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Your business is based outside Thailand, and you are comparing payment gateways in Thailand for your launch. Side by side, the quotes show similar fees and settlement times, so the cheapest offer is tempting.
If you choose on price alone, problems tend to show up later: at checkout, after the customer pays, and when a subscription renews. An order above a method's limit cannot go through on that method, and if the customer has no other way to pay, you lose the sale. When you agree to a refund, the money may not be able to go back the way it came. A disputed payment has no card chargeback process behind it. A method that cannot renew automatically leaves each renewal to the customer, so some customers stop paying.
Fees and settlement are only half of a Thailand payment gateway comparison. The other half comes down to four questions about PromptPay, K PLUS and TrueMoney, in the order they come up during a sale.
Key Takeaways
- Transaction limits: What are the per-transaction and daily limits for each method, and which bank or wallet limits also apply to your customers?
- Refunds: Which payments can be refunded to the customer's original payment method, in full or in part, and for how long?
- Disputes: Without card chargebacks, how are customer complaints, suspected fraud and requests for money back handled?
- Subscriptions: Which methods can save a customer's payment details for future charges, and which can charge the customer automatically on a schedule?
1. Transaction limits: can every order go through?
PromptPay, K PLUS and TrueMoney payments do not have one fixed limit, because limits come from both the customer's bank or wallet and your provider. Ask which ones apply to your checkout.
This matters most if you sell high-value goods or services, such as electronics, travel or tuition. A large order has to clear every limit in its path. TrueMoney publishes the maximum amounts customers can pay from its wallet. A customer's bank may limit what they can pay from their banking app. Your provider may also set its own limit for each method on your account. The lowest limit that applies decides whether the order is paid. Whichever limit stops it, the result for you is the same: the order does not go through.
For each method, the table shows who can set a limit on the customer's side and what to ask your provider.
Method | Who can set a limit on the customer's side | What to ask your provider |
|---|---|---|
PromptPay | The customer's bank | The per-transaction and daily limits for PromptPay on your account |
K PLUS | KBank, which runs the K PLUS app | The per-transaction and daily limits for K PLUS on your account |
TrueMoney | TrueMoney, which publishes its own maximums | Which TrueMoney maximum applies to you, and any limit your provider adds |
In a hypothetical case, your provider caps a wallet at 30,000 THB per transaction. A customer places a 32,000 THB order with that wallet, and the payment cannot go through. Unless the customer switches to another method, you lose the order.
Before you sign, put this question to every provider. What are the per-transaction and daily limits for each method? A complete answer gives each method's limits for the company on your side that signs the contract. It separates per-transaction limits from daily ones and tells you which bank or wallet limits also apply to your customers.
Once the customer has paid, the next question is whether the money can go back if they ask for a refund.
2. Refunds: can the money go back the way it came?
Whether a PromptPay payment can be refunded depends on your provider and on how the customer paid, so ask which payments can go back to the original payment method.
This matters if you offer returns or cancellations, such as a 7-day return window or a refund for one item in a larger order. Card refunds follow card network rules, but local methods do not share one rule book. A PromptPay payment moves money straight from the customer's bank account, and providers do not all handle PromptPay refunds the same way. Some support them only for certain payments, and some not at all. When the money cannot go back the way it came, you still owe the customer the money. Your team then has to collect the customer's bank details and send the money another way.
The table shows what to ask about refunds and what each answer means for your returns policy.
What to ask | Why it matters for your business |
|---|---|
Can a payment go back to the original method? | If not, your team has to send the money another way. |
Can you refund part of a payment? | If not, a one-item return turns into a full refund or a manual transfer. |
How long after payment can you refund? | If your return window is longer, late refunds have to be paid another way. |
The same question comes up when a customer pays twice for one order, because the second payment also has to be returned.
Before you sign, put this question to every provider. Which payments can be refunded to the original method? A complete answer covers full and partial refunds and the time limit for each method. It also tells you whether the way the customer paid makes a difference, and what happens when the money cannot go back the way it came.
A refund is something you decide to give. A dispute starts when the customer questions the payment instead.
3. Disputes: what happens without card chargebacks?
PromptPay, K PLUS and TrueMoney payments do not come with card chargebacks, but customers can still dispute them, and you need to know who handles each case. Ask how complaints, suspected fraud and requests for money back are handled for each method.
If you have sold mainly by card, you know how a chargeback works. The customer contacts the bank that issued the card, the bank takes the money back from you, and you send evidence to contest it. A PromptPay, K PLUS or TrueMoney payment is approved by the customer inside a banking or wallet app, so card network rules do not apply. That does not stop disputes. A customer who says the goods never arrived, or that someone else made the payment, will still contact you, their bank or the wallet. Without a clear process, you may not know who decides, how long it takes or whether money will leave your account.
The table compares the two from your side.
| Card payment | PromptPay, K PLUS or TrueMoney payment |
|---|---|---|
Who the customer turns to | The bank that issued the card | You, the customer's bank or the wallet |
How money can come back from you | The card network's chargeback process | The method's own rules and your provider's terms |
What you need ready | Evidence for each chargeback, within set deadlines | Whatever your provider asks for, on its timeline |
Before you sign, put this question to every provider. Without card chargebacks, how are complaints, suspected fraud and requests for money back handled? A complete answer tells you who the customer contacts, what evidence you need to provide and how long each step takes. It also says whether money can be held or taken back from your account.
These questions cover a single payment. A subscription business also needs the next payment to happen on its own.
4. Subscriptions: can renewals run automatically?
A PromptPay payment is started by the customer every time, so automatic renewals need a method and a provider setup that support scheduled charges for your signing company. Saving a customer's payment details does not, on its own, make subscriptions possible.
This matters for monthly memberships, software plans and anything else billed on a cycle. Your provider may be able to save a customer's payment details, so they can pay again later without starting from scratch. Charging them automatically on a schedule, with no action from the customer, is a separate capability. A method can offer the first without the second, and a provider may offer either one only for some methods or some signing companies. When neither is available, each renewal becomes a new payment the customer has to make, and some customers will not make it.
The table shows who starts each payment and what to check with your provider.
Method | Who starts each payment | What to ask your provider |
|---|---|---|
PromptPay | The customer, every time | Which other method you can offer for renewals |
K PLUS | The customer, unless saved payment details are available | Whether K PLUS payment details can be saved for your signing company |
TrueMoney | The customer, unless saved payment details or scheduled charges are available | Whether TrueMoney supports either one for your signing company |
If a method cannot renew automatically, you can still take the first payment with it and move renewals to a method that can.
Before you sign, put this question to every provider. For your signing company, which methods can save a customer's payment details for future charges, and which can charge the customer automatically on a schedule? A complete answer gives two separate answers for each method. It names any limits tied to your signing company and explains what happens when a renewal payment fails.
Beyond these four questions, a few practical ones come up before a Thai launch.
Get these four questions answered for your signing company → Talk to our team
FAQ
Do I need a Thai company to accept payments in Thailand?
Not necessarily. Some providers open Thai methods only to companies registered in Thailand, while others also sign businesses based elsewhere. Ask which Thai methods your signing company can use and what documents you need.
Does PromptPay support refunds?
Not always. Refunds depend on your provider and on how the customer paid, so confirm which PromptPay payments can be refunded before you sign.
What is the TrueMoney transaction limit?
There is no single TrueMoney transaction limit. TrueMoney publishes its own maximum payment amounts, and your provider may add its own, so ask which apply to your checkout.
Do PromptPay payments have chargebacks?
No. Card chargebacks do not apply, because the customer approves the payment in a banking app. Ask your provider how disputes and requests for money back are handled instead.
Can I accept recurring payments with PromptPay?
Not automatically. The customer starts each PromptPay payment, so every renewal needs their action. Ask which methods your provider supports for scheduled charges.
Conclusion
Fees and settlement are half of a Thailand payment gateway comparison. The other half is four questions: can every order go through, can the money go back, what happens when a payment is disputed, and can renewals run on their own. Put them to each online payment gateway in Thailand on your shortlist, and get the answers method by method.
If these answers come only after launch, you find the gaps through failed orders and money you cannot return to customers. One Antom integration covers 300+ payment methods across 200+ countries and regions, backed by broad coverage of key Asian methods, including PromptPay, K PLUS and TrueMoney. We also offer Subscription Payment for scheduled charges, on the methods and signing companies that support it.
