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K-Payment Gateway

​​​​​​​​​​​​Shop online with peace of mind.

Online payment service. Any currency. Worldwide.​

 
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Shop 24/7. Pay with credit / debit cards.

 

Accept VISA MasterCard
JCB and UnionPay

 

Accept 35 currencies

 

Convert currency automatically
for foreign card holders


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Service Details


  • A Fraud Warning Traffic Light (green/yellow/red) provides a clear warning notice for potentially fraudulent transactions. This enables online merchants to decide about order acceptance with confidence
  • Transaction Lists and Search Transactions results can be downloaded as text files
  • Full or partial settlements can be selected
  • Transactions can be canceled based on the cardholder's decision
  • Various purchase reports are available
    • Transaction Summary Report
    • Transaction Details Report
    • MCC Settlement Report
    • DCC Settlement Report
    • SmartPay Settlement Report
  • You can download the Merchant Reporting Application's installation and instruction manual
  • Creating an initial code for connecting the system automatically (Code Library) provides convenience to all stores using the K-Payment Gateway for the first time, as it can be connected quickly
  • The payment screen has been designed to support multiple languages

Service Hours

7 days 24 hours


Languages

Thai and English


Password for using the service

Stores will receive your username (User ID) and password (Password) for the Merchant Reporting Application as a password for initial access, and users will then be requested to change their password immediately.


Computer Specifications

  • Merchant’s Server
    • K-Payment Gateway is compatible with various server operating systems such as UNIX, Linux, Windows, and others. For data connections, HTML will be used for transmitting data between the bank’s and merchant’s servers, making it easy to install
    • In the case that merchant would like to use real-time information for credit card transactions, at least 128-bit SSL encryption with a certificate from a Trusted Certification Authority such as Verisign or Entrust must be installed
  • Customer’s Computer
    • Customers can use any computer that can access the Internet using a browser such as Internet Explorer version 9.0 or higher, Netscape Navigator, or Mozilla Firefox
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Pay by KBank credit cards with installment option.

From 3 - 10 months*

Note: Interest rates as stipulated in the bank’s announcement

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Service Details

Fees
  • Transaction fee : 3 - 5% of the transaction amount
  • A guarantee deposit of 200,000 baht

Note: The bank reserves the right to increase the guarantee deposit to be in line with the increased sales volume in the future.

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How to Apply

Qualifications
  • The company must have been registered in Thailand as a company or business partnership for at least 3 years with a good credit history and registered capital of at least 2 million baht. There must be no history of bad credit with any financial institution
  • Must sell products/services that are legal and that conform to prevailing moral standards, and that are not categorized as the following businesses :
    • All drugs
    • Cigarettes, tobacco, all kinds of addictive substances
    • Gambling
    • Cyber Malls
    • Matchmaker services
    • Firearms
    • Pornographic products, media, or services
    • Time-sharing businesses
  • Must have a website ready to connect to the bank's system registered in the name of the company, the business partnership, or the managing director/managing partner who is an authorized signatory according to the certificate of registration of the company / partnership

Note: The bank reserves the right to approve applications for credit card-accepting merchants for K-Payment Gateway in accordance with the bank committee's consideration.

Required Documents
  • K-Payment Gateway Service application form [TH] / [EN]
  • Appendix Card Payment [TH] / [EN]
  • Appendix QR Code Wallet Payment [TH]​ / [EN]

Limited Partnership

  • Certificate of registration issued not more than 3 months prior to submission.
  • Copy of VAT Certificate (Por Por 20)
  • Audited statement of income and balance sheets for the past 2 years
  • Copy of house registration and national ID card of the authorized signatory (for foreign national, valid passport and work permit are required)
  • Bank account statements for the past 3 months
  • Business establishment’s interior and exterior photographs a map of the location of the establishment
  • For a rented office, a rental contract with validity of at least six months is required
  • Proof of Internet domain name registration in the name of the business partnership or an authorized signatory
  • Sample of product/service information web page and payment/check-out web page

Company Limited

  • Certificate of registration issued not more than 3 months prior to submission.
  • Copy of Memorandum of Association and Articles of Association
  • Copy of VAT Certificate (Por Por 20)
  • Minutes of company’s board meeting identifying two resolutions :
  • to become a credit card accepting merchant with KBank
  • to open a current or savings account for accepting the payments (If applicant already has account with the bank, please provide account number)
  • Audited statement of income and balance sheets for the past 2 years
  • Copy of house registration and national ID card of the authorized signatories (for foreign national, valid passport and work permit are required)
  • Account statements for the past 3 months
  • Business establishment’s interior and exterior photographs a map of the location of the establishment
  • For a rented office, a rental contract with validity of at least six months is required
  • Proof of Internet domain name registration in the name of the company or the business owner who is an authorized signatory
  • Sample of product/service information web page and payment/check-out web page
How to Apply
  • Fill out the K-Payment Gateway Service application form
    available at branches near you
  • Submit the application form at any branch
    along with the required documents certified as authentic copies in front of a bank’s staff at the branch
Approval Turnaround Time and Delivery of User ID
Approval of merchant account takes approximately 2 weeks after all required documents are received. Upon application pre-approval, the bank will send out an offering letter, which will need to be signed by the authorized signatory and returned to the bank. The bank will then make an appointment for you to visit the branch office to make a guarantee deposit. Bank will send username and password after the final approval.
Service Process
The merchant can access to Merchant Portal by using username and password to get system configuration parameter information and View transaction information.

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Frequently Asked Questions

What is K-Payment Gateway ?

A service allowing payment for goods and services via the Internet by providing credit or debit card information linked to the banking system.

Who is this service suitable for ?

E-Commerce entrepreneurs who are selling products and services on the Internet.

Are debit cards acceptable ?

Payments for goods and services using debit cards are acceptable. However, this also subjective to the debit card issuing bank’s conditions.

Are credit cards from foreign banks acceptable? Are there any fees related to currency conversion ?

Yes. We have an automatic converter called DCC (Dynamic Currency Conversion), which will automatically convert the payment amount in baht into the cardholder’s home currency.

What kinds of products or services can be applied for ?

Merchants can sell any kinds of products and services, except for all types of drugs, cigarettes, tobacco, all kinds of addictive substances, gambling, Cyber Malls, matchmaker services, firearms, pornographic products, media, or services, or time-sharing businesses.

Is this service safe ?

K-Payment Gateway provides data security for both merchants and their cardholders with a 2048-bit SSL data encryption system and a secure standardized network firewall including a "Verified by VISA" system, "MasterCard SecureCode" system, "J/Secure" system, and "UPOP (UnionPay Online Payment)" system to ensure the highest level of protection for merchants in accepting orders from customers.


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Key Features

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Service Details

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How to Apply​​

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