Kasikorn Bank, also called KBank, is a popular bank in Thailand, regularly emerging at the top of customer satisfaction and brand loyalty surveys by NielsenIQ. Established on 8 June 1945, the bank has grown to have over 23.4 million customers in Thailand in 2024. Its mobile banking app, K PLUS (also styled K+), has over 22.2 million users.
K PLUS offers digital payment features for customers and merchants for various transaction types. Many users rely on K PLUS for day-to-day payments, mainly due to its integration with Kasikorn Bank’s core banking services.
K PLUS is relevant for merchants operating in sectors where Thai consumers are the primary audience. This guide provides an overview of K PLUS payments for global merchants.
K PLUS is a mobile banking application designed for individual and business users in Thailand. It combines traditional banking features with advanced payment capabilities, allowing users to transfer funds, pay bills, and make purchases on their mobile phones. K PLUS covers a diverse demographic ranging from urban dwellers to rural customers in Thailand.
The app supports on-site (in-store) and off-site payment flows, making it suitable for businesses operating across multiple contexts, including retail, e-commerce, and service industries.
As part of KBank's mobile banking suite, K PLUS allows the bank’s customers to manage their finances directly through the app. Customers can transfer funds, top-up digital wallets, schedule cash withdrawals, manage their cards, and apply for loans through the app. They can also make payments (see the next section for details).
K PLUS has also released financial management features, allowing users to view asset and loan portfolios, track income and expenses, and set a monthly budget.
Customers using K PLUS can perform a variety of payment activities:
K PLUS integrates with various payment channels, including credit cards and bank transfers, making it suitable for mixed payment environments.
It integrates with Google Pay — users can add their KBank Visa credit card to Google Pay on the Google Wallet app. This integration lets K PLUS users make contactless payments by tapping their phones on terminals enabled with NFC (Near Field Communication).
K PLUS also comes with UnionPay QR code integration. K PLUS users travelling outside Thailand can pay merchants in other countries by scanning UnionPay QR codes. Nearly 6.7 million merchants in 42 countries and regions use UnionPay QR codes.
K PLUS supports off-site payment flows, meaning a customer who initiates a transaction on a merchant's website or app will be redirected to K PLUS to authorise their payment. Once authorised, the payment is confirmed.
K PLUS is protected by KBank’s Bank’s digital security system. Features like multi-factor authentication and facial recognition for transaction verification are optional but recommended. Customers can report financial corruption, fraudulent incidents, and potentially criminal behaviour through LINE Official, email, telephone hotline, or the K PLUS app.
The payment authorisation step within K PLUS facilitates secure processing. It uses verification methods such as PINs, OTP (One-Time Passwords), and biometric authentication (fingerprint or facial recognition).
This feature allows end-user recipients to receive the full amount of international transfers without deductions from service charges. KBank released this feature due to its diverse user base, which includes exchange students, expats studying abroad, and online retail stores or businesses with a multinational presence.
K-Global Money Transfer supports 15 currencies in 62 countries and regions. Users can send payments to the recipient’s bank account or, in some countries, their phone number (PayNow ID for recipients in Singapore and KBZPay phone number for Myanmar).
Users can store digital membership and loyalty cards within the K PLUS app. They also receive promotions and special offers tailored to their spending habits.
Merchants interested in linking their payment systems with K PLUS can work with KBank to set up integration processes. You can integrate K PLUS into your online store using pre-built APIs or with the help of a payment solutions provider like Antom.
K PLUS lets merchants receive payments through QR code scans and tap-to-pay methods. For online businesses, transactions go through an off-site payment flow, redirecting consumers to the K PLUS app.
Merchants can accept international payments via Alipay+ and WeChat through the K SHOP app. Merchants can also create payment links and share them over chat messaging, social media, and email. The app supports KBank credit card instalment payments, as well as automated and on-demand settlements.
According to KBank, more than one in three online transactions in Thailand take place on K PLUS. In 2025, the bank also seeks to expand or grow services in China, Vietnam, and Indonesia.
Customers initiate a payment via the K PLUS app by scanning a merchant-provided QR code or selecting the payment option during online transactions.
The payment authorisation step ensures that all transactions are verified for security. Customers must confirm via PIN, OTP, or biometric authentication before proceeding.
Upon successful authorisation, a charge completion webhook event sends a notification to the merchant, confirming the payment. The merchant’s system receives the transaction update in real time.
K PLUS is an established mobile banking application in Thailand, offering secure and versatile payment methods for both in-person and online transactions. With a large user base and integration capabilities tailored to the Thai market, it plays a vital role in Thailand's growing cashless economy.
Global merchants operating in Thailand or targeting local consumers may find K PLUS integral to their business. To determine whether K PLUS is relevant for you, schedule a chat with an Antom payment expert today. Our expertise spans 40 countries, and we have extensive partnerships with regional banks, gateways, developers, and more.