All market guides

Thailand

Thailand’s digital payment landscape in 2026 is shaped by real-time bank transfers and mobile wallets. Together, these alternative payment methods account for around 95% of transaction volume, reducing the role of credit and debit cards. For B2B growth, prioritizing PromptPay and local wallet interoperability is key to reaching consumers and unlocking growth in Thailand’s highly digital market.

TrueMoney

32%

TrueMoney32%

PromptPay

28%

PromptPay28%

Cash At Retail

21%

Cash At Retail21%

*Data is for Codapay in the period of 1st Oct 2024 - 30th Sep 2025

Impact figures

67%

Android users

33%

iOS users

8%

Credit & Debit Card ownership

2.1B

App downloads in 2025

1.1B

App revenue (USD) in 2025

Insights

Digital wallets

Thailand's dominant Android market limits Apple Pay's effectiveness for 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.

Coda as your Merchant of Record

We handle payments, compliance, and complexity, so you can move faster.

Stay compliant automatically

Taxes, regulations (including PCI-DSS compliance), and reporting handled for you.

Reduce risk and operational overhead

Cross-border settlement, FX complexities, payouts, all managed end-to-end.

Fraud protection

Full fraud management with everything from risk mitigation to chargebacks and dispute resolution.