Payment Methods Comparison Matrix

Comprehensive side-by-side comparison of all Omise-supported payment methods to help you choose the right options for your business.

Quick Comparison by Region

Thailand

Method	Type	Users	Instant	Refunds	Best For
PromptPay	QR	60M+	✅	✅	Universal, all ages
TrueMoney	Wallet	30M+	✅	✅	Young adults, e-commerce
SCB Mobile	Banking	14M+	✅	✅	Modern users, refundable
K-Bank Mobile	Banking	10M+	✅	✅	Modern users, refundable
Rabbit LINE Pay	Wallet	12M+	✅	✅	Young adults, LINE users
Internet Banking	Banking	All	⏱️	❌	Desktop, wide coverage
Direct Debit	Banking	All	✅	✅	Subscriptions
Cards	Cards	Global	✅	✅	International, recurring

Singapore

Method	Type	Users	Instant	Refunds	Best For
PayNow	QR	5M+	✅	✅	Universal, all ages
GrabPay	Wallet	187M*	✅	✅	Grab users, regional
OCBC Mobile	Banking	Major	✅	✅	OCBC customers
ShopeePay	Wallet	8M*	✅	✅	E-commerce, Shopee users
Cards	Cards	Global	✅	✅	International, all

*Regional total across SEA

Malaysia

Method	Type	Users	Instant	Refunds	Best For
DuitNow QR	QR	30M+	✅	✅	Universal, all banks
Touch 'n Go	Wallet	18M+	✅	✅	#1 wallet, transport
Boost	Wallet	9M+	✅	✅	Retail, lifestyle
FPX	Banking	All	⏱️	❌	Desktop, wide coverage
Maybank QR	QR	10M+	✅	✅	Maybank customers only
Cards	Cards	Global	✅	✅	International

Japan

Method	Type	Users	Instant	Refunds	Best For
Konbini	Cash	Universal	⏱️	❌	Cash users, all ages
PayPay	Wallet	60M+	✅	✅	Mobile-first, young
Pay-easy	Banking	50M+	⏱️	❌	Bank customers, ATM
Online Banking	Banking	Major	✅	✅	High-value, refundable
Cards (JCB)	Cards	Global	✅	✅	International + domestic

Detailed Feature Comparison

Digital Wallets

Wallet	Region	Currency	Min	Max	Refunds	Recurring	Settlement
GrabPay	SG/MY/TH	Multi	Varies	Varies	✅ Yes	❌ No	1-3 days
TrueMoney	TH	THB	฿20	฿500K	✅ Yes	❌ No	1-3 days
Touch 'n Go	MY	MYR	RM1	RM1.5K	✅ Yes	❌ No	1-3 days
Boost	MY	MYR	RM1	RM1.5K	✅ Yes	❌ No	1-3 days
ShopeePay	Multi	Multi	Varies	Varies	✅ Yes	❌ No	1-3 days
PayPay	JP	JPY	¥1	¥50K	✅ Yes	❌ No	1-3 days
DANA	ID	IDR	Rp1K	Rp10M	✅ Yes	❌ No	1-3 days
GCash	PH	PHP	₱1	₱100K	✅ Yes	❌ No	1-3 days
KakaoPay	KR	KRW	₩100	₩10M	✅ Yes	❌ No	1-3 days
Alipay	CN	CNY	¥0.01	Varies	✅ Yes	❌ No	1-3 days
Alipay+	Multi	Multi	Varies	Varies	✅ Yes	❌ No	1-3 days
WeChat Pay	CN	CNY	¥0.01	Varies	✅ Yes	❌ No	1-3 days

Bank Transfers

Method	Region	Currency	Min	Max	Refunds	Platform	Settlement
SCB Mobile	TH	THB	฿20	฿2M	✅ Yes	Mobile app	1-3 days
K-Bank Mobile	TH	THB	฿20	฿2M	✅ Yes	Mobile app	1-3 days
BBL Mobile	TH	THB	฿20	฿2M	❌ No	Mobile app	1-3 days
Krungsri Mobile	TH	THB	฿20	฿2M	✅ Yes	Mobile app	1-3 days
KTB Mobile	TH	THB	฿20	฿2M	✅ Yes	Mobile app	1-3 days
OCBC Mobile	SG	SGD	$0.01	$500K	✅ Yes	Mobile app	1-3 days
Internet Banking TH	TH	THB	฿20	฿5M	❌ No	Browser	1-3 days
FPX	MY	MYR	RM1	RM30K	❌ No	Browser	1-3 days
Direct Debit	TH	THB	฿20	฿5M+	✅ Yes	Any	1-3 days

QR Payments

Method	Region	Currency	Min	Max	Refunds	Platform	Settlement
PromptPay	TH	THB	฿1	฿500K	❌ No	Any	Instant
PayNow	SG	SGD	$0.01	$200K	✅ Yes	Any	Instant
DuitNow QR	MY	MYR	RM0.01	RM5K	✅ Yes	Any	Instant
Maybank QR	MY	MYR	RM0.01	RM10K	✅ Yes	Any	1-3 days

Cards

Method	Region	Currency	Min	Max	Refunds	Recurring	Settlement
Visa/Mastercard	Global	Multi	$0.50	$50K	✅ Yes	✅ Yes	1-3 days
JCB	Global	Multi	$0.50	$50K	✅ Yes	✅ Yes	1-3 days
Apple Pay	Global	Multi	$0.01	$50K	✅ Yes	✅ Yes	1-3 days
Google Pay	Global	Multi	$0.01	$50K	✅ Yes	✅ Yes	1-3 days

BNPL / Installments

Method	Region	Currency	Min	Max	Refunds	Terms	Settlement
Installments	TH	THB	฿3K	Varies	✅ Yes	3-10mo	Immediate
Atome	SG/MY/HK	Multi	$30	$3K	✅ Yes	3mo	Immediate

Japan-Specific

Method	Type	Currency	Min	Max	Refunds	Platform	Settlement
Konbini	Cash	JPY	¥100	¥300K	❌ No	In-store	1-3 days
Pay-easy	Banking	JPY	¥1	¥999K	❌ No	ATM/Online	1-3 days
Online Banking JP	Banking	JPY	¥100	¥10M+	✅ Yes	Online	1-3 days

Feature Matrix

Instant Confirmation

Yes (Real-time):

• All QR payments (PromptPay, PayNow, DuitNow)
• All digital wallets
• All mobile banking
• Credit/debit cards
• Apple Pay / Google Pay
• Direct Debit
• Online Banking (Japan)

No (Delayed 1-24 hours):

• Konbini
• Pay-easy
• Internet Banking (TH/MY)

Refund Support

Full & Partial Refunds:

• All QR payments
• All digital wallets
• All mobile banking
• All cards
• Direct Debit
• Online Banking (Japan)
• Installments
• Atome

No Refunds:

• Internet Banking (TH/MY)
• Konbini
• Pay-easy
• FPX

Recurring Payments

Supported:

• Credit/debit cards (tokenization)
• Direct Debit
• Apple Pay / Google Pay (with card tokenization)

Not Supported:

• QR payments
• Digital wallets
• Bank transfers (mobile/internet)
• Cash methods
• BNPL

Mobile-Only

Mobile App Required:

• All mobile banking
• Most digital wallets
• Apple Pay
• Google Pay (Android)

Works on Any Device:

• QR payments (scan with phone)
• Credit/debit cards
• Internet banking

In-Store Only:

• Konbini

Transaction Limits Summary

By Amount Range

Micro (<$10)

• Best: Digital wallets, QR, cards
• Avoid: Bank transfers (overkill)

Small ($10-$100)

• Best: QR, wallets, cards
• Good: Mobile banking

Medium ($100-$500)

• Best: Cards, mobile banking, QR
• Good: Digital wallets, internet banking

Large ($500-$5,000)

• Best: Cards, bank transfers, direct debit
• Good: Pay-easy (Japan)

Very Large (>$5,000)

• Best: Cards, bank transfers, direct debit
• Avoid: QR, most wallets (limits)

Cost Comparison (Typical Ranges)

Method Type	Merchant Fee	Customer Fee	Notes
Credit Cards	2.5% - 3.5%	Free	Highest fee, universal
Digital Wallets	1.5% - 2.5%	Free	Medium fee, popular
QR Payments	0.5% - 1.5%	Free	Low fee, instant
Bank Transfers	Flat or %	Free	Variable, higher limits
Konbini	Flat fee	Free	Fixed cost per transaction
BNPL	3% - 5%	Free	Highest fee, increases conversion

Exact fees vary by merchant agreement and transaction volume

Platform Compatibility

Method	Desktop	Mobile Web	iOS App	Android App	In-Store
Cards	✅	✅	✅	✅	✅
QR Payments	✅	✅	✅	✅	✅
Mobile Banking	❌	✅	✅	✅	❌
Digital Wallets	⚠️	✅	✅	✅	⚠️
Internet Banking	✅	✅	⚠️	⚠️	❌
Konbini	✅*	✅*	✅*	✅*	✅
Apple Pay	✅**	✅**	✅	❌	✅
Google Pay	✅	✅	❌	✅	✅

*Generate code online, pay in-store **Safari only

Usage Recommendations

Start With (3-5 Methods)

Every Market:

• Credit/Debit Cards

Thailand:

• PromptPay + TrueMoney + SCB Mobile

Singapore:

• PayNow + GrabPay + Cards

Malaysia:

• DuitNow QR + Touch 'n Go + FPX + Cards

Japan:

• Cards (JCB) + Konbini + PayPay

International:

• Cards + Apple Pay + Google Pay

Add Later (Based on Data)

Thailand:

• Rabbit LINE Pay, other mobile banking, direct debit

Singapore:

• OCBC Mobile, ShopeePay

Malaysia:

• Boost, Maybank QR

Japan:

• Pay-easy, Online Banking

FAQ

Which payment method has the lowest fees?

Generally: QR payments (0.5-1.5%) < Digital wallets (1.5-2.5%) < Cards (2.5-3.5%)

However, consider conversion rates: lower fees don't always mean lower total cost if conversion suffers.

Which methods support refunds?

Yes: Cards, mobile banking, QR payments, digital wallets, direct debit, online banking (Japan)

No: Internet banking (TH/MY), Konbini, Pay-easy, FPX

Which methods work for recurring payments?

Only: Credit/debit cards, Direct Debit, Apple/Google Pay (with tokenization)

Most other methods are one-time only.

What's the fastest payment method?

Instant (real-time):

• QR payments
• Digital wallets
• Mobile banking
• Cards

Delayed (1-24 hours):

• Konbini
• Pay-easy
• Internet banking

Related Resources

• Selection Guide - Choosing the right methods
• Payment Methods Overview - Detailed method information
• Testing Guide - Test all methods
• Going Live - Launch checklist

Next Steps

1. Review this comparison based on your needs
2. Check Selection Guide for recommendations
3. Choose 3-5 initial methods
4. Implement and test
5. Monitor usage and optimize