around midnight on Friday and Saturday and maybe other midnights too almost all electronic payment systems in Thailand failed even credit cards because the banks cannot handle the volumes.
I have is from a person who is building payment processing terminals...
Useless. I see no benefit. Every 10 times you try to use QR codes the bank doesn't respond or it's off or we do maintenance or it doesn't plane work anyway. I have bank accounts but even so.
So your cash always work.
If you need to pay your electricity bill you can just go to 7-Eleven and pay there been scan it and you pay them cash.
I lived in Thailand for 5 years and so far the digital services and the Colby at the Schultz sign up was all not working and basically a failure so....
well zip code thing seems strange because only American companies use zip code when they charge a credit card. But for foreign transaction no other country use zip codes or anything else.
International credit card transactions are done purely the credit card number the expiry date and the "secret" three digits on the back... Secure. Lol