Accepting digital payments in Cambodia has never been easier — or more important. With 1.325 billion Bakong transactions in 2025 and e-commerce growing rapidly, businesses that don't accept digital payments are leaving money on the table.
The Cambodia Payments Landscape (2026)
Cambodia's payment ecosystem is built around three pillars:
- KHQR — The national QR code standard (NBC). Every licensed payment provider supports it. Free for merchants to set up.
- Bakong — The interbank settlement infrastructure. 63 member institutions as of 2026.
- International Cards — VISA, Mastercard, UnionPay, Alipay+, Weixin Pay for tourists and online businesses.
Payment Gateways for Online Businesses
Bongloy
Cambodia's leading payment gateway for online businesses. Supports VISA, Mastercard, and local payment methods via a developer-friendly REST API. Ideal for e-commerce, SaaS, and digital services.
- REST API + hosted payment page
- VISA/Mastercard processing
- Merchant dashboard
- NBC licensed
ABA PayWay
ABA Bank's payment gateway for online merchants. Widely trusted due to ABA's position as Cambodia's Bank of the Year 2025.
- VISA/Mastercard/UnionPay
- KHQR integration
- Strong brand trust
KHQR for Physical Merchants
Setting up KHQR is free and takes minutes. Any NBC-licensed bank or payment provider can issue a KHQR code. Benefits:
- Zero setup cost for static QR
- Interoperable — customers pay with any app
- Cross-border — Singapore, Thailand, Vietnam, Japan, South Korea, China (Weixin Pay) customers can pay
- Real-time settlement via Bakong
International Payments
For businesses serving tourists or international customers:
- Alipay+ — Integrated with KHQR (NBC partnership)
- UnionPay — Phase 2 launched with NBC
- Weixin Pay — TenPay Global MoU with NBC (2025), integration in progress
- Visa/Mastercard — Via Bakong Tourists App and major banks
Fees Overview (2026)
| Method | Setup | Transaction Fee |
|---|---|---|
| KHQR Static | Free | 0% |
| KHQR Dynamic | Free | ~0.5–1% |
| Bongloy (cards) | Free | ~2.5–3.5% |
| ABA PayWay | Free | ~2–3% |
Regulatory Requirements
All payment service providers in Cambodia must hold a Payment Service Provider (PSP) license from the NBC. Businesses using third-party gateways are covered by their provider's license.
Last updated: May 30, 2026. Fintech Cambodia is an independent directory.