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Online Payment Systems

A Payment Gateway is the intermediary between the customer, merchant, and bank, making online payments secure and trustworthy.

🔄 Online Payment Steps

Customer → Merchant

Merchant → Gateway

Gateway → Bank

Payment Result (return)

🇹🇭 Payment Systems in Thailand

📲

PromptPay

Transfer money via phone number / ID card. No transaction fee.

💰 Fee: Free (Bank) / ~0.5-1% (via API)

✅ Best for: Small businesses, peer-to-peer transfers

💳

Omise (Opn)

Leading Thai Payment Gateway supporting cards, PromptPay, TrueMoney

💰 Fee: 3.65% + 15 THB/transaction (credit card)

✅ Best for: E-commerce, mobile apps, B2B

🔐

2C2P

Enterprise-grade Payment Gateway used by large organizations and banks

💰 Fee: By agreement (Enterprise)

✅ Best for: Large enterprises, high volume

💚

TrueMoney Wallet

Digital wallet popular in the AIS/True ecosystem with a wide user base

💰 Fee: ~1.5-2% per transaction

✅ Best for: Mobile apps, online shops

🏦

KBank / SCB API

Direct bank API integrated with K PLUS and SCB Easy banking apps

💰 Fee: Per bank package

✅ Best for: Businesses requiring direct bank integration

⚡

Stripe

Global Payment Gateway, ideal for international customers and subscriptions

💰 Fee: 2.9% + $0.30/transaction (USD)

✅ Best for: SaaS, international businesses

🛡️ Payment Security Standards

🔐

PCI DSS

Payment Card Industry Data Security Standard

International standard for merchants accepting credit cards. Must not store card data themselves.

🔒

SSL/TLS

Secure Sockets Layer / Transport Layer Security

Encrypts data between the customer and the server, preventing eavesdropping.

📱

3D Secure

Three-Domain Secure (Verified by Visa / Mastercard SecureCode)

Additional identity verification via OTP SMS before the card is charged.

🎫

Tokenization

Card Tokenization

Replaces the card number with a random token so actual card data is never stored in the system.

💡 How to Choose a Payment Gateway?

❓ Thai customers only?

→ Use Omise + PromptPay

❓ International customers too?

→ Use Stripe or 2C2P

❓ Mobile app?

→ Omise or KBank API

❓ Small online store?

→ PromptPay is enough

❓ Monthly subscription?

→ Stripe is the best

❓ Large enterprise?

→ 2C2P or direct bank

Need a payment system for your business? 💳

We integrate Payment Gateways securely and make them easy to use.

← Back to LearnContact Us

Address

TNGroup soft thailand Mueang District, Maha Sarakham

Phone

093-3381817
098-7799609

Email

Tngroupsoft@gmail.com