2C2P vs PromptPay in Thailand

Merchant decision question

Use this when Thai checkout planning compares a PSP/gateway route with PromptPay QR or bank-transfer acceptance.

When 2C2P may fit

Choose 2C2P if a PSP-led route across cards, wallets, banking, and cash methods is needed and confirmed.

When PromptPay may fit

Choose PromptPay if Thai QR/bank-transfer behavior is the priority; confirm the bank or PSP route that enables merchant acceptance.

What to verify before integration

Confirm local entity, local bank account, KYB documents, supported merchant categories, and foreign merchant eligibility with each provider.
Ask for supported checkout flows, refunds, chargebacks, reconciliation exports, webhooks, plugins, and production support commitments.
Confirm settlement timing, payout currency, FX handling, reserves, tax invoices, and all contract fees in writing before launch.
Validate the exact payment methods needed for the market instead of assuming country coverage equals method coverage.

Pricing and settlement note

Published pricing is suitable for initial screening only. Actual pricing can vary by country, industry, volume, settlement currency, integration model, and contract terms. Confirm the official pricing page or a provider quote before going live.

Do not treat country coverage or brand support as proof that a specific merchant entity, industry, payout currency, or settlement workflow is available.

Public sources to verify

Questions merchants ask

Should we choose 2C2P or PromptPay in Thailand?

Use the comparison to prepare verification questions. The answer depends on customer behavior, merchant entity, industry, provider route, risk review, pricing, settlement, refunds, disputes, and support.

Does this page confirm merchant eligibility?

No. Merchant eligibility must be confirmed with the PSP, acquirer, wallet operator, bank, scheme, or platform route before integration.

Are fees or settlement timing guaranteed here?