How does PromptPay work for payments in Thailand, and can expatriates use it safely?

@Jeffrey *********

Let me try again: name me some things you like that don't have a potential downside.

The biggest risk to a happy life is an obsessive devotion to safety.

@Paul *******

a credit card your liability is limited. I lose the money in my pocket and my bank account is not drained

@Jeffrey *********

Bwahaha! Excellent! Your money is MAYBE safer with a credit card, but you can't use it most places in Thailand. 😳🙄

@Dan *******

555 sabai sabai

@Pa**

the bank account link doesn't work if you are a foreigner and the bank requires a Thai ID to link, as some of them do.

@Ivan ***********

Lazada linked to my Bangkok Bank account with no drama.

@Pa**

do you have a Thai ID card?

@Ivan ***********

Ah, I see your problem. You're trying to use Lazada Wallet to check out. And that does indeed require a Thai ID card.

Fortunately, Lazada offers many other options for payment, one of which is to use a debit card. No need to use the Lazada Wallet.

When you check out, you get to the payment part and you can pull up a list of options, as shown in the attached screen grab. The first time you do this, go down to the "Credit/Debit Card" option. There you enter the details for your Thai bank's debit card.

You can choose to save the card to your Lazada account, as I did, and all the details will be remembered for faster checkout next time. Easy!

Here's where you fill in your debit card details. You might even be able to use a western bank card here - not sure - I just use the debit card I got with my Bangkok Bank account.

@Paul *******

I know all that, I can use Lazada with a card fine. But

@Paul ******

said he linked his bank account with Lazada Wallet. There are certain advantages to being able to use that, such as extra discounts, I had Shopee Wallet for a long time but they took that away from foreigners due to Thai regulations.

@Ivan ***********

it works for me, linked to my KBank account via Lazada wallet.

Maybe it's not a direct link, it's a "Fast top up" I think you're right originally it was a direct link but they changed the rules.

@Pa**

thanks, I may look up KBank as would be handy to be able to link bank accounts

@Paul ********

and ive seen places not take cash here too

@Philip *********

getting rid of cash, it seems to be a world wide thing, governments see the cash economy as being linked to criminality, or money moving around that hasn't had tax paid on it, at least in Thailand there are lots of ways to pay cashless that doesn't cost anything, in the UK it's all chip and pin contactless payments, where there are lots of charges, the companies that supply the card readers, by basically being the middle man, between you and the bank are making millions in transaction fees, it is all wrong.

@Felix ***

have not been to a cash only place in years. Have been to quite a few No Cash (QR or card payments only) places in the past three years. Maybe "cash is king" for tourists but I haven't touched it in months.

@Rob *****

and even the “cash only” places usually accept online bank payments (transfer or qr scan) lol

@Steve ******

I thought 7-elevan did not accept payment by QR codes?

@Chuck ********

they only accept true money.

@Steve ******

thanks

@Steve ******

even in Bangkok not everywhere takes them . My point being why not have at least SOME money on you for emergencies . I always go out with about 1000 baht in smaller notes just in case

@Philip *********

if it's your bank account then you can use her id

@Philip *********

The App can only be used on one device! If it is your first device, you are still required to visit a Bank to set up the app. Might be questions asked setting up the app on a device with a different phone number associated with her account. Cheers

@Philip *********

you have to go to the bank to setup scan payment feature.

@Philip *********

Her account is connected to her phone number. You can't use the app on a 2nd device.

@Philip *********

you can setup a new number at the branch. SIM usually never expire, as long you top-up regularly.

@Philip *********

very popular now, even the food carts accept the scan payments

@Carsten ***********

Isn’t there also facial recognition for some banking apps?

@Marty ********

I don't know. I'm using fingerprint plus pin.

@Philip *********

It would probably be better if you had your own bank account.

@Incognia *********

I get almost the exact same conversion as XE conversion so if ok for me and instant transfer.

@Graeme ******

almost exact same conversion as XE, the interbank rate ? Like 1 or 2% less than ?