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Krungthai Mobile Banking (Krungthai NEXT)

Accept instant payments via Krungthai NEXT mobile app from Krungthai Bank, Thailand's state-owned bank with extensive nationwide reach and 5+ million users.

Payment Flow​

Mobile Banking Payment Flow

Step-by-step mobile banking payment process:

❶ Select Bank - Customer chooses their bank at merchant checkout

❷ Redirect to bank - System redirects to bank's payment authorization page

❸ Open banking app - Deep link automatically launches the bank's mobile app

  • On iOS: Opens via Universal Links
  • On Android: Opens via App Links
  • Customer sees "Open in [Bank] App" prompt

❹ Authenticate - Customer logs into banking app (if not already logged in)

  • PIN entry (6 digits)
  • Fingerprint scan
  • Face ID recognition

❺ Review payment - Transaction details displayed in app:

  • Merchant name
  • Payment amount
  • Order reference
  • Account to debit from

❻ Authorize payment - Customer confirms the transaction

  • Enter additional PIN/OTP if required by bank
  • Tap "Confirm Payment" button

❼ Payment processed - Bank immediately transfers funds

❽ Confirmation - Success screen shown in app

  • Transaction reference number
  • Receipt available for download

❾ Return to merchant - Customer redirected back to merchant website

  • Automatic redirect or "Return to Merchant" button
  • Order confirmation page displayed

Typical completion time: 30-90 seconds

Overview​

Krungthai NEXT is the mobile banking app from Krungthai Bank (KTB), a state-owned commercial bank and one of Thailand's largest financial institutions. With the widest branch network in Thailand, KTB serves customers across all provinces.

Key Features:

  • ✅ Fast confirmation - Near real-time payment verification (typically within seconds)
  • ✅ 5+ million users - Wide reach in rural and urban areas
  • ✅ State-owned - Government bank with high trust
  • ✅ High limits - Up to ฿150,000 per transaction
  • ✅ Nationwide presence - 1,200+ branches across Thailand
  • ✅ Refund support - Full and partial refunds

Supported Region​

RegionCurrencyMin AmountMax AmountDaily Limit
ThailandTHB฿20.00฿150,000Varies*

*Daily limits depend on customer's account type and settings

How It Works​

Customer selects Krungthai → NEXT app opens → Authenticates → Confirms payment → Returns to merchant (30-90 seconds total)

Implementation​

Create Source and Charge​

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

// Create source
const source = await omise.sources.create({
    type: 'mobile_banking_ktb',
    amount: 100000,  // ฿1,000
    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 to KTB NEXT app
res.redirect(charge.authorize_uri);

Refund Support​

// Full or partial refund within 30 days
const refund = await omise.charges.refund('chrg_test_...', {
    amount: 100000  // Full or partial amount
});

Testing​

Test Amount: ฿1,000 (100000 smallest unit) Expected: Successful payment in test mode

FAQ​

What is Krungthai NEXT?

Krungthai NEXT is the mobile banking app from Krungthai Bank (KTB), Thailand's state-owned commercial bank. It's one of Thailand's most widely used banking apps.

What are the transaction limits?
  • Minimum: ฿20
  • Maximum: ฿2,000,000 per transaction
  • Daily limits vary by customer account settings
Can I refund Krungthai payments?

Yes, full and partial refunds are supported within 30 days of the original transaction.