East Asia & Pacific · GDP rank #27
Thailand
TH · THB @ 0.0306/USD
Tab 02
Consumer payments
How consumers actually pay: the share of cash, the stock and flow of cards, the scheme split at checkout, which mobile wallets matter, and how broadly POS acceptance reaches.
Every figure is authored against a named publisher — click the ⓘ anywhere to open the source panel with the underlying URL and access date.
Cash share of POS volume
Cash share of POS value
Debit-card penetration
Credit-card penetration
Payment mix
Cash vs. non-cash
The authored corpus for this country carries a single cash figure; the remainder is reported as a pooled non-cash bucket. See the card and wallet sections for the break-down within that bucket.
Share of POS
- Cash39%
- Non-cash (cards + wallets + A2A)61%
Cash behaviour
- Trend
- declining
- Context
- Cash share continues to fall as PromptPay subsumes retail A2A; wet-market and rural cash use remains materially higher.
Source · Bank of Thailand (BOT)
Scheme share
Which networks clear the card volume
Scheme share is the split of general-purpose card purchase volume — not issuance, not count of cards. A high domestic share (e.g. UnionPay, RuPay, ELO) means a large share of card flow never touches a global scheme.
TPN (Thai Payment Network) is the domestic scheme operated by National ITMX; mandatory co-badging on Thai-bank debit cards.
Share of card volume
- Visa41%
- Mastercard36%
- Tpn18%
- Jcb3%
- Amex2%
Debit transactions · 2024
Active debit cards
Credit transactions · 2024
Active credit cards
Mobile wallets
Where wallets actually land
User counts are the best single scalar for wallet reach, but they understate usage intensity in markets where one super-app carries multi-digit trillions of renminbi or rupees. For flow, see the rails tab.
Active users
- TrueMoney Wallet33.0M
e-wallet
- Rabbit LINE Pay14.5M
transit + wallet
- ShopeePay12.0M
super-app wallet
Notable wallets
TrueMoney Wallet
e-wallet
Operator · Ascend Money (Charoen Pokphand Group + Ant International)
Largest wallet by MAU. Ascend Money is one of the three virtual-bank licence winners (announced 2025).
TrueMoney
Rabbit LINE Pay
transit + wallet
Operator · BTS Group + LINE Biz Plus + AIS
Rabbit LINE Pay
ShopeePay
super-app wallet
Operator · Sea Group
Sea Group
Acceptance
- POS terminals
- 1.2M
- POS per million people
- 16.4k
- QR acceptance
- Thai QR Payment Standard (BOT-coordinated) supports PromptPay + card scheme QR; interoperable across banks and wallets.
Source · Bank of Thailand (BOT)