Whether you run a restaurant in Phnom Penh, an e-commerce store, or a hotel serving international tourists, accepting digital payments in Cambodia in 2026 is straightforward and affordable.
The Foundation: KHQR (Free for All Merchants)
KHQR is Cambodia's national QR code standard, managed by the NBC. Setting up a KHQR code is free and takes minutes through any NBC-licensed bank or payment provider. Benefits:
- Zero setup cost for static QR
- Interoperable — any Cambodian payment app can scan it
- Cross-border — tourists from Singapore, Thailand, Vietnam, Japan, South Korea, and China (Weixin Pay, in progress) can pay
- Instant settlement via Bakong
Payment Gateways for Online Businesses
Bongloy — Cambodia's Leading Online Gateway
- VISA, Mastercard processing
- Developer-friendly REST API
- Hosted payment page
- Merchant dashboard
- NBC licensed
ABA PayWay
- VISA, Mastercard, UnionPay
- KHQR integration
- Trusted by thousands of Cambodian businesses
- Strong brand recognition
International Tourist Payments
With Cambodia's tourism sector recovering strongly, accepting international payments is increasingly important:
| Method | Coverage |
|---|---|
| Alipay+ via KHQR | Chinese tourists |
| UnionPay via KHQR | Chinese tourists (Phase 2, 2026) |
| Weixin Pay via KHQR | Chinese tourists (MoU 2025, integration in progress) |
| Bakong Tourists App | Mastercard/Visa/Alipay+ tourists |
| Singapore PayNow via KHQR | Singapore tourists (Phase 2, Mar 2026) |
Fees Overview (May 2026)
| Method | Setup | Transaction Fee |
|---|---|---|
| KHQR Static | Free | 0% |
| KHQR Dynamic | Free | ~0.5–1% |
| Bongloy (VISA/MC) | Free | ~2.5–3.5% |
| ABA PayWay (VISA/MC) | Free | ~2–3% |
| Bank wire | Free | $10–30 flat |
Compliance Requirements
All payment service providers in Cambodia must hold a PSP license from the NBC. Businesses using third-party gateways are covered by their provider's license. Key regulations:
- AML/KYC requirements for merchants
- Data protection obligations
- NBC reporting requirements for large transactions
Choosing the Right Solution
| Business Type | Recommended Solution |
|---|---|
| Physical retail | KHQR (free) |
| Restaurant/café | KHQR + Wing Bank/ABA merchant account |
| E-commerce | Bongloy or ABA PayWay |
| Hotel/tourism | KHQR + Bakong Tourists App |
| International B2B | ABA Bank + J.P. Morgan Xpedite |
Last updated: May 30, 2026. Fintech Cambodia is an independent directory.