging app
• ShopeePay (Regional) - E-commerce integration
• Touch 'n Go (Malaysia) - Leading e-wallet
• DANA (Indonesia) - Digital payment leader
• GCash (Philippines) - Mobile money service
• PayPay (Japan) - QR code payments
• WeChat Pay (China) - International travelers
• Alipay+ (Regional) - Multiple Asian wallets
• Boost (Malaysia) - Rewards-based wallet
• KakaoPay (Korea) - Messaging platform wallet

Browse All Digital Wallets →

🏦 Bank Transfers

Mobile Banking Apps

• Bangkok Bank (Bualuang mBanking)
• KBank (K PLUS)
• Krung Thai (KTB NEXT)
• Krungsri (KMA)
• SCB (SCB Easy)
• OCBC Digital

Internet Banking

• Thai Internet Banking
• Malaysia FPX (19+ banks)

Direct Debit

• Online Direct Debit

Learn about Bank Transfers →

QR Code Payments

• PromptPay (Thailand) - National QR standard
• PayNow (Singapore) - Singapore's instant payment
• DuitNow QR (Malaysia) - Malaysia's QR payment
• Maybank QR (Malaysia) - Bank-specific QR

Learn about QR Payments →

💰 Buy Now Pay Later

• Installments (Thailand) - 3, 4, 6, 10 months
• Atome (Regional) - Pay in 3 installments

Learn about BNPL →

🇯🇵 Japan-Specific

• Konbini - Convenience store payments
• Pay-easy - Bank ATM/online banking
• Online Banking - Direct bank integration

Learn about Japan Methods →

Quick Comparison Matrix

Method	Refundable	Settlement	Best For
Credit Cards	✅ Yes	2-3 days	All businesses
PromptPay	❌ No	Instant	Thailand
TrueMoney	✅ Yes	1-2 days	Thai users
Mobile Banking	❌ No	1-2 days	Bank customers
Konbini	❌ No	3-5 days	Japan cash users
Installments	✅ Yes	2-3 days	High-value items

View Complete Comparison →

How to Choose

By Customer Demographics

Young, Tech-Savvy

• Digital wallets (TrueMoney, GrabPay)
• QR payments (PromptPay)
• Mobile banking apps

General Population

• Credit/debit cards
• Internet banking
• Cash alternatives (Konbini)

International

• Credit cards
• WeChat Pay / Alipay
• Apple Pay / Google Pay

By Transaction Value

Small Amounts (< ฿500)

• QR payments (no fees)
• Digital wallets
• PromptPay

Medium Amounts (฿500-฿5,000)

• Credit cards
• Digital wallets
• Mobile banking

Large Amounts (> ฿5,000)

• Credit cards
• Installments
• Bank transfers

By Industry

E-Commerce

• Credit cards (must-have)
• Digital wallets (high conversion)
• PromptPay (low friction)
• Installments (higher AOV)

Services/SaaS

• Credit cards (recurring)
• Bank transfers (B2B)

Travel/Hospitality

• Credit cards (pre-auth)
• International wallets
• QR payments

Retail

• QR payments (quick)
• Mobile wallets
• Credit cards

Detailed Selection Guide →

Integration Complexity

Method	Setup Difficulty	Notes
Credit Cards	Medium	Requires tokenization
Digital Wallets	Easy	Redirect flow
QR Payments	Easy	Display QR code
Bank Transfers	Easy	Redirect to bank
Installments	Medium	Credit check required
Konbini	Easy	Generate payment code

Payment Method Features

Refund Support

✅ Full Refund Support

• Credit/debit cards
• PromptPay
• TrueMoney
• ShopeePay
• PayPay
• Installments

❌ No Refund Support

• Mobile banking
• Internet banking
• Konbini
• Pay-easy
• Touch 'n Go (app)
• DANA

Recurring Payments

✅ Supports Recurring

• Credit/debit cards
• Some digital wallets (with customer approval)

❌ One-Time Only

• Most alternative payment methods
• QR payments
• Bank transfers

Pre-Authorization

✅ Supports Pre-Auth

• Credit/debit cards only

❌ Immediate Capture

• All alternative payment methods

Implementation

Basic Credit Card Example

// 1. Create token (client-side)
Omise.createToken('card', cardData, (status, response) => {
  // 2. Send to server
  createCharge(response.id);
});

// 3. Create charge (server-side)
omise.charges.create({
  amount: 100000,
  currency: 'thb',
  card: token
});

PromptPay Example

// 1. Create source
const source = await omise.sources.create({
  type: 'promptpay',
  amount: 100000,
  currency: 'thb'
});

// 2. Show QR code
displayQR(source.scannable_code.image.download_uri);

// 3. Wait for webhook
// Customer scans and pays
// You receive webhook notification

View Implementation Guides →

Regional Recommendations

Thailand

Must-Have:

• Credit cards
• PromptPay

Should-Have:

• TrueMoney Wallet
• Rabbit LINE Pay
• At least 2 mobile banking options

Nice-to-Have:

• Installments (if AOV > ฿3,000)
• Internet banking

Japan

Must-Have:

• Credit cards
• Konbini

Should-Have:

• Pay-easy
• PayPay

Singapore

Must-Have:

• Credit cards
• PayNow

Should-Have:

• GrabPay

Malaysia

Must-Have:

• Credit cards
• FPX

Should-Have:

• Touch 'n Go
• Boost

FAQ

How many payment methods should I offer?

Minimum: Credit cards + 1-2 regional favorites

Recommended: Credit cards + 3-4 popular local methods

Maximum: No limit, but too many choices can confuse customers

Focus on methods your target customers actually use.

Which payment method has the lowest fees?

Fees vary by payment method and your agreement with Omise:

• Lowest: PromptPay, QR payments (typically)
• Standard: Credit cards, most digital wallets
• Higher: Installments, BNPL options

Contact sales@omise.co for specific rates.

Can customers choose their preferred method?

Yes! Show all enabled payment methods at checkout and let customers choose. Different customers prefer different methods based on:

• What they have available
• Their trust in the method
• Convenience
• Rewards/cashback

Offering multiple options increases conversion rates.

How do I add a new payment method?

For most alternative payment methods:

1. Enable in your dashboard settings
2. Update your frontend to show the new option
3. Create sources instead of tokens
4. Handle async payment completion via webhooks

No additional API changes needed - same endpoints work for all methods!

Implementation Guide →

Which methods work for subscriptions?

Only credit/debit cards support true recurring payments where you can charge automatically.

For other methods:

• Customer must approve each payment
• Better suited for one-time purchases
• Not ideal for automated subscriptions

Recurring Payments Guide →

Do all methods work on mobile?

Yes! All payment methods are mobile-optimized:

• Cards: Native mobile input
• QR payments: Display QR code for scanning
• Digital wallets: Deep link to wallet app
• Banking: Redirect to banking app

Use our mobile SDKs for the best experience.

Next Steps

🎯 Selection Guide

Choose the right methods for your business

Get Recommendations →

📊 Compare All Methods

Side-by-side feature comparison

View Matrix →

💳 Cards

Credit cards, Apple Pay, Google Pay

Learn More →

📱 Digital Wallets

TrueMoney, GrabPay, and more

Browse Wallets →

---

Need help choosing? Check our Selection Guide or contact sales@omise.co for recommendations.