TrueMoney

In Thailand, convenient digital payments are not confined to mobile social apps, but are deeply woven into everyday life—from convenience stores and bill payments to secure, small-value cross-border remittances. TrueMoney is a key architect of this vast and inclusive financial ecosystem.

As a pioneer of Thailand's digital wallets founded by Ascend Money in 2003, TrueMoney has earned the trust of over 27 million users through its secure, seamless domestic and cross-border transfers and deeply localised services. Today, the platform boasts a highly active and loyal base of 17 million users.

TrueMoney has developed a flexible hybrid online-and-offline payment model. Users can top up their wallets with cash or bank transfers at tens of thousands of convenience stores nationwide, or link their bank cards directly to make digital payments without the need to top-up their wallets. TrueMoney supports online shopping, game top-ups, and over 70 types of bill payments—ranging from utilities and internet to traffic fines—covering virtually every facet of daily life for Thai consumers. Every transaction is safeguarded by PIN or biometric authentication, ensuring a consistently secure and reliable payment experience.

For merchants looking to expand into the Thai market, integrating TrueMoney offers immediate access to a large, loyal, and highly engaged user base. It not only helps you reach consumers who are comfortable with online payments, but also effectively connects with users who prefer paying in cash or place greater trust in local services, thanks to its extensive offline reach and inclusive financial positioning. Whether for e-commerce, digital content, or subscription-based services, TrueMoney delivers powerful growth momentum backed by scale, trust, and everyday relevance.

Properties

The following table lists the product properties supported by TrueMoney:

User experience

Note: The following payment flows on different terminals are for reference only. For supported merchants' terminal types, consult Antom Technical Support.

The following screenshots show the journey of paying with TrueMoney:

FAQ

1. What position does TrueMoney hold in Thailand's digital wallet market?

TrueMoney is deeply embedded in everyday life across Thailand. It can be used not only online, but also for top-ups and bill payments, such as utilities and traffic fines, at more than 50,000 convenience stores nationwide. This deep lifestyle integration makes TrueMoney irreplaceable in Thailand's inclusive financial ecosystem.

2. Which spending scenarios and user segments does TrueMoney primarily cover?

TrueMoney supports nearly every major daily spending scenario in Thailand. This comprehensive real-world coverage has resulted in an exceptionally broad user base, ranging from younger consumers who are comfortable with digital payments to middle-aged, older, and underserved users who rely on cash top-ups and offline service locations. As a result, merchants can reach customer segments that traditional digital payment methods often fail to capture.

3. I understand that TrueMoney supports cross-border remittances. How useful is this for my business?

This feature offers great practical value. TrueMoney is one of the few licensed digital wallets in Thailand authorised to provide cross-border remittance services. This means that if your business needs to accept payments from overseas—such as neighbouring countries—or serve Thai communities abroad, TrueMoney offers an easy and compliant digital payment channel, a feature that remains relatively rare among other digital wallets.

4. What payment security measures does TrueMoney have in place?

TrueMoney has developed a comprehensive security framework. Every transaction requires PIN or biometric authentication, ensuring that all payments are secured and authorised by the user. Additionally, because payments are deducted directly from digital wallet balance or a linked bank card, transactions are not subject to credit card chargeback disputes. This fundamentally eliminates the risk of malicious chargebacks and protects merchants from associated losses. Merchants integrating through Antom can also leverage the platform's AI-powered risk management for an added layer of security.

5. How complex is the technical integration for TrueMoney via Antom?

Antom provides a standardised integration solution for TrueMoney with very low technical barriers. You can go live quickly via Antom's unified API or checkout page integration without needing to apply for separate qualifications or deploy specialised systems. The platform also supports a full suite of features, including real-time payment result updates, 365-day refunds, and standard T+4 settlement. Integration can typically be completed within one to two weeks.

If you are looking to tap into Thailand's broad consumer market, TrueMoney is an essential payment option. Contact us today for a customised integration plan.