Payment Methods Overview

One2Pays supports multiple payment methods to provide flexibility for your customers. Each payment method has its own characteristics, processing times, and requirements.

Supported Payment Methods

PromptPay

Thailand's national payment system that allows instant transfers using mobile phone numbers, national ID numbers, or QR codes.

Features:

Instant transfers
24/7 availability
Low transaction fees
Wide acceptance across Thailand

Best for: Small to medium transactions, retail payments, person-to-person transfers

Learn more about PromptPay →

Bank Transfer

Direct bank-to-bank transfers supporting all major Thai banks.

Features:

Secure bank-level encryption
Support for all major Thai banks
Batch processing capabilities
Detailed transaction records

Best for: Large transactions, B2B payments, recurring payments

Learn more about Bank Transfer →

Choosing the Right Payment Method

Consider these factors when selecting payment methods for your business:

Transaction Amount

Small amounts (< 1,000 THB): PromptPay
Medium amounts (1,000 - 50,000 THB): PromptPay, Bank Transfer
Large amounts (> 50,000 THB): Bank Transfer

Customer Preference

Tech-savvy users: PromptPay
Traditional users: Bank Transfer
Mobile users: PromptPay

Business Type

Retail/E-commerce: PromptPay, Bank Transfer
B2B: Bank Transfer, PromptPay
Services: PromptPay, Bank Transfer

Implementation

All payment methods can be implemented using the same API endpoint with different parameters:

import crypto from 'crypto';

const API_KEY = process.env.PAYMENT_API_KEY!;
const API_SECRET = process.env.PAYMENT_API_SECRET!;

async function createPayment(paymentMethod: 'promptpay' | 'bank_transfer') {
  const body = JSON.stringify({
    amount: '1000.00',
    currency: 'THB',
    referenceId: `order-${Date.now()}`,
    paymentMethod,
    customerBankAccountName: 'John Doe',
    customerBankAccountNumber: '1234567890',
    customerBankCode: '004',
    description: 'Payment description',
  });
  const timestamp = Date.now().toString();

  const message = `${timestamp}.${body}`;
  const signature = crypto.createHmac('sha256', API_SECRET).update(message).digest('hex');

  const response = await fetch('https://api.example.com/api/v1/payments', {
    method: 'POST',
    headers: {
      'X-API-Key': API_KEY,
      'X-Timestamp': timestamp,
      'X-Signature': `sha256=${signature}`,
      'Content-Type': 'application/json',
    },
    body,
  });

  return await response.json();
}