Bank Transfers

Accept payments directly from customer bank accounts via mobile banking apps, internet banking, and online direct debit across Thailand, Malaysia, and Singapore.

Overview

Information Accuracy

Payment method features, limits, user statistics, and fees are subject to change. Information is based on publicly available sources and may not reflect your specific merchant agreement. Always refer to official Omise documentation and your merchant dashboard for current, binding information.

Bank transfers allow customers to pay directly from their bank accounts without needing a credit card. These methods are highly trusted in Southeast Asia, where bank account penetration is high but credit card usage is lower than Western markets.

Why Bank Transfers?

🏦 High trust - Direct from customer's trusted bank
📱 Mobile-first - Popular mobile banking apps
💳 No card needed - Access customers without credit cards
🔒 Secure - Bank-grade security
💰 Lower fees - Often cheaper than cards
🌏 Wide reach - High bank account penetration in SEA

Payment Methods Available

Mobile Banking (Thailand)

Direct integration with bank mobile apps - customers authorize payment in their banking app.

Bank	Users	Settlement	Refundable
Bangkok Bank	6M+	1-3 days	✅ Yes
Krungthai Bank (KTB)	5M+	1-3 days	✅ Yes
Kasikornbank (K-Bank)	10M+	1-3 days	✅ Yes
Krungsri (Bank of Ayudhya)	4M+	1-3 days	✅ Yes
Siam Commercial Bank (SCB)	12M+	1-3 days	✅ Yes

Mobile Banking (Singapore)

Bank	Settlement	Refundable
OCBC	1-3 days	✅ Yes

Internet Banking

Method	Region	Settlement	Refundable
Internet Banking (Thailand)	Thailand	1-3 days	❌ No
FPX (Malaysia)	Malaysia	1-3 days	❌ No

Direct Debit

Method	Region	Settlement	Refundable
Online Direct Debit	Thailand	1-3 days	✅ Yes

Mobile Banking vs Internet Banking

Feature	Mobile Banking	Internet Banking
Platform	Mobile app only	Desktop browser
Experience	Seamless deep link	Redirect to bank site
Speed	Fast (30-60 sec)	Slower (2-3 min)
Refunds	✅ Supported	❌ Not supported
Popular in	2023+	2018-2022
Recommended	✅ Yes	⚠️ Legacy

Recommendation

Use Mobile Banking for new integrations. It offers better UX, faster payments, and refund support. Internet Banking is legacy but still widely used.

How Bank Transfers Work

Mobile Banking Flow

Customer Experience:

Customer selects their bank at checkout
Banking app opens automatically
Customer logs in (if not already)
Reviews payment details
Confirms with biometric/PIN
Returns to merchant site

Typical completion time: 30-90 seconds

Internet Banking Flow

Customer Experience:

Customer selects bank and clicks pay
Redirected to bank's internet banking site
Logs in with username/password
Reviews and confirms payment
Receives confirmation
Redirected back to merchant

Typical completion time: 2-5 minutes

Implementation Overview

Basic Integration (Mobile Banking)

Node.js
PHP
Python

const omise = require('omise')({
    secretKey: 'skey_test_YOUR_SECRET_KEY'
});

// Create source for mobile banking
const source = await omise.sources.create({
    type: 'mobile_banking_scb',  // or kbank, bbl, bay, ktb
    amount: 100000,               // Amount in smallest unit
    currency: 'THB'
});

// Create charge
const charge = await omise.charges.create({
    amount: 100000,
    currency: 'THB',
    source: source.id,
    return_uri: 'https://yourdomain.com/payment/callback'
});

// Redirect customer to banking app
res.redirect(charge.authorize_uri);

<?php
// Create source
$source = OmiseSource::create(array(
    'type' => 'mobile_banking_scb',
    'amount' => 100000,
    'currency' => 'THB'
));

// Create charge
$charge = OmiseCharge::create(array(
    'amount' => 100000,
    'currency' => 'THB',
    'source' => $source['id'],
    'return_uri' => 'https://yourdomain.com/payment/callback'
));

// Redirect
header('Location: ' . $charge['authorize_uri']);
?>

import omise

omise.api_secret = 'skey_test_YOUR_SECRET_KEY'

# Create source
source = omise.Source.create(
    type='mobile_banking_scb',
    amount=100000,
    currency='THB'
)

# Create charge
charge = omise.Charge.create(
    amount=100000,
    currency='THB',
    source=source.id,
    return_uri='https://yourdomain.com/payment/callback'
)

# Redirect
return redirect(charge.authorize_uri)

Handling Callbacks and Webhooks

// Handle return from bank
app.get('/payment/callback', async (req, res) => {
    const charge = await omise.charges.retrieve(req.query.charge_id);

    if (charge.status === 'successful') {
        res.redirect('/payment-success');
    } else {
        res.redirect('/payment-failed');
    }
});

// Handle webhook (recommended)
app.post('/webhooks/omise', (req, res) => {
    const event = req.body;

    if (event.key === 'charge.complete') {
        const charge = event.data;

        if (charge.status === 'successful') {
            fulfillOrder(charge.metadata.order_id);
        }
    }

    res.sendStatus(200);
});

Source Types Reference

Thailand Mobile Banking

Source Type	Bank Name	Code
`mobile_banking_scb`	Siam Commercial Bank	SCB
`mobile_banking_kbank`	Kasikornbank	KBANK
`mobile_banking_bbl`	Bangkok Bank	BBL
`mobile_banking_bay`	Krungsri (Bank of Ayudhya)	BAY
`mobile_banking_ktb`	Krungthai Bank	KTB

Singapore Mobile Banking

Source Type	Bank Name
`mobile_banking_ocbc`	OCBC Bank

Internet Banking

Source Type	Region	Banks
`internet_banking_th`	Thailand	All major Thai banks
`fpx`	Malaysia	20+ Malaysian banks

Direct Debit

Source Type	Region	Description
`pay_with_bill_payment`	Thailand	Online Direct Debit

Choosing the Right Method

By Country

Thailand

Primary: Mobile Banking (SCB, Kasikornbank)
Alternative: Internet Banking
Recurring: Direct Debit

Malaysia

Primary: FPX (Internet Banking)
Use case: All e-commerce

Singapore

Primary: OCBC Mobile Banking
Alternative: PayNow (QR)

By Use Case

One-time Payments

Mobile Banking (best UX)
Internet Banking (wider reach)

Recurring Payments

Direct Debit only
Requires customer authorization

Large Transactions

Bank transfers (higher limits than cards)
Direct Debit (pre-authorized)

Comparison Matrix

Feature	Mobile Banking	Internet Banking	Direct Debit
Platform	Mobile only	Desktop/mobile	Any
Speed	Fast	Moderate	Fast
Refunds	✅ Yes	❌ No	✅ Yes
Limits	High	High	Very high
Recurring	❌ No	❌ No	✅ Yes
Setup	None	None	Required
Completion	30-90 sec	2-5 min	Instant

Implementation Patterns

Multi-Bank Selector

// Display available banks
const THAI_BANKS = [
    { code: 'scb', name: 'SCB', type: 'mobile_banking_scb', logo: '/banks/scb.svg' },
    { code: 'kbank', name: 'Kasikornbank', type: 'mobile_banking_kbank', logo: '/banks/kbank.svg' },
    { code: 'bbl', name: 'Bangkok Bank', type: 'mobile_banking_bbl', logo: '/banks/bbl.svg' },
    { code: 'bay', name: 'Krungsri', type: 'mobile_banking_bay', logo: '/banks/bay.svg' },
    { code: 'ktb', name: 'Krungthai', type: 'mobile_banking_ktb', logo: '/banks/ktb.svg' }
];

// Create payment with selected bank
async function createBankPayment(bankType, amount, currency) {
    const source = await omise.sources.create({
        type: bankType,
        amount: amount,
        currency: currency
    });

    const charge = await omise.charges.create({
        amount: amount,
        currency: currency,
        source: source.id,
        return_uri: `${baseUrl}/payment/callback`
    });

    return charge.authorize_uri;
}

Mobile Detection

function isMobileBankingAvailable() {
    // Mobile banking requires mobile device
    return /iPhone|iPad|iPod|Android/i.test(navigator.userAgent);
}

// Show appropriate options
if (isMobileBankingAvailable()) {
    showMobileBankingOptions();
} else {
    showInternetBankingOptions();
}

Bank Logo Display

<div class="bank-selector">
    <h3>เลือกธนาคาร (Select Bank)</h3>
    <div class="bank-grid">
        <button class="bank-option" data-type="mobile_banking_scb">
            <img src="/banks/scb.svg" alt="SCB">
            <span>SCB</span>
        </button>
        <button class="bank-option" data-type="mobile_banking_kbank">
            <img src="/banks/kbank.svg" alt="Kasikornbank">
            <span>Kasikornbank</span>
        </button>
        <!-- More banks -->
    </div>
</div>

Best Practices

1. Mobile-First for Modern Experience

// Detect device and show appropriate method
if (isMobile()) {
    showMobileBankingOptions();
} else {
    showInternetBankingOptions();
    showMobileQROption(); // Fallback for desktop
}

2. Display Bank Logos

Use official bank logos to build trust and recognition:

<img src="/banks/scb-logo.svg" alt="SCB Bank" class="bank-logo">

3. Show Clear Instructions

<div class="payment-instructions">
    <h4>วิธีชำระเงิน (How to Pay):</h4>
    <ol>
        <li>เลือกธนาคารของคุณ</li>
        <li>แอพธนาคารจะเปิดขึ้นอัตโนมัติ</li>
        <li>ยืนยันการชำระเงินในแอพ</li>
        <li>รอการยืนยันทันที</li>
    </ol>
</div>

4. Handle Timeouts

// Mobile banking expires quickly
const TIMEOUT = 10 * 60 * 1000; // 10 minutes

setTimeout(() => {
    if (!paymentCompleted) {
        showMessage('Payment expired. Please try again.');
        enableRetry();
    }
}, TIMEOUT);

5. Always Use Webhooks

// Webhook is primary notification
app.post('/webhooks/omise', handleWebhook);

// Callback is for user experience only
app.get('/payment/callback', handleCallback);

Common Issues & Troubleshooting

Issue: App Not Opening

Solution:

// Check if banking app is installed
setTimeout(() => {
    if (!document.hidden) {
        showMessage('Banking app not opening? Try these:');
        showAlternatives([
            'Update your banking app',
            'Try internet banking instead',
            'Use QR payment'
        ]);
    }
}, 3000);

Issue: Payment Timeout

Solution: Set reasonable timeout and show clear message:

if (charge.status === 'expired') {
    showMessage('Payment expired. Please start a new transaction.');
}

Issue: Wrong Bank Account

Solution: Allow customers to verify before confirming:

<div class="verification">
    <p>Paying from: <strong>SCB Account ***1234</strong></p>
    <button>Change Bank</button>
</div>

FAQ

What's the difference between mobile banking and internet banking?

Mobile Banking: Uses the bank's mobile app with deep linking. Faster, modern UX, supports refunds. Recommended for new integrations.

Internet Banking: Redirects to bank's website. Desktop-friendly, wider bank support, but no refunds. Legacy method.

Which payment method should I use?

Thailand: Mobile Banking (SCB, Kasikornbank) or Internet Banking for wider reach
Malaysia: FPX Internet Banking (only option)
Singapore: OCBC Mobile Banking or PayNow

Do bank transfers support refunds?

Mobile Banking: ✅ Yes, full and partial refunds
Internet Banking: ❌ No refunds supported
Direct Debit: ✅ Yes, refunds supported

How long does settlement take?

Most bank transfer payments settle within 1-3 business days. Check your Omise dashboard for specific settlement schedules.

Can I accept recurring payments?

Only Direct Debit supports recurring payments. Mobile and Internet Banking are for one-time payments only.

What are the transaction limits?

Limits vary by bank and customer account type, but generally:

Minimum: ฿1 (THB), RM1 (MYR), $1 (SGD)
Maximum: ฿2,000,000+ per transaction

Much higher than card limits.

Payment Methods Overview - All available methods
Digital Wallets - Alternative mobile payments
QR Payments - PromptPay, PayNow, DuitNow
Accept Payments - Implementation guide
Webhooks - Handle notifications
Testing - Test bank transfers

Next Steps

Choose your market - Thailand, Malaysia, or Singapore
Pick payment type - Mobile banking, internet banking, or direct debit
Implement integration - Follow bank-specific guides
Test thoroughly - Test with each supported bank
Go live - Enable for production

Ready to start? Choose your bank:

Thailand:

Malaysia:

FPX Internet Banking

Singapore:

OCBC Mobile Banking

Overview​

Payment Methods Available​

Mobile Banking (Thailand)​

Mobile Banking (Singapore)​

Internet Banking​

Direct Debit​

Mobile Banking vs Internet Banking​

How Bank Transfers Work​

Mobile Banking Flow​

Internet Banking Flow​

Implementation Overview​

Basic Integration (Mobile Banking)​

Handling Callbacks and Webhooks​

Source Types Reference​

Thailand Mobile Banking​

Singapore Mobile Banking​

Internet Banking​

Direct Debit​

Choosing the Right Method​

By Country​

By Use Case​

Comparison Matrix​

Implementation Patterns​

Multi-Bank Selector​

Mobile Detection​

Bank Logo Display​

Best Practices​

1. Mobile-First for Modern Experience​

2. Display Bank Logos​

3. Show Clear Instructions​

4. Handle Timeouts​

5. Always Use Webhooks​

Common Issues & Troubleshooting​

Issue: App Not Opening​

Issue: Payment Timeout​

Issue: Wrong Bank Account​

FAQ​

Related Resources​

Next Steps​

Overview

Payment Methods Available

Mobile Banking (Thailand)

Mobile Banking (Singapore)

Internet Banking

Direct Debit

Mobile Banking vs Internet Banking

How Bank Transfers Work

Mobile Banking Flow

Internet Banking Flow

Implementation Overview

Basic Integration (Mobile Banking)

Handling Callbacks and Webhooks

Source Types Reference

Thailand Mobile Banking

Singapore Mobile Banking

Internet Banking

Direct Debit

Choosing the Right Method

By Country

By Use Case

Comparison Matrix

Implementation Patterns

Multi-Bank Selector

Mobile Detection

Bank Logo Display

Best Practices

1. Mobile-First for Modern Experience

2. Display Bank Logos

3. Show Clear Instructions

4. Handle Timeouts

5. Always Use Webhooks

Common Issues & Troubleshooting

Issue: App Not Opening

Issue: Payment Timeout

Issue: Wrong Bank Account

FAQ

Related Resources

Next Steps