OCTIS vs Opn Payments vs Stripe vs 2C2P for Thai businesses
Card, PromptPay and payout fees in baht, and which gateway publishes its price.
Last checked · 3 sources
Otty's short answer
Opn Payments and Stripe publish near-identical Thai card fees, 3.65% before VAT, and both charge 1.65% for PromptPay QR. Stripe adds ฿10 per card payment and 4.75% for international cards. Opn adds ฿20 per payout and lists Thai mobile banking at ฿10. 2C2P publishes no price and is quote-based. Choose Opn for local methods, Stripe for global cards, 2C2P for enterprise.
Side by side
Swipe to see every column
| What matters | OCTISHong Kong company + OCTIS global plan | Opn Payments (Omise) | Stripe | 2C2P |
|---|---|---|---|---|
| Setup fee | Set by our licensed partner; quoted before you commit | Not published | None | Not published |
| Monthly fee | Set by our licensed partner; quoted before you commit | Not published | None | Not published |
| Domestic card fee | Collecting payments via licensed partners; card fees set by our licensed partner, quoted before you commit | 3.65%, VAT excluded | 3.65% + ฿10 | Quote-based |
| International card fee | Set by our licensed partner; quoted before you commit | 3.65%, same for all cards | 4.75% + ฿10 | Quote-based |
| PromptPay QR fee | Set by our licensed partner; quoted before you commit | 1.65% | 1.65% | Quote-based |
| Mobile banking fee | Set by our licensed partner; quoted before you commit | ฿10 per payment | Not published | Quote-based |
| TrueMoney and LINE Pay | Set by our licensed partner; quoted before you commit | 2.65% and 3.65% | Not published | Wallets, quote-based |
| Payout to bank | Sending payments via licensed partners | ฿20, ฿150 over ฿2 million | Not on pricing page | Quote-based |
| Currency conversion | Foreign exchange via licensed partners | Not published | +2% when converted | Quote-based |
| Dispute fee | Set by our licensed partner; quoted before you commit | Not published | ฿500, plus ฿500 to respond | Quote-based |
| Installment payments | Set by our licensed partner; quoted before you commit | 3.65% (PayNext) | Not published | Yes, quote-based |
| Price published | Not published; 10–30% below your current bill | Yes | Yes | No |
If you have staff, premises or local sales in this country, its own registration and tax rules still apply. OCTIS can help you arrange them.
Data sources & disclaimer: Comparison data was compiled from publicly available sources — including the competitors' own published pricing and feature pages — captured on 9 November 2026. Figures reflect the typical or advertised pricing at that time and may have changed since; plans, inclusions and prices vary by provider, region and promotion. OCTIS is independent and not affiliated with the named companies; all trademarks belong to their respective owners. This comparison is provided in good faith for general information only and is not professional, legal or financial advice — please verify current details with each provider before deciding.
Which one fits you
OCTIS · Hong Kong company + OCTIS global plan
Choose OCTIS if you sell to customers in several countries and want collecting payments, accounts and CRM in one place instead of a separate gateway.
Opn Payments (Omise)
Choose Opn Payments if most of your customers pay with Thai cards, PromptPay or mobile banking, and you want published local method prices including a ฿10 mobile banking fee.
Stripe
Choose Stripe if you sell to overseas customers, want no setup or monthly fee, and can accept 4.75% on international cards.
2C2P
Choose 2C2P if you are a larger business that needs wallets, counter payment and card issuing across Asia, and you will negotiate a quote.
What the table does not show
What Opn Payments publishes
Opn Payments, formerly Omise, lists fees before 7% VAT. Cards are 3.65% per transaction, direct debit and mobile banking are ฿10 each, PromptPay QR is 1.65%, TrueMoney is 2.65% and LINE Pay and installments are 3.65%. Transfers to a connected bank cost ฿20 up to ฿2 million and ฿150 above that. The page shows no setup or monthly fee, but it also does not say there is none, and it gives no settlement time. Ask both in writing.
What Stripe publishes
Stripe states no setup, monthly or closure fees. Domestic cards are 3.65% plus ฿10, international cards are 4.75% plus ฿10, and an extra 2% applies when currency conversion is needed. PromptPay is 1.65%, and a refund of a PromptPay payment costs ฿10. A dispute costs ฿500 on receipt and another ฿500 if you respond manually, which is refunded if you win. Payout fees are on a separate page we did not read.
Where 2C2P fits
2C2P's Thai page lists cards, digital wallets, over 600,000 counter payment points across Asia, installments, payment links and in-store terminals, and names enterprise clients. It shows no pricing and sends visitors to contact sales, so treat it as quote-based. It does not describe settlement on that page. A small shop will usually find Opn or Stripe quicker to start, while a large merchant can negotiate rates with 2C2P.
Where OCTIS fits
OCTIS is not a payment provider and does not hold money. If your Malaysian or Hong Kong company collects from Thai customers through Opn, Stripe or 2C2P, fees and payouts still need booking and reconciling. OCTIS bookkeeping does that for the home company, and moving your accounting to OCTIS offers 10–30% off your current bill.
Frequently asked questions
What are Opn Payments fees in Thailand?
Cards 3.65%, PromptPay QR 1.65%, mobile banking and direct debit ฿10, TrueMoney 2.65%, all before 7% VAT. Bank transfers out cost ฿20 up to ฿2 million, then ฿150 per transfer.
Does Stripe support PromptPay in Thailand?
Yes. Stripe's Thailand pricing page lists PromptPay at 1.65% per successful transfer, with a ฿10 fee on each PromptPay refund. Check eligibility for your account type when you sign up.
Which is cheaper for PromptPay, Opn or Stripe?
They are the same on published rates, 1.65%. Opn adds ฿20 for each bank transfer out, so compare payout costs and settlement terms, not only the QR rate.
Is 2C2P cheaper for big volume?
Possibly, but it publishes no price. Ask for a written quote with your monthly volume, average basket and method mix, and compare it with the 3.65% card fees at Opn and Stripe.
Sources
Checked on the date above. Links open the provider's or regulator's own page.