What is a Payment Gateway?
Choosing the right payment gateway is one of the most important factors in building an e-commerce website, because a good payment system will help increase conversion rates and build customer trust.
Workflow:
Bank type (via bank)
Bank Payment GatewayNon-Bank Category (Independent Service Provider)
Non-Bank Payment GatewayFee Comparison Table 2025
| Service provider | type | Fees (MDR) | Entrance fee | Annual fee | WooCommerce | Suitable for |
|---|---|---|---|---|---|---|
| KBank K-Payment | Bank | ~2.5–3.5% | have | have | ✓ | SME – Enterprise |
| SCB Payment | Bank | ~2.5–3.5% | have | have | ✓ | SME – Enterprise |
| Merchant iPay (BBL) | Bank | ~2.5–3.5% | 1,500 baht | 1,000 baht | ✓ | abroad |
| Omise (Opn) | Non-Bank | Card 3.65% / QR 1.80% | — | — | ✓ | Startup–SME |
| GB Prime Pay | Non-Bank | Start 2.5% | — | — | ✓ | SMEs of all sizes |
| 2C2P | Non-Bank | Negotiate | have | have | ✓ | Enterprise |
| Stripe | Non-Bank | 2.9% + $0.30 | — | — | ✓ | Global / SaaS |
| PayPal | Non-Bank | 3.49%+ | — | — | ✓ | Selling internationally. |
💡 note: MDR = Merchant Discount Rate, which is the fee a merchant pays per sale. The rate may vary depending on conditions and transaction volume. It is best to contact the service provider directly for an accurate quote.
Steps for applying for and installing a Payment Gateway.
- — Company registration certificate (for legal entities) or copy of ID card (for individuals).
- — Copy of the bank account details where you wish to receive the money.
- — Business address documents
- — Available website URL
Consider the size of your business, preferred payment methods, transaction volume, and compatibility with your website's system (WooCommerce / Shopify).
- — Register directly through the service provider's website.
- — Fill in business information and upload documents.
- — Awaiting verification. 3–14 business days
- - receive API Key / Merchant ID For installation.
1. WooCommerce → Settings → Payments
2. Install the provider's plugin.
3. Enter API Key / Secret Key
4. Tested in Sandbox Mode.
5. Enable Live Mode
- — Testing payment with Test Card.
- — Check webhooks and notifications.
- — Check the Thank You Page and the confirmation email.
- — Activate Live Mode and notify the customer.
Which payment gateway is best for your business?
summarize
There's no single definitive answer, but if I had to recommend something for online stores in Thailand that are just starting out or expanding their business:
Selection The right payment gateway from the start. This will significantly reduce long-term problems and increase the conversion rate of online stores.
Looking to develop an e-commerce website with a payment gateway system?
Creative Plus One provides comprehensive online store website design and development services, supporting both Shopify and WordPress (WooCommerce), including pre-installation of a payment gateway.
