Digital Wallets

Accept payments from Southeast Asia's most popular digital wallets, reaching millions of customers across Thailand, Singapore, Malaysia, Philippines, and beyond.

Overview

Digital wallets (e-wallets) are mobile payment methods that allow customers to pay using their smartphone apps. These wallets are extremely popular in Southeast Asia, with high penetration rates among mobile-first consumers.

Why Digital Wallets?

🚀 Growing market - 60%+ of SEA consumers use e-wallets regularly
⚡ Instant confirmation - Real-time payment verification
📱 Mobile-first - Optimized for smartphone users
🔒 Secure - No card details shared with merchants
💰 Lower friction - One-tap checkout experience
🌏 Regional reach - Access local payment preferences

Supported Digital Wallets

Thailand 🇹🇭

Wallet	Users	Currencies	Refundable	Settlement
TrueMoney Wallet	30M+	THB	✅ Yes	1-3 days
Rabbit LINE Pay	12M+	THB	✅ Yes	1-3 days
ShopeePay	8M+	THB, SGD, MYR	✅ Yes	1-3 days

Singapore 🇸🇬

Wallet	Users	Currencies	Refundable	Settlement
GrabPay	187M+	SGD, MYR, THB	✅ Yes	1-3 days
ShopeePay	8M+	SGD, THB, MYR	✅ Yes	1-3 days

Malaysia 🇲🇾

Wallet	Users	Currencies	Refundable	Settlement
Touch 'n Go eWallet	18M+	MYR	✅ Yes	1-3 days
Boost	9M+	MYR	✅ Yes	1-3 days
GrabPay	187M+	MYR, SGD, THB	✅ Yes	1-3 days
ShopeePay	8M+	MYR, SGD, THB	✅ Yes	1-3 days

Indonesia 🇮🇩

Wallet	Users	Currencies	Refundable	Settlement
DANA	150M+	IDR	✅ Yes	1-3 days
ShopeePay	8M+	IDR	✅ Yes	1-3 days

Philippines 🇵🇭

Wallet	Users	Currencies	Refundable	Settlement
GCash	86M+	PHP	✅ Yes	1-3 days

South Korea 🇰🇷

Wallet	Users	Currencies	Refundable	Settlement
KakaoPay	30M+	KRW	✅ Yes	1-3 days

Japan 🇯🇵

Wallet	Users	Currencies	Refundable	Settlement
PayPay	60M+	JPY	✅ Yes	1-3 days

China 🇨🇳

Wallet	Users	Currencies	Refundable	Settlement
Alipay	1B+	CNY, Multi	✅ Yes	1-3 days
Alipay+	1.3B+	Multi	✅ Yes	1-3 days
WeChat Pay	1.3B+	CNY	✅ Yes	1-3 days

How Digital Wallets Work

Typical Flow:

Customer selects their preferred wallet at checkout
Merchant creates source and charge via Omise API
Customer is redirected to wallet authorization page
Wallet app opens (via deep link on mobile)
Customer authenticates and confirms payment
Payment is processed instantly
Customer returns to merchant site
Merchant receives webhook notification

Average completion time: 1-3 minutes

Implementation Overview

Basic Integration

Node.js
PHP
Python
Ruby

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

// Create source for wallet payment
const source = await omise.sources.create({
    type: 'grabpay',      // or truemoney, shopeepay, etc.
    amount: 50000,        // Amount in smallest currency unit
    currency: 'THB'       // THB, SGD, MYR, etc.
});

// Create charge
const charge = await omise.charges.create({
    amount: 50000,
    currency: 'THB',
    source: source.id,
    return_uri: 'https://yourdomain.com/payment/callback'
});

// Redirect customer to wallet
res.redirect(charge.authorize_uri);

<?php
// Create source
$source = OmiseSource::create(array(
    'type' => 'grabpay',
    'amount' => 50000,
    'currency' => 'THB'
));

// Create charge
$charge = OmiseCharge::create(array(
    'amount' => 50000,
    'currency' => 'THB',
    'source' => $source['id'],
    'return_uri' => 'https://yourdomain.com/payment/callback'
));

// Redirect to wallet
header('Location: ' . $charge['authorize_uri']);
?>

import omise

omise.api_secret = 'skey_test_YOUR_SECRET_KEY'

# Create source
source = omise.Source.create(
    type='grabpay',
    amount=50000,
    currency='THB'
)

# Create charge
charge = omise.Charge.create(
    amount=50000,
    currency='THB',
    source=source.id,
    return_uri='https://yourdomain.com/payment/callback'
)

# Redirect to wallet
return redirect(charge.authorize_uri)

require 'omise'

Omise.api_key = 'skey_test_YOUR_SECRET_KEY'

# Create source
source = Omise::Source.create({
  type: 'grabpay',
  amount: 50000,
  currency: 'THB'
})

# Create charge
charge = Omise::Charge.create({
  amount: 50000,
  currency: 'THB',
  source: source.id,
  return_uri: 'https://yourdomain.com/payment/callback'
})

# Redirect to wallet
redirect_to charge.authorize_uri

Handling Return and Webhooks

// Handle return from wallet
app.get('/payment/callback', async (req, res) => {
    const charge = await omise.charges.retrieve(req.query.charge_id);

    if (charge.status === 'successful') {
        res.redirect('/payment-success');
    } else {
        res.redirect('/payment-failed');
    }
});

// Handle webhook (recommended)
app.post('/webhooks/omise', (req, res) => {
    const event = req.body;

    if (event.key === 'charge.complete') {
        const charge = event.data;

        if (charge.status === 'successful') {
            // Process order
            fulfillOrder(charge.metadata.order_id);
        }
    }

    res.sendStatus(200);
});

Comparison Matrix

Feature	GrabPay	TrueMoney	ShopeePay	Touch 'n Go	Boost	DANA	GCash
Region	SG/MY/TH	TH	Multi	MY	MY	ID	PH
Users	187M+	30M+	8M+	18M+	9M+	150M+	86M+
Instant	✅	✅	✅	✅	✅	✅	✅
Mobile Only	✅	✅	✅	✅	✅	✅	✅
Refunds	Full/Partial	Full/Partial	Full/Partial	Full/Partial	Full/Partial	Full/Partial	Full/Partial
Refund Window	30 days	30 days	30 days	30 days	30 days	30 days	30 days

Choosing the Right Wallet

By Market

Thailand

Primary: TrueMoney (highest penetration)
Secondary: Rabbit LINE Pay, ShopeePay
Use case: All e-commerce, services

Singapore

Primary: GrabPay (ride-hailing users)
Secondary: ShopeePay (e-commerce)
Use case: Food delivery, transportation, shopping

Malaysia

Primary: Touch 'n Go (largest user base)
Secondary: Boost, GrabPay
Use case: Transportation, parking, retail

Indonesia

Primary: DANA (largest wallet)
Secondary: ShopeePay
Use case: E-commerce, ride-hailing, services

Philippines

Primary: GCash (dominant player)
Use case: Bills, remittances, e-commerce

Japan

Primary: PayPay (60M+ users)
Use case: Retail, restaurants, services

South Korea

Primary: KakaoPay (Kakao ecosystem)
Use case: Messaging platform integrated

By Use Case

E-commerce

TrueMoney, ShopeePay, Touch 'n Go, DANA, GCash

Food Delivery

GrabPay, ShopeePay, TrueMoney

Transportation

GrabPay, Touch 'n Go, TrueMoney

Digital Services

All wallets suitable

Tourism & Chinese Customers

Alipay, WeChat Pay, Alipay+

Common Implementation Patterns

Multi-Wallet Checkout

// Display available wallets based on currency
function getAvailableWallets(currency, country) {
    const wallets = {
        'THB': ['truemoney', 'rabbit_linepay', 'shopeepay'],
        'SGD': ['grabpay', 'shopeepay'],
        'MYR': ['touch_n_go', 'boost', 'grabpay', 'shopeepay'],
        'IDR': ['dana', 'shopeepay'],
        'PHP': ['gcash'],
        'JPY': ['paypay'],
        'KRW': ['kakaopay']
    };

    return wallets[currency] || [];
}

// Create payment with selected wallet
async function createWalletPayment(walletType, amount, currency) {
    const source = await omise.sources.create({
        type: walletType,
        amount: amount,
        currency: currency
    });

    const charge = await omise.charges.create({
        amount: amount,
        currency: currency,
        source: source.id,
        return_uri: `${baseUrl}/payment/callback`
    });

    return charge.authorize_uri;
}

Mobile Detection

// Check if user is on mobile
function isMobileDevice() {
    return /iPhone|iPad|iPod|Android/i.test(navigator.userAgent);
}

// Show wallet options based on device
if (!isMobileDevice()) {
    // Hide mobile-only wallets
    document.querySelectorAll('.mobile-wallet').forEach(el => {
        el.style.display = 'none';
    });
}

Amount Validation

// Validate amount for each wallet
const WALLET_LIMITS = {
    grabpay: {
        SGD: { min: 50, max: 50000 },
        MYR: { min: 100, max: 150000 },
        THB: { min: 2000, max: 5000000 }
    },
    truemoney: {
        THB: { min: 2000, max: 5000000 }
    },
    shopeepay: {
        THB: { min: 100, max: 5000000 },
        SGD: { min: 10, max: 100000 },
        MYR: { min: 100, max: 100000 }
    }
    // ... more wallets
};

function validateWalletAmount(walletType, amount, currency) {
    const limits = WALLET_LIMITS[walletType]?.[currency];

    if (!limits) {
        return { valid: false, error: 'Wallet not available for currency' };
    }

    if (amount < limits.min) {
        return { valid: false, error: `Minimum amount is ${limits.min}` };
    }

    if (amount > limits.max) {
        return { valid: false, error: `Maximum amount is ${limits.max}` };
    }

    return { valid: true };
}

Best Practices

1. Display Clear Instructions

Show customers what to expect:

App requirements
Step-by-step process
Estimated completion time
Alternative methods if app not installed

2. Mobile-First Design

<div class="wallet-options">
    <button class="wallet-button" data-wallet="grabpay">
        <img src="/icons/grabpay.svg" alt="GrabPay">
        <span>GrabPay</span>
        <small>Instant confirmation</small>
    </button>
    <!-- More wallet buttons -->
</div>

3. Handle Deep Links Properly

function openWalletApp(authorizeUri) {
    // Try opening wallet app
    window.location = authorizeUri;

    // Fallback if app not installed
    setTimeout(() => {
        if (!document.hidden) {
            showAppInstallPrompt();
        }
    }, 2500);
}

4. Implement Webhooks

Always use webhooks as primary notification method:

app.post('/webhooks/omise', async (req, res) => {
    const event = req.body;

    // Verify webhook signature
    if (!verifyWebhookSignature(req)) {
        return res.sendStatus(401);
    }

    if (event.key === 'charge.complete') {
        await processPayment(event.data);
    }

    res.sendStatus(200);
});

5. Show Regional Options

// Detect customer location
const country = detectCountry(); // From IP or user selection

// Show relevant wallets
const walletsByCountry = {
    'TH': ['truemoney', 'rabbit_linepay', 'shopeepay'],
    'SG': ['grabpay', 'shopeepay'],
    'MY': ['touch_n_go', 'boost', 'grabpay'],
    'ID': ['dana', 'shopeepay'],
    'PH': ['gcash']
};

displayWallets(walletsByCountry[country]);

Common Issues & Troubleshooting

Issue: App Not Installed

Solution:

function checkWalletApp(walletType) {
    const appLinks = {
        grabpay: {
            ios: 'https://apps.apple.com/app/grab/id647268330',
            android: 'https://play.google.com/store/apps/details?id=com.grabtaxi.passenger'
        },
        truemoney: {
            ios: 'https://apps.apple.com/app/truemoney-wallet/id572488921',
            android: 'https://play.google.com/store/apps/details?id=com.truemoney.wallet'
        }
        // ... more wallets
    };

    return appLinks[walletType];
}

Issue: Insufficient Balance

Solution: Show clear error and offer alternatives:

if (charge.failure_code === 'insufficient_balance') {
    showMessage('Insufficient wallet balance. Please top up or choose another payment method.');
    showAlternativePaymentMethods();
}

Issue: Payment Timeout

Solution: Set reasonable timeout and allow retry:

const TIMEOUT = 15 * 60 * 1000; // 15 minutes

setTimeout(() => {
    if (!paymentCompleted) {
        showTimeoutMessage();
        allowRetry();
    }
}, TIMEOUT);

FAQ

Which digital wallet should I support?

Support wallets based on your target market:

Thailand: TrueMoney (must-have), Rabbit LINE Pay, ShopeePay
Singapore: GrabPay, ShopeePay
Malaysia: Touch 'n Go (must-have), Boost, GrabPay
Indonesia: DANA (must-have), ShopeePay
Philippines: GCash (must-have)

For pan-regional coverage, consider: GrabPay, ShopeePay, Alipay+

Do digital wallets work on desktop?

Most digital wallets are mobile-only and require the customer to have the respective app installed. Desktop users should be offered alternative payment methods like credit cards or online banking.

Can I refund wallet payments?

Yes, all supported wallets allow both full and partial refunds, typically within 30 days of the original transaction.

How long does settlement take?

Most digital wallet payments settle within 1-3 business days. Check your Omise dashboard for specific settlement schedules.

What happens if customer doesn't complete payment?

Charges expire after a timeout period (typically 15 minutes). You can allow customers to retry with a new charge. Always implement proper timeout handling and show clear instructions.

Do I need separate integrations for each wallet?

No, all digital wallets follow the same integration pattern (source + charge + redirect). Only the type parameter changes. You can implement one flow that works for all wallets.

Can I save wallet information for recurring payments?

No, digital wallets don't support tokenization for recurring payments. Customers must authorize each payment. For recurring billing, use credit cards or direct debit methods.

Payment Methods Overview - All available methods
Selection Guide - Choose the right method
QR Payments - Alternative mobile payments
Accept Payments Guide - Implementation patterns
Webhooks - Handle payment notifications
Testing - Test wallet payments

Next Steps

Choose wallets - Select based on your target market
Implement integration - Follow individual wallet guides
Test thoroughly - Test on actual mobile devices
Set up webhooks - Ensure reliable payment notifications
Go live - Enable for production

Ready to start? Choose your wallet:

GrabPay - Southeast Asia's super app
TrueMoney - Thailand's #1 wallet
Touch 'n Go - Malaysia's largest wallet
DANA - Indonesia's leading wallet
GCash - Philippines' top wallet

Overview​

Supported Digital Wallets​

Thailand 🇹🇭​

Singapore 🇸🇬​

Malaysia 🇲🇾​

Indonesia 🇮🇩​

Philippines 🇵🇭​

South Korea 🇰🇷​

Japan 🇯🇵​

China 🇨🇳​

How Digital Wallets Work​

Implementation Overview​

Basic Integration​

Handling Return and Webhooks​

Comparison Matrix​

Choosing the Right Wallet​

By Market​

By Use Case​

Common Implementation Patterns​

Multi-Wallet Checkout​

Mobile Detection​

Amount Validation​

Best Practices​

1. Display Clear Instructions​

2. Mobile-First Design​

3. Handle Deep Links Properly​

4. Implement Webhooks​

5. Show Regional Options​

Common Issues & Troubleshooting​

Issue: App Not Installed​

Issue: Insufficient Balance​

Issue: Payment Timeout​

FAQ​

Related Resources​

Next Steps​