Card, QR, wallet, BNPL
Physical, grouped, free in TH
Auto reconcile & payout
By item, custom & commission
More ways to pay than any bank terminal.
A bank's EDC takes cards and, if you're lucky, one QR. Papaya's terminal takes every method your guests reach for — cards, contactless, PromptPay QR, e-wallets and buy-now-pay-later — on one free, cordless device a server can carry straight to the table.
KBank
SCB
Krungsri
Bangkok Bank
OPN
Xendit
Ksher
BeamKBankSCBKrungsriBangkok BankOPNXenditKsherBeamOne system, so the money is always right.
A bank terminal sits beside your POS — you key every amount in twice and match the slips by hand at close. Papaya's terminal runs on the same system as your POS, so each charge is tied to its order the moment it's taken: no errors, no double work, no fraud, and reconciliation that's already done.
The amount comes straight from the order — never keyed in twice.
Every charge posts to the right bill on its own. No re-entering.
Staff can't invent amounts — the till always matches the kitchen.
One ledger matches every payment to its order automatically.
Taking payments in two days, not two months.
No bank queue, no weeks-long terminal application, no paperwork limbo. Sign up and you're approved and taking real payments on a free Papaya terminal within two days.
Weeks of waiting
Applications, credit checks and paperwork before a single payment — then a paid rental for a device that only takes cards.
Live in two days
Sign up, get approved, and a free cordless terminal is taking every payment method — all on the same system as your POS.
Customers shouldn't have to wait to pay.
Running back and forth with the bill and the card machine isn't service — that's just admin. When guests are ready to leave, they just want to be out the door, and the faster they can settle up, the sooner the table is free for the next group. Let them scan, split and pay from their own phone, and you turn tables faster without a server tied to the checkout.
- Turn tables faster — every minute saved at checkout is a minute the table can earn again.
- Guests split it themselves — by item, evenly or a custom amount, each in their own method, with no server untangling the bill.
- No app to download — scan the QR on the bill and pay in the browser, no queue at the till.
PromptPayTrueMoneyRabbit LINE PayShopeePayAlipayWeChat PayK PLUSSCB EasyBangkok Bank
GrabPayAtomePromptPayTrueMoneyRabbit LINE PayShopeePayAlipayWeChat PayK PLUSSCB EasyBangkok BankGrabPayAtomeHowever they want to pay, you can take it.
A tourist taps a Visa. A regular scans PromptPay. A student splits the bill on Atome. Papaya Pay accepts all of them through the same checkout — on a server's phone, the EDC terminal, or your online ordering page — and lands every one in the same place.
- Cards — Visa, Mastercard, JCB, UnionPay, contactless & chip
- PromptPay QR — dynamic, per-bill QR with instant confirmation
- E-wallets — TrueMoney, ShopeePay, Rabbit LINE Pay, Alipay, WeChat Pay
- Bank transfer & BNPL — direct transfer plus Atome instalments
Every payment tied to its order, then settled to your account.
However a bill is paid — card, QR, a wallet, or a few of them at once — each charge is matched back to the order the moment it clears, so reconciliation is already done before you close. Then the day's takings are batched and settled straight to your bank account, with no manual matching and no midnight spreadsheet.
Every charge tied to the bill it settled.
Statuses checked & cleared with the provider.
Batched and paid to your bank on schedule.
3D Secure & fraud checks on every charge.
One payments layer, end to end.
Accept
- Card, QR, wallet, transfer, BNPL
- Phone, EDC terminal & online
- Contactless, chip & dynamic QR
- Tips & service charge on device
Reconcile
- Status checks against providers
- Automatic settle & retry
- Refunds & partial refunds
- Matched to every order
Settle & control
- Scheduled payouts & analytics
- Split & commission rules
- 3D Secure & fraud checks
- Per-outlet roles & reporting