Laos
Laos’ payment landscape in 2026 is mobile-first, with direct carrier billing playing a central role in how consumers transact. Telco-integrated payment options account for around 99% of transaction volume, with minimal reliance on credit and debit cards. For global merchants, prioritizing carrier billing integration is key to reaching consumers and unlocking growth in this developing digital market.
*Data is for Codapay in the period of 1st Oct 2024 - 30th Sep 2025
Impact figures
70%
Android users
30%
iOS users
1.1%
Credit & Debit Card ownership
116.5M
App downloads in 2025
4.1M
App revenue (USD) in 2025
Insights
Digital wallets
Laos is a dominant Android market reducing the efficacy of Apple Pay to some degree in enabling online payments.
Cards
Credit & Debit cards have low penetration in-market, reducing the effectiveness of this channel and likely overlapping significantly with the Apple user population.
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