Mobile Banking

Accept payments directly through customers' mobile banking apps with seamless deep linking, instant confirmation, and full refund support.

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.

Mobile Banking allows customers to authorize payments directly in their bank's mobile app. When they select their bank at checkout, their banking app opens automatically, they authenticate, approve the payment, and return to your site - all within 30-90 seconds.

Key Features:

⚡ Fast - 30-90 second completion time
📱 Mobile-first - Seamless app experience
✅ Fast confirmation - Near real-time payment verification (typically within seconds)
🔄 Refund support - Full and partial refunds
🔒 Secure - Bank-grade security
💰 High limits - Higher than card limits

Supported Banks

Thailand 🇹🇭

Bank	Users	Source Type	Refundable	Settlement
SCB (Siam Commercial Bank)	12M+	`mobile_banking_scb`	✅ Yes	1-3 days
Kasikornbank (K-Bank)	10M+	`mobile_banking_kbank`	✅ Yes	1-3 days
Bangkok Bank (BBL)	6M+	`mobile_banking_bbl`	✅ Yes	1-3 days
Krungsri (BAY)	4M+	`mobile_banking_bay`	✅ Yes	1-3 days
Krungthai Bank (KTB)	5M+	`mobile_banking_ktb`	✅ Yes	1-3 days

Singapore 🇸🇬

Bank	Source Type	Refundable	Settlement
OCBC Bank	`mobile_banking_ocbc`	✅ Yes	1-3 days

Currency: THB (Thailand), SGD (Singapore) Min Amount: ฿1 / $0.01 Max Amount: ฿2,000,000 / $500,000+ (varies by bank)

How Mobile Banking Works

Customer Experience:

Select their bank from list
Banking app opens automatically
Login if not already authenticated
Review payment details
Confirm with biometric/PIN (5 seconds)
See confirmation
Return to merchant site

Total time: 30-90 seconds

Implementation

Step 1: Create Mobile Banking Source

Node.js
PHP
Python

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

// Customer selects SCB
const source = await omise.sources.create({
    type: 'mobile_banking_scb',
    amount: 100000,  // ฿1,000
    currency: 'THB'
});

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

import omise

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

Step 2: Create Charge and Redirect

const charge = await omise.charges.create({
    amount: 100000,
    currency: 'THB',
    source: source.id,
    return_uri: 'https://yourdomain.com/payment/callback',
    metadata: {
        order_id: 'ORD-12345'
    }
});

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

Step 3: Handle Return and Webhook

// Customer returns here
app.get('/payment/callback', async (req, res) => {
    const charge = await omise.charges.retrieve(req.query.charge_id);

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

// Webhook for server-side processing
app.post('/webhooks/omise', (req, res) => {
    const event = req.body;

    if (event.key === 'charge.complete') {
        const charge = event.data;
        // Process order
        fulfillOrder(charge.metadata.order_id);
    }

    res.sendStatus(200);
});

Complete Implementation

const express = require('express');
const omise = require('omise')({
    secretKey: process.env.OMISE_SECRET_KEY
});

const app = express();
app.use(express.json());

// Available banks
const BANKS = {
    scb: { name: 'SCB', type: 'mobile_banking_scb' },
    kbank: { name: 'Kasikornbank', type: 'mobile_banking_kbank' },
    bbl: { name: 'Bangkok Bank', type: 'mobile_banking_bbl' },
    bay: { name: 'Krungsri', type: 'mobile_banking_bay' },
    ktb: { name: 'Krungthai', type: 'mobile_banking_ktb' }
};

// Create payment
app.post('/checkout/mobile-banking', async (req, res) => {
    try {
        const { bank_code, amount, order_id } = req.body;
        const bank = BANKS[bank_code];

        if (!bank) {
            return res.status(400).json({ error: 'Invalid bank' });
        }

        // Create source
        const source = await omise.sources.create({
            type: bank.type,
            amount: amount,
            currency: 'THB'
        });

        // Create charge
        const charge = await omise.charges.create({
            amount: amount,
            currency: 'THB',
            source: source.id,
            return_uri: `${process.env.BASE_URL}/payment/callback`,
            metadata: { order_id }
        });

        res.json({
            authorize_uri: charge.authorize_uri,
            charge_id: charge.id
        });

    } catch (error) {
        res.status(500).json({ error: error.message });
    }
});

app.listen(3000);

Bank Selector UI

<div class="mobile-banking-selector">
    <h3>เลือกธนาคาร (Select Bank)</h3>

    <div class="bank-grid">
        <button class="bank-button" data-bank="scb">
            <img src="/banks/scb.svg" alt="SCB">
            <span>SCB</span>
        </button>

        <button class="bank-button" data-bank="kbank">
            <img src="/banks/kbank.svg" alt="Kasikornbank">
            <span>Kasikornbank</span>
        </button>

        <button class="bank-button" data-bank="bbl">
            <img src="/banks/bbl.svg" alt="Bangkok Bank">
            <span>Bangkok Bank</span>
        </button>

        <button class="bank-button" data-bank="bay">
            <img src="/banks/bay.svg" alt="Krungsri">
            <span>Krungsri</span>
        </button>

        <button class="bank-button" data-bank="ktb">
            <img src="/banks/ktb.svg" alt="Krungthai">
            <span>Krungthai</span>
        </button>
    </div>
</div>

<style>
.bank-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(120px, 1fr));
    gap: 16px;
    margin-top: 20px;
}

.bank-button {
    display: flex;
    flex-direction: column;
    align-items: center;
    padding: 20px;
    border: 2px solid #e0e0e0;
    border-radius: 12px;
    background: white;
    cursor: pointer;
    transition: all 0.2s;
}

.bank-button:hover {
    border-color: #1890ff;
    box-shadow: 0 4px 12px rgba(0,0,0,0.1);
}

.bank-button img {
    width: 60px;
    height: 60px;
    margin-bottom: 12px;
}
</style>

<script>
document.querySelectorAll('.bank-button').forEach(button => {
    button.addEventListener('click', async () => {
        const bankCode = button.dataset.bank;

        const response = await fetch('/checkout/mobile-banking', {
            method: 'POST',
            headers: { 'Content-Type': 'application/json' },
            body: JSON.stringify({
                bank_code: bankCode,
                amount: 100000,
                order_id: 'ORD-12345'
            })
        });

        const data = await response.json();
        window.location = data.authorize_uri;
    });
});
</script>

Refund Support

All mobile banking payments support full and partial refunds:

// Full refund
const refund = await omise.charges.refund('chrg_test_...', {
    amount: 100000
});

// Partial refund
const partialRefund = await omise.charges.refund('chrg_test_...', {
    amount: 50000
});

Best Practices

1. Mobile-Only Detection

function isMobileDevice() {
    return /iPhone|iPad|iPod|Android/i.test(navigator.userAgent);
}

if (!isMobileDevice()) {
    showMessage('Mobile banking requires a mobile device.');
    showAlternativePaymentMethods();
}

2. Bank Logo Assets

Use official bank logos (60x60px or 120x120px):

SCB: Purple logo
Kasikornbank: Green "K" logo
Bangkok Bank: Blue logo
Krungsri: Yellow logo
Krungthai: Blue/red logo

3. Show Instructions

<div class="instructions">
    <h4>วิธีชำระเงิน (How to Pay):</h4>
    <ol>
        <li>เลือกธนาคารของคุณ (Select your bank)</li>
        <li>แอพธนาคารจะเปิดอัตโนมัติ (Banking app will open)</li>
        <li>ยืนยันการชำระเงิน (Confirm payment)</li>
        <li>กลับมาที่หน้าเว็บ (Return to website)</li>
    </ol>
</div>

4. Handle Deep Link Failures

function openBankingApp(authorizeUri) {
    window.location = authorizeUri;

    // Fallback if app doesn't open
    setTimeout(() => {
        if (!document.hidden) {
            showMessage('แอพธนาคารไม่เปิด? ลองอัปเดทแอพหรือติดตั้งใหม่');
            showAlternatives();
        }
    }, 3000);
}

5. Timeout Handling

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

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

Common Issues

Issue: Banking app not opening

Cause: App not installed or outdated

Solution:

Show app download links
Offer internet banking alternative
Display clear error message

Issue: Payment timeout

Cause: Customer didn't complete within 10 minutes

Solution:

Show clear timeout message
Allow retry with new charge
Don't reuse expired charges

Issue: Wrong bank account

Cause: Customer has multiple accounts

Solution:

Customer selects account in banking app
Can't control from merchant side
Show bank name clearly before redirect

FAQ

What is mobile banking payment?

Mobile banking payment allows customers to authorize payments directly in their bank's mobile app. The app opens automatically, customer authenticates, and approves - all in 30-90 seconds.

Which banks are supported?

Thailand: SCB, Kasikornbank, Bangkok Bank, Krungsri, Krungthai Singapore: OCBC

More banks coming soon.

Does it work on desktop?

No, mobile banking requires the bank's mobile app. For desktop users, offer:

Internet banking
QR payments
Credit cards

Can I refund mobile banking payments?

Yes! Mobile banking supports both full and partial refunds, unlike internet banking.

How long does settlement take?

Settlement timing varies by agreement*, depending on your merchant agreement and the bank.

What are the transaction limits?

Limits vary by bank and customer account type:

Minimum: ฿1 (THB)
Maximum: ฿2,000,000+ per transaction

Much higher than credit card limits.

*Settlement timing varies by merchant agreement and payment method. Check your Omise merchant dashboard for your specific settlement schedule.

Bank Transfers Overview - All bank payment methods
SCB Mobile Banking - SCB integration
Kasikornbank - K-Bank integration
Internet Banking - Desktop alternative
PromptPay - QR alternative
Testing - Test mobile banking

Next Steps

Choose your target banks
Implement bank selector UI
Create source with selected bank
Handle redirect and webhooks
Test with actual mobile devices
Go live

Ready to integrate? Choose your bank:

Overview​

Supported Banks​

Thailand 🇹🇭​

Singapore 🇸🇬​

How Mobile Banking Works​

Implementation​

Step 1: Create Mobile Banking Source​

Step 2: Create Charge and Redirect​

Step 3: Handle Return and Webhook​

Complete Implementation​

Bank Selector UI​

Refund Support​

Best Practices​

1. Mobile-Only Detection​

2. Bank Logo Assets​

3. Show Instructions​

4. Handle Deep Link Failures​

5. Timeout Handling​

Common Issues​

Issue: Banking app not opening​

Issue: Payment timeout​

Issue: Wrong bank account​

FAQ​

Related Resources​

Next Steps​

Overview

Supported Banks

Thailand 🇹🇭

Singapore 🇸🇬

How Mobile Banking Works

Implementation

Step 1: Create Mobile Banking Source

Step 2: Create Charge and Redirect

Step 3: Handle Return and Webhook

Complete Implementation

Bank Selector UI

Refund Support

Best Practices

1. Mobile-Only Detection

2. Bank Logo Assets

3. Show Instructions

4. Handle Deep Link Failures

5. Timeout Handling

Common Issues

Issue: Banking app not opening

Issue: Payment timeout

Issue: Wrong bank account

FAQ

Related Resources

Next Steps