Cambodia's payment landscape has evolved rapidly, with Bakong's national infrastructure enabling a new generation of interoperable payment solutions. This guide compares the major payment gateway providers available to businesses operating in Cambodia, covering fees, features, and best use cases.
Cambodia's payment gateway market is shaped by two distinct layers: the national infrastructure layer (Bakong/KHQR, operated by the NBC) and the commercial service layer (banks and fintech companies building payment products on top of it).
According to the National Bank of Cambodia's 2025 Annual Report, Bakong processed 1.325 billion transactions in 2025, with a total USD transaction value of $152.8 billion. This national backbone has dramatically reduced the cost and complexity of digital payments for merchants and consumers alike.
For businesses, the choice of payment gateway depends on several factors: whether you serve domestic or international customers, whether you need e-commerce integration or physical POS terminals, and whether you require KHR or USD settlement.
Government-backed; 63 member institutions; KHQR standard
Offered by ABA Bank; supports cards, ABA Pay, KHQR
Mobile-first; popular in Phnom Penh retail and F&B
Extensive agent network; strong app user growth 2024–2025
Part of Ascend Money (Charoen Pokphand Group); wide agent network
Focused on merchant solutions and digital financial services
Offered by Canadia Bank; supports KHQR and card payments
Not locally licensed; used by international-facing Cambodian businesses
* Fee information is indicative. Contact providers directly for current pricing. Last updated June 2026.
All payment service providers operating in Cambodia must be licensed by the National Bank of Cambodia under the Law on Negotiable Instruments and Payment Transactions.
Cambodia's dual-currency economy means most gateways must support both KHR and USD. Bakong and KHQR handle both natively.
Bakong-connected gateways settle in real-time. Card-based gateways typically settle in 1–3 business days.
Most local gateways offer REST APIs and SDKs. ABA PayWay has developer documentation for e-commerce integration; check individual providers for latest SDK availability.
All payment service providers operating in Cambodia must be licensed by the National Bank of Cambodia under the Law on Negotiable Instruments and Payment Transactions and relevant PRAKAS (sub-decrees). International gateways like Stripe are not locally licensed and may not be suitable for businesses requiring KHR settlement or local compliance. Consult the Cambodia Fintech Regulation Guide for more details.