Cambodia
Best Payment Gateways in Cambodia for Online Payment, E-Commerce, and Secure Digital Transactions
Population
Online Population
Banked Population
Best Payment Solutions and Providers in Cambodia for E-Commerce & Mobile Payment
Experts have also systematized the data so you can choose a widely used payment gateway in Cambodia without wasting time searching for information, including options that support cashless payment and major credit and debit cards.
Cambodia today is a real find for those who want to invest or start their own business in marketing and e-commerce. Among the most interesting facts:
- Cambodia’s e-commerce revenue is projected to reach approximately USD 1.78 billion by 2027, driven by increased mobile usage, the adoption of online payment gateways in Cambodia, and the growth of payment technology in Southeast Asia.
- Fashion and apparel remain the most popular items purchased online, with the majority of users spending between USD 11 and USD 50 per month on online stores and widely accepted e-commerce platforms.
- Cash on delivery is still common due to trust issues with credit card payment and payments online, but online payment solutions are gaining popularity thanks to their convenience and ability to connect with numerous banks.
- Mobile devices generate around 70% of e-commerce website traffic, emphasizing the importance of mobile app support and payment integration for businesses.
- Popular platforms include Food Panda for food delivery, Facebook for fashion and cosmetics, and PassApp for ride-hailing.
These indicators show the strong prospects of Cambodia’s market. With a strong presence in Cambodia’s banking sector, including ACLEDA and Cambodian Public Bank, as well as payment solutions providers offering a payment gateway system that supports merchant payment services, businesses can expand their reach not only locally but also to markets abroad. Without a reliable payment gateway in Cambodia, all this growth would be impossible — every business must provide the right online payment experience to succeed.
What Role Do Payment Gateways in Cambodia Play for Online Businesses?
Payment solutions are an essential tool for companies operating in Cambodia. Among the key tasks performed by modern payment gateway-based systems are:
- Processing — fast and secure transactions between buyers and sellers through various methods (cards, e-wallets, cryptocurrency, etc.), widely accepted among e-commerce platforms.
- Encryption and data protection — safeguarding sensitive user data (card number, personal information) by encrypting it during the transfer between customer and merchant.
- Transaction authentication — verifying payer data and adding extra security layers, such as two-factor authentication, to prevent fraud.
- Integration with banks in Cambodia — connecting with local financial institutions as well as global payment providers to approve or reject transactions in real time.
- Currency conversion — enabling payments in multiple currencies during international transactions, helping businesses expand their reach to markets abroad.
These features are only part of the range of services a professional payment gateway offers. For companies in Cambodia, the right choice of online gateway can be the key competitive advantage, ensuring customer comfort and supporting growth in an increasingly competitive market.
Which Payment Gateway in Cambodia Is the Best for E-Commerce and Cashless Transactions?
If you’re still reading, you’re clearly interested in finding the best payment gateway that will fully meet your requirements. There are many payment gateway-based solutions in Cambodia, but the following ones are particularly noteworthy for handling online purchases and offering various payment services that can help you expand your business to markets abroad.
Paykassma
Paykassma
A-Pay
A-Pay
Wing Bank
Wing Bank
Paykassma Payment Gateway in Cambodia
Paykassma has been a leading payment gateway-based processing solution since 2019, serving India, Bangladesh, Indonesia, Vietnam, Thailand, South Africa, Brazil, and many other countries. Specializing in high-risk payments, Paykassma offers reliable and secure solutions that gateway supports a growing number of industries with elevated financial risks, as well as various payment services compatible with Shopify and major card brands such as Mastercard.
| Characteristic | Value |
|---|---|
| Requirements | Registered in Cambodia, comply with all local requirements |
| Accepted Methods | Bank transfers, BTC/USDT, Wing transfers |
| Available Countries | Cambodia |
| Supported Currencies | KHR, USD, and some international |
| RequirementsRegistered in Cambodia, comply with all local requirements | |
| Accepted MethodsBank transfers, BTC/USDT, Wing transfers | |
| Available CountriesCambodia | |
| Supported CurrenciesKHR, USD, and some international |
Pros of Paykassma Payment Service
- Conversion growth: +20%
- Turnover increase: x100 in a week
- 99.9%+ successful transactions
- No rolling reserves
- No holds
- Settlement period: T+0
- 24/7/365 support
Cons of Paykassma Payment Service
- Restricted to certain payment methods
- Internet connection required for online transactions
iPay88 Payment Gateway in Cambodia
iPay88, launched in Cambodia in 2016, is a modern payment gateway-based solution that integrates with various local banks and popular pay services. If you need something both versatile and convenient, this is the right choice — all your business has to do is implement it, and you can offer customers maximum comfort.
| Characteristic | Value |
|---|---|
| Setup Fee | $300 |
| Requirements | Registered business (or in-process registration); stricter requirements for NGOs |
| Accepted Methods | Visa, Mastercard, UnionPay, JCB, Alipay, WeChat Pay, Southeast Asian e-wallets |
| Available Countries | Cambodia, Malaysia, SEA |
| Supported Currencies | KHR, USD, and some international |
| Setup Fee$300 | |
| RequirementsRegistered business (or in-process registration); stricter requirements for NGOs | |
| Accepted MethodsVisa, Mastercard, UnionPay, JCB, Alipay, WeChat Pay, Southeast Asian e-wallets | |
| Available CountriesCambodia, Malaysia, SEA | |
| Supported CurrenciesKHR, USD, and some international |
Pros of iPay88 for Online Payment
- Great versatility for businesses of various sizes
- Can be integrated very quickly
- Works in all niches of the region
Cons of iPay88 for Online Payment
- Limited track record compared to established competitors
- Potential learning curve for new users
Wing Bank Payment Solutions in Cambodia
Wing is Cambodia's premier mobile banking service, it was launched back in 2009. The idea of the gateway is simple and clear: mobile comfort for anyone who is willing to spend money. The main feature of this solution is that it works with international solution, which is very advantageous for Cambodia.
| Characteristic | Value |
|---|---|
| Requirements | Registered business in Cambodia |
| Accepted Methods | QR code (KHQR), cashless via Wing App, Wing agents |
| Countries Available | Primarily Cambodia, limited international transfers |
| Supported Currencies | Supported Currencies KHR, USD |
| RequirementsRegistered business in Cambodia | |
| Accepted MethodsQR code (KHQR), cashless via Wing App, Wing agents | |
| Countries AvailablePrimarily Cambodia, limited international transfers | |
| Supported CurrenciesSupported Currencies KHR, USD |
Pros of Wing Bank Payment Service
- The service is available to all entrepreneurs and supports international solution
- Diverse services for financial needs
Cons of Wing Bank Payment Service
- Not suited for those preferring traditional banking
- Requires internet access for online transactions
PayWay Payment Gateway by ABA Bank
PayWay, by ABA Bank, is a secure online service that allows merchants to accept payments through Visa and MasterCard. In this solution, the main advantage is, of course, the convenience of integration. Thanks to this, you can add the solution to the system very quickly. Your clients will not have to wait long for quality service.
| Characteristic | Value |
|---|---|
| Requirements | Business registration required |
| Accepted Methods | Visa, Mastercard, local mobile |
| Available Countries | Cambodia |
| Supported Currencies | KHR, USD |
| RequirementsBusiness registration required | |
| Accepted MethodsVisa, Mastercard, local mobile | |
| Available CountriesCambodia | |
| Supported CurrenciesKHR, USD |
Pros of PayWay for E-Commerce Payment
- Backed by a trusted bank
- Simple setup process
Cons of PayWay for E-Commerce Payment
- May require an ABA Bank account for full functionality
- Limited to specific pay methods
ACLEDA Bank Payment Services in Cambodia
Acleda Bank offers a reliable payment gateway built on the MasterCard Internet Gateway Service (MIGS), allowing easy integration with e-commerce platforms. Its strong reputation ensures secure transactions for online merchants.
| Characteristic | Value |
|---|---|
| Requirements | Business registration documents, identification of owner or company manager |
| Accepted Methods | Visa, Mastercard (via MiGS) |
| Available Countries | Cambodia |
| Supported Currencies | Cambodian Riels, USD |
| RequirementsBusiness registration documents, identification of owner or company manager | |
| Accepted MethodsVisa, Mastercard (via MiGS) | |
| Available CountriesCambodia | |
| Supported CurrenciesCambodian Riels, USD |
Pros of ACLEDA Bank Payment Gateway
- Easy to use
- Trust and security associated with a large bank
Cons of ACLEDA Bank Payment Gateway
- Limited to MIGS functionalities
- Limited to MIGS functionalities. Regulatory navigation may be required
Cathay United Bank Payment Options in Cambodia
Cathay United Bank, the first to offer an internet payment gateway in Cambodia, uses MIGS for compatibility with various e-commerce platforms. The cool thing here is that the service supports Visa and MasterCard. This is a must-have option if your target audience consists of tourists or clients from abroad.
| Characteristic | Value |
|---|---|
| Setup Fee | 4.2% per transaction |
| Requirements | Merchant account, local registration, business documents |
| Accepted Methods | Visa, Mastercard, JCB |
| Countries Supported | Cambodia |
| Supported Currencies | KHR, USD |
| Setup Fee4.2% per transaction | |
| RequirementsMerchant account, local registration, business documents | |
| Accepted MethodsVisa, Mastercard, JCB | |
| Countries SupportedCambodia | |
| Supported CurrenciesKHR, USD |
Pros of Cathay United Bank Payment Systems
- Established reputation
- Easy integration with e-commerce
Cons of Cathay United Bank Payment Systems
- High transaction fees
- Potential lag in service features compared to competitors
Pi Pay Mobile Payment Gateway in Cambodia
Pi Pay combines pay services with social features, offering a user-friendly app that promotes cashless transactions. Thanks to a simple and user-friendly app, this solution works great and increases profit. The client is willing to pay for comfort, and Pi Pay can offer it.
| Characteristic | Value |
|---|---|
| Requirements | Sign up via merchant assessment form; Pi Pay team will assist in the setup process |
| Accepted methods | Mobile wallet payments via Pi Pay. |
| Countries Available | Cambodia |
| Supported Currencies | Pi Network cryptocurrency, Cambodian Riel (KHR), US Dollar (USD) |
| RequirementsSign up via merchant assessment form; Pi Pay team will assist in the setup process | |
| Accepted methodsMobile wallet payments via Pi Pay. | |
| Countries AvailableCambodia | |
| Supported CurrenciesPi Network cryptocurrency, Cambodian Riel (KHR), US Dollar (USD) |
Pros of Pi Pay for Cashless Transactions
- Supports cashless transactions
- Comprehensive business and social solution
Cons of Pi Pay for Cashless Transactions
- Less recognition among older users
- Limited accessibility without a smartphone
GetLoy Payment Solutions in Cambodia
GetLoy is a great integration platform that simplifies connecting various business services. This solution also has a cool plugin for WooCommerce, which is great for those who have a retail business. If you need to sell conveniently in Cambodia, then this is the perfect solution.
| Characteristic | Value |
|---|---|
| Requirements | Local business registration, ABA bank account |
| Accepted Methods | Credit cards, Pi Pay, Wing, donation buttons |
| Available Countries | Cambodia |
| Supported Currencies | KHR, USD, and others |
| RequirementsLocal business registration, ABA bank account | |
| Accepted MethodsCredit cards, Pi Pay, Wing, donation buttons | |
| Available CountriesCambodia | |
| Supported CurrenciesKHR, USD, and others |
Pros of GetLoy Payment Service
- User-friendly for non-technical users
- Versatile compatibility
Cons of GetLoy Payment Service
- Does not process payments directly
- May require multiple accounts for different services
PayGo Payment Gateway in Cambodia
PayGo offers a convenient platform for Cambodians to pay bills and access services. Despite the presence of fees, the service is still popular because it has earned respect and trust among businesses. If you are looking for a reliable solution, it is right in front of you.
| Characteristic | Value |
|---|---|
| Requirements | Account setup with ID verification |
| Accepted Methods | Visa, MasterCard, Mobile Wallet, PayGo Wallet |
| Countries Available | Cambodia |
| Supported Currencies | KHR, USD |
| RequirementsAccount setup with ID verification | |
| Accepted MethodsVisa, MasterCard, Mobile Wallet, PayGo Wallet | |
| Countries AvailableCambodia | |
| Supported CurrenciesKHR, USD |
Pros of PayGo for E-Commerce Payment
- Convenient online transactions
- Attractive commission structure
Cons of PayGo for E-Commerce Payment
- Potential commission fees
- Requires familiarization with the platform
BongLoy Mobile Payment in Cambodia
BongLoy is an API-based solution that connects merchants with local and international payment providers, enabling secure online transactions. To add this solution to your business, you don't need to look for a specialist; it's very simple, and the company will guide you on how to do what you need quickly.
| Characteristic | Value |
|---|---|
| Requirements | API integration, PCI DSS compliance, business based in country |
| Accepted Methods | UnionPay Prepaid Cards, Visa, MasterCard, local country payment methods |
| Countries Available | Primarily country, with international payment support |
| Supported Currencies | Cambodian Riel (KHR), US Dollar (USD), and other international currencies |
| RequirementsAPI integration, PCI DSS compliance, business based in country | |
| Accepted MethodsUnionPay Prepaid Cards, Visa, MasterCard, local country payment methods | |
| Countries AvailablePrimarily country, with international payment support | |
| Supported CurrenciesCambodian Riel (KHR), US Dollar (USD), and other international currencies |
Pros of BongLoy Payment System
- Adaptable integration
- Secure transaction environment
Cons of BongLoy Payment System
- Technical knowledge may be required for API integration
- Reliant on local and international provider availability
Xoom.com International Payment Service in Cambodia
Xoom, a PayPal service, allows fast money transfers to Cambodia for cash pickup at major banks. Thanks to its integration with PayPal, this gateway is very popular. If you need a solution for the domestic market and sales abroad, then this is the one.
| Characteristic | Value |
|---|---|
| Requirements | Government-issued ID, recent bank statement for larger transfers |
| Accepted Methods | Bank accounts, Credit/Debit cards (Visa, MasterCard), PayPal balance |
| Countries Available | Over 150 countries, including US, Canada, UK, and many more worldwide |
| Supported Currencies | USD, EUR, GBP, INR, and many more depending on destination |
| RequirementsGovernment-issued ID, recent bank statement for larger transfers | |
| Accepted MethodsBank accounts, Credit/Debit cards (Visa, MasterCard), PayPal balance | |
| Countries AvailableOver 150 countries, including US, Canada, UK, and many more worldwide | |
| Supported CurrenciesUSD, EUR, GBP, INR, and many more depending on destination |
Pros of Xoom.com Payment Gateway
- Fast transactions with trusted service
- User-friendly interface
Cons of Xoom.com Payment Gateway
- Fees may apply based on transactions
- Limited options for some transfers
Skrill Digital Payment Service in Cambodia
Skrill provides a quick and secure way to transfer money and access eWallet funds through a prepaid MasterCard. It supports SWIFT transfers to Cambodian bank accounts.
| Characteristic | Value |
|---|---|
| Requirements | Incorporation certificate, proof of address, and ID for owners |
| Accepted Methods | Credit/Debit cards (Visa, MasterCard, Maestro), bank transfers, 100+ local payment method, Rapid Transfer |
| Available in Countries | Available globally with some restrictions, including no new merchants from the USA |
| Supported Currencies | Over 40 currencies were supported |
| RequirementsIncorporation certificate, proof of address, and ID for owners | |
| Accepted MethodsCredit/Debit cards (Visa, MasterCard, Maestro), bank transfers, 100+ local payment method, Rapid Transfer | |
| Available in CountriesAvailable globally with some restrictions, including no new merchants from the USA | |
| Supported CurrenciesOver 40 currencies were supported |
Pros of Skrill for Online Payment
- Cost-effective for online transactions
- Flexible options for eCommerce
Cons of Skrill for Online Payment
- Currency conversion fees may apply
- Varying fees and limits based on account types
FAQ
Why Is It Important to Choose the Right Payment Gateway in Cambodia?
The main reason is the impact of the payment gateway Cambodia and its capabilities on your business. The more options a payment gateway offers, the more customer satisfaction and thus your profits grow.
Which Is the Best Payment Gateway in Cambodia for Your Business?
Experts have told us about the best payment gateways, each of which has advantages and disadvantages. Evaluate the offered opportunities and choose the solution that is ideal for your business needs.
Will Setting Up a Payment Gateway in Cambodia Pay Off for E-Commerce?
Definitely yes! By adding a payment gateway to your business, you open up the opportunity for it to conveniently accept payments on the website or through terminals. The comfort you provide to your customers will definitely be appreciated.
