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Krungthai Mobile Banking (Krungthai NEXT)

Accept instant payments via Krungthai NEXT mobile app from Krungthai Bank, Thailand's state-owned bank with extensive nationwide reach and 5+ million users.

Payment Flow​

Mobile Banking Payment Flow

Step-by-step mobile banking payment process:

❶ Select Bank - Customer chooses their bank at merchant checkout

❷ Redirect to bank - System redirects to bank's payment authorization page

❸ Open banking app - Deep link automatically launches the bank's mobile app

  • On iOS: Opens via Universal Links
  • On Android: Opens via App Links
  • Customer sees "Open in [Bank] App" prompt

❹ Authenticate - Customer logs into banking app (if not already logged in)

  • PIN entry (6 digits)
  • Fingerprint scan
  • Face ID recognition

❺ Review payment - Transaction details displayed in app:

  • Merchant name
  • Payment amount
  • Order reference
  • Account to debit from

❻ Authorize payment - Customer confirms the transaction

  • Enter additional PIN/OTP if required by bank
  • Tap "Confirm Payment" button

❼ Payment processed - Bank immediately transfers funds

❽ Confirmation - Success screen shown in app

  • Transaction reference number
  • Receipt available for download

❾ Return to merchant - Customer redirected back to merchant website

  • Automatic redirect or "Return to Merchant" button
  • Order confirmation page displayed

Typical completion time: 30-90 seconds

Overview​

Krungthai NEXT is the mobile banking app from Krungthai Bank (KTB), a state-owned commercial bank and one of Thailand's largest financial institutions. With the widest branch network in Thailand, KTB serves customers across all provinces.

Key Features:

  • ✅ Fast confirmation - Near real-time payment verification (typically within seconds)
  • ✅ 5+ million users - Wide reach in rural and urban areas
  • ✅ State-owned - Government bank with high trust
  • ✅ High limits - Up to ฿150,000 per transaction
  • ✅ Nationwide presence - 1,200+ branches across Thailand
  • ✅ Refund support - Full and partial refunds

Supported Region​

RegionCurrencyMin AmountMax AmountAPI Version
ThailandTHB฿20.00฿150,000.002017-11-02

How It Works​

Payment Flow:

  1. Customer selects "Krungthai Bank" at checkout
  2. Merchant creates source and charge
  3. Customer redirected to open Krungthai NEXT app
  4. Customer authenticates with PIN, fingerprint, or Face ID
  5. Customer reviews and confirms payment
  6. Customer returns to merchant website
  7. Webhook confirms payment status

Typical completion time: 30-90 seconds

Implementation​

Create Source and Charge​

const omise = require('omise')({
    secretKey: 'skey_test_YOUR_SECRET_KEY'
});

// Create source
const source = await omise.sources.create({
    type: 'mobile_banking_ktb',
    amount: 100000,  // ฿1,000
    currency: 'THB'
});

// Create charge
const charge = await omise.charges.create({
    amount: 100000,
    currency: 'THB',
    source: source.id,
    return_uri: 'https://yourdomain.com/payment/callback'
});

// Redirect to KTB NEXT app
res.redirect(charge.authorize_uri);

Refund Support​

// Full or partial refund within 30 days
const refund = await omise.charges.refund('chrg_test_...', {
    amount: 100000  // Full or partial amount
});

Testing​

Test Amount: ฿1,000 (100000 smallest unit) Expected: Successful payment in test mode

FAQ​

What is Krungthai NEXT?

Krungthai NEXT is the mobile banking app from Krungthai Bank (KTB), Thailand's state-owned commercial bank. With the widest branch network in Thailand (1,200+ branches), KTB serves customers across all provinces and is particularly popular with government employees and rural communities.

Do customers need a Krungthai account?

Yes, customers must have an active Krungthai Bank account and the Krungthai NEXT app installed. The app is free on iOS and Android.

What are the transaction limits?
  • Per transaction: ฿20 to ฿150,000
  • Daily limit: Up to ฿2,000,000 (varies by customer account settings)

Customers can adjust their daily limits in the Krungthai NEXT app settings.

How long does settlement take?

Krungthai mobile banking settlements typically occur within 1-2 business days. Check your Omise dashboard for specific settlement schedules.

Can I refund Krungthai payments?

Yes, full and partial refunds are supported within 30 days of the original transaction.

What if payment expires?

Payments expire after 30 minutes by default. Allow customers to retry with a new charge. Display a countdown timer to show remaining time.

Is Krungthai available 24/7?

Yes, Krungthai NEXT is available 24/7 including weekends and holidays. However, settlement follows business day schedules.