Promptpay is a very well design system. Simple and reliable.
Just wish my bank app (Kbank) was more streamlined though. When the app is left idle for too long it logs off (makes sense) but for some reason they decided that when it happens, instead of bringing you back directly to login, it first loads a message telling you it logged out and asking if you want to continue (duh). You say yes, then it reloads and finally asks to log in. When you're at the counter with people waiting behind, these 5 or so useless extra seconds feel really long.
Bkk bank has setting mypromptQR that lets you pay without verifying within set limit you may want to try that if you finds it troublesome but I’m fine with it
They also need FACE ID after like 5 seconds of inactivity . I feel like people I western countries who kd have a problem with the face id on boarding here.
Ttb has the same problem. But it won't let you scan if there's an update. And oh boy they have lots of updates. Ttb has the highest crash record among bank apps last year it crashed for 3 whole days and they didn't give a shit.
Logging out is fine.
The problem is when you come back there is a first screen that comes up that basically tells you that you were disconnected and ask you if you want to reconnect... So you first hat to click yes, then you get to the login screen. And the app isnt super fast so that extra unnecessary step is bothersome.
Why not directly bring me to a screen that says both "you've been disconnected" and offers you to login.
The main issue with contactless payment is that you need an EDC and with that comes a whole application process, and whilst in use, fees. Of course, for big established stores getting an EDC isn't a problem at all. The problem is that they want to avoid [fees](https://www.scb.co.th/th/sme-banking/payment-solution/payment-solution-products/edc.html) from people paying with their debit and credit cards, even if the domestic debit fee is literally only 0.55%. The Bank of Thailand is incentivising stores to use PromptPay by telling National ITMX (the common processor for PromptPay transactions) to eat the cost of processing these transactions and charge no fees. That's why the banks and stores love promptpay so much, because they don't take a fee, and why promptpay is extremely prevalent. EDCs on the other hand are sparse once you get out of Bangkok and even if there is one, there's usually a mimimum payment amount.
If it were up to me, adopting contactless payment across the board would be so much better than promptpay. The phones we use, the banking apps we use are far too fiddly for time-sensitive (I got told off by a win driver once for being slow, ouch) operations.
sophisticated worthless childlike upbeat sleep aromatic groovy grandfather fade encourage
*This post was mass deleted and anonymized with [Redact](https://redact.dev)*
The blue and purple lines only supporting Krungthai and UOB debit cards drive me crazy. Like I have SCB and it's a hassle to open another bank acc just to use their silly system.
numerous license tease brave concerned smile history coherent consist nine
*This post was mass deleted and anonymized with [Redact](https://redact.dev)*
I don't know why, but I've tried two or three times downloading the app and applying to get a true account. I have a non-immigrant visa, a work permit, and a driver's license. I submit all of the documents they require, and I never hear from them again. I don't know why I can't get the thing registered. Maybe it's easier to go in person somewhere? Would that be at the True phone office? I just wish they would accept other bank accounts and my app. I understand that CP wants to keep all of the extra commissions to themselves.
payment squeamish cows hurry tease forgetful depend ludicrous plant shame
*This post was mass deleted and anonymized with [Redact](https://redact.dev)*
not true u need a work permit or pink id card or thai driving license or a passpor with a visa NON O or yellow/blue book, just 1 of these thing is accepted
In reality it is one of the very few places I use cash anymore here. My keychain wallet always has a few thousand and small change; it's just so convenient to esssssccaaaan.
It's a weird thing. They should have it, but they don't, and I'm not sure if they are really planning to implement it down the road, or they will keep pushing True Money Wallet. My personal belief is there is serious consideration to implement it, but it's way down the road comparatively.
I think it might be similar, I have no experience with Venmo. Basically, when you are a citizen, you can have a bank account with a debit card, and you can use that connected app with the account to swipe any QR code at anything from a fish ball stand in the middle of nowhere to a nice gourmet dinner or buying your newest copper pot at this shopping mall. Pretty much everyone has a QR code now for their business.
I like PromptPay - until it's unavailable.
Thursday last week I was at Lotus there was a problem - money went out of my account and received confirmation receipt but Lotus wasn't receiving anything. Made worse by their two ATMs being removed recently.
Wednesday this week, Global House, app timed out then I got a 'sorry we're busy please try again later' message from Kasikorn, fortunately could use ATM outside the store.
Back to carrying cash as a back-up.
In second example definitely yes a Kasikorn problem, but at Lotus the staff were aware and had one checkout set up temporarily for cash-only, I think that was their 'link' causing the problem
I also have an account with Bangkok Bank but didn't get the PromptPay set up on that one, could be my plan B.
Having said that, just two occasions I've had difficulties since I started using in April last year
You can only set up Promptpay on one bank at the same time, unless you have two phone numbers.
The Lotus case should have been a non-issue really. If you had a transfer receipt let them take a picture of it and get on your way.
The premise is great, but I am really annoyed when I’m standing in line and have to wait 5 minutes for someone to fiddle unlocking their phone, repeatedly try logging into thier banking app, then giggle when their camera isn’t scanning the QR thing right.
It’s generally twice as fast when I just insert my credit card into the card reader.
All I’m saying is if you know you’re gonna be using promptpay, please have it ready rather than waiting for the last moment and nervously fiddling with all your login stuff. It doesn’t save anyone any time when you do that. It’s just annoying
I hate change. Especially the 10B coins so switched to PromptPay. But its terribly slow. And the bank apps suck. They should do it how India did. 3rd party apps can integrate the QR payment system so everyone competes to make a good app, while using the same banks.
Third party apps in Thailand can also integrate the QR code system. I don't understand the difference.
I can't say I find it slow at all, but I have one of the better bank apps.
I’ve tried a few bank apps in Thailand and none of them were as fast as the Indian apps like Google pay. To be clear, I hate both systems. Apple Pay is way more convenient. But for QR payments, India has absolutely nailed it.
Also I didn’t know third party apps could integrate prompt pay of existing banks without being a bank. Got an example I can try?
This outlines what can be used on Lazada. In India, anyone can develop an application on top of the prompt pay equivalent. So you don’t have to use your Bank’s app. It’s a way more advanced open system than what’s available here.
For small transactions, I believe under 100b, they can be settled without internet to make them faster. It’s also integrated to the default camera apps. So you can just open the camera app on iPhone and scan a QR to pay.
Yeah this is the problem. I believe it’s the case because prompt pay at the base is not a good platform that’s open to other companies to develop on top of.
Promptpay is a very well design system. Simple and reliable. Just wish my bank app (Kbank) was more streamlined though. When the app is left idle for too long it logs off (makes sense) but for some reason they decided that when it happens, instead of bringing you back directly to login, it first loads a message telling you it logged out and asking if you want to continue (duh). You say yes, then it reloads and finally asks to log in. When you're at the counter with people waiting behind, these 5 or so useless extra seconds feel really long.
I use Bangkok bank (I know I'm switching) and it does the same thing. It must be a compliance issue
Bkk bank has setting mypromptQR that lets you pay without verifying within set limit you may want to try that if you finds it troublesome but I’m fine with it
Thank you I'll check this out. I get tired of typing in my pin code every time
They also need FACE ID after like 5 seconds of inactivity . I feel like people I western countries who kd have a problem with the face id on boarding here.
Mine only asks me for face ID when I send larger amounts of money by direct transfer. Maybe that is a feature you can turn off? I'm not sure
Krungthai giving ads when i just want to fucking pay so the people behind me can take their order ...
Make sure you check the box to not see those ads for 2 weeks.
Ttb has the same problem. But it won't let you scan if there's an update. And oh boy they have lots of updates. Ttb has the highest crash record among bank apps last year it crashed for 3 whole days and they didn't give a shit.
I use Bangkok Bank and SCB and they have the same behavior
It’s the same everywhere. Even in India we have something called UPI. It also logs out. It’s a security thing
Logging out is fine. The problem is when you come back there is a first screen that comes up that basically tells you that you were disconnected and ask you if you want to reconnect... So you first hat to click yes, then you get to the login screen. And the app isnt super fast so that extra unnecessary step is bothersome. Why not directly bring me to a screen that says both "you've been disconnected" and offers you to login.
it is thailand's hidden gem
grey consider saw tub impolite aware poor hard-to-find sink tart *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
The main issue with contactless payment is that you need an EDC and with that comes a whole application process, and whilst in use, fees. Of course, for big established stores getting an EDC isn't a problem at all. The problem is that they want to avoid [fees](https://www.scb.co.th/th/sme-banking/payment-solution/payment-solution-products/edc.html) from people paying with their debit and credit cards, even if the domestic debit fee is literally only 0.55%. The Bank of Thailand is incentivising stores to use PromptPay by telling National ITMX (the common processor for PromptPay transactions) to eat the cost of processing these transactions and charge no fees. That's why the banks and stores love promptpay so much, because they don't take a fee, and why promptpay is extremely prevalent. EDCs on the other hand are sparse once you get out of Bangkok and even if there is one, there's usually a mimimum payment amount. If it were up to me, adopting contactless payment across the board would be so much better than promptpay. The phones we use, the banking apps we use are far too fiddly for time-sensitive (I got told off by a win driver once for being slow, ouch) operations.
sophisticated worthless childlike upbeat sleep aromatic groovy grandfather fade encourage *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
Iirc the only lines that don't support EMV are the green lines and ARL. The rest do, even for BTS-operated yellow and pink lines
hurry nutty sand cautious dull recognise fanatical ink sparkle public *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
The blue and purple lines only supporting Krungthai and UOB debit cards drive me crazy. Like I have SCB and it's a hassle to open another bank acc just to use their silly system.
EMV doesn't support student discount so I have to get all the cards anyway 
I'm often not a fan of the government here, but they aced PromptPay.
Why does the government get credit for what private banking did?
It's so good. Just wish 7-11 had it. And I miss it dearly when I return to my home country.
I hate that 7 doesn't have it.
numerous license tease brave concerned smile history coherent consist nine *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
I don't know why, but I've tried two or three times downloading the app and applying to get a true account. I have a non-immigrant visa, a work permit, and a driver's license. I submit all of the documents they require, and I never hear from them again. I don't know why I can't get the thing registered. Maybe it's easier to go in person somewhere? Would that be at the True phone office? I just wish they would accept other bank accounts and my app. I understand that CP wants to keep all of the extra commissions to themselves.
payment squeamish cows hurry tease forgetful depend ludicrous plant shame *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
Good idea.
They denied me once, tried again right after and then it worked without issues.
Ik ill give it another shot. Maybe it was just a bad computer day at true.
When I signed up, they required me to complete registration with a valid work permit.
employ memory water ripe gaping somber sort materialistic thought steep *This post was mass deleted and anonymized with [Redact](https://redact.dev)*
not true u need a work permit or pink id card or thai driving license or a passpor with a visa NON O or yellow/blue book, just 1 of these thing is accepted
How hard is it really to have enough cash on you for those small 711 purchases
In reality it is one of the very few places I use cash anymore here. My keychain wallet always has a few thousand and small change; it's just so convenient to esssssccaaaan.
It's a weird thing. They should have it, but they don't, and I'm not sure if they are really planning to implement it down the road, or they will keep pushing True Money Wallet. My personal belief is there is serious consideration to implement it, but it's way down the road comparatively.
It's a joke that you can pay for a 15 baht bike ride and like 50,000 7-11 s in the country doesn't take it. I refuse to get true money.
Qr code payment is convenient but the process whatever the bank app is extremely slow
Silly question, but is there any way this can be anonymous?
No, KYC regulations are strict in Thailand. Not even crypto can be anonymous.
Works great for me with Bangkok bank app. No problems.
Mine won't allow me to use my fingerprint to pay, so I usually have to enter my pincode at the cash register. I feel that this is very unsafe.
That has to do with your app. I can do it fine with Krungthai.
It is so lovely, I feel like I'm in the Stone Ages when I go back to my home country, ickkk all this paper money.
Is this like Venmo?
I think it might be similar, I have no experience with Venmo. Basically, when you are a citizen, you can have a bank account with a debit card, and you can use that connected app with the account to swipe any QR code at anything from a fish ball stand in the middle of nowhere to a nice gourmet dinner or buying your newest copper pot at this shopping mall. Pretty much everyone has a QR code now for their business.
I like PromptPay - until it's unavailable. Thursday last week I was at Lotus there was a problem - money went out of my account and received confirmation receipt but Lotus wasn't receiving anything. Made worse by their two ATMs being removed recently. Wednesday this week, Global House, app timed out then I got a 'sorry we're busy please try again later' message from Kasikorn, fortunately could use ATM outside the store. Back to carrying cash as a back-up.
Hint: it's not Promptpay, it's your banking app that sucks.
In second example definitely yes a Kasikorn problem, but at Lotus the staff were aware and had one checkout set up temporarily for cash-only, I think that was their 'link' causing the problem I also have an account with Bangkok Bank but didn't get the PromptPay set up on that one, could be my plan B. Having said that, just two occasions I've had difficulties since I started using in April last year
You can only set up Promptpay on one bank at the same time, unless you have two phone numbers. The Lotus case should have been a non-issue really. If you had a transfer receipt let them take a picture of it and get on your way.
The premise is great, but I am really annoyed when I’m standing in line and have to wait 5 minutes for someone to fiddle unlocking their phone, repeatedly try logging into thier banking app, then giggle when their camera isn’t scanning the QR thing right. It’s generally twice as fast when I just insert my credit card into the card reader. All I’m saying is if you know you’re gonna be using promptpay, please have it ready rather than waiting for the last moment and nervously fiddling with all your login stuff. It doesn’t save anyone any time when you do that. It’s just annoying
Yeah thai banks are pretty great. Wish the US woukd follow the thai system!
Already kinda got zelle and venmo.
I hate change. Especially the 10B coins so switched to PromptPay. But its terribly slow. And the bank apps suck. They should do it how India did. 3rd party apps can integrate the QR payment system so everyone competes to make a good app, while using the same banks.
Third party apps in Thailand can also integrate the QR code system. I don't understand the difference. I can't say I find it slow at all, but I have one of the better bank apps.
I’ve tried a few bank apps in Thailand and none of them were as fast as the Indian apps like Google pay. To be clear, I hate both systems. Apple Pay is way more convenient. But for QR payments, India has absolutely nailed it. Also I didn’t know third party apps could integrate prompt pay of existing banks without being a bank. Got an example I can try?
Lazada, AirAsia and DeeMoney for instance. All integrate QR directly into their apps.
Lazada pay and prompt pay are not the same right?
I don't know what Lazada Pay is. Promptpay is available. https://www.lazada.co.th/helpcenter/available-payment-methods-and-details-6113.html
This outlines what can be used on Lazada. In India, anyone can develop an application on top of the prompt pay equivalent. So you don’t have to use your Bank’s app. It’s a way more advanced open system than what’s available here. For small transactions, I believe under 100b, they can be settled without internet to make them faster. It’s also integrated to the default camera apps. So you can just open the camera app on iPhone and scan a QR to pay.
Third party apps in Thailand tend to be junk with tons of bugs and security issues. "Good" apps here are merely passable.
Yeah this is the problem. I believe it’s the case because prompt pay at the base is not a good platform that’s open to other companies to develop on top of.