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Pay bills online with QR code payments

Pay your electricity, water, internet and phone bills abroad by scanning a QR code. Moreta Pay lets travelers, expats and digital nomads pay bills in the local currency without a local bank account, cash or your card from home.

Bill payments in blue line art: a phone listing electricity, water and rent as paid beside three ticked bills, with a house behind

How online bill pay works with Moreta Pay

Moreta Pay connects you to the local payment networks residents use in Thailand, Cambodia, Mongolia, the Philippines and other countries, so you can pay a utility provider's QR code the way they do.

Simplify your monthly bill payments while traveling

Utility providers take many payment methods, but most of them, QR codes included, need a local bank account. Moreta Pay gives you access to the local networks without one.

In countries like Thailand, bill pay by QR code often goes through a platform like Lazada. Enter your utility account number and the amount in the Lazada app, and it generates a QR code. Save that code, open it in Moreta Pay and pay.

Types of bills you can pay with Moreta Pay

If you rent a home or an apartment, you pay for electricity and water. You'll also want internet and a phone plan. You can pay all of them by QR code from your phone.

Each payment converts at the live exchange rate at the moment you pay, with one 1.5% fee shown in your own currency before you confirm.

  • Electricity

    Pay your electricity provider with the QR code on the bill, or one generated on a local bill-pay platform.

  • Water

    Pay the water bill for your apartment or condo by scanning the provider's QR code, the way residents do.

  • Internet

    Keep home internet paid while you work remotely. Scan the provider's QR code and pay.

  • Mobile phone (AIS)

    Top up or pay your AIS plan and Wi-Fi hotspot without a Thai bank account, cash or card fees.

Why Moreta Pay is a smarter way to pay for expenses

The same app pays for shopping, groceries and utilities in 14 countries, including Thailand, the Philippines, Vietnam, Cambodia, Laos and Mongolia. There is nothing new to set up when you cross a border.

Your card from home

  • Your bank's foreign transaction fee
  • A marked-up rate
  • You find out on your statement

Moreta Pay

  • One 1.5% fee
  • The live exchange rate
  • Both shown before you confirm

How it works

The same four steps as paying a shop: add money, scan the bill's QR code, check the provider and amount, and confirm.

  1. 01

    Add payment method

    Link a bank account, bank transfer or card. Your details are protected at every step.

  2. 02

    Add money

    Top up your balance instantly, so it is ready to spend the moment you land.

    Payment methods

    Every way to top up, with live fees.

    Bank transfers

    • Bank account1-3 business daysUSD1 USD feeFree over 250 USD
    • SEPA transferUsually instantEUR1.50 USD feeFree over 225 EUR
    • Faster Payments transferUsually instantGBP1.50 USD feeFree over 200 GBP
    • Interac e-TransferInstantCAD1.5% + 1 USD fee
    • PayIDInstantAUD1.5% + 1 USD fee

    Instant methods

    • Apple PayInstant2.5% fee
    • Google PayInstant2.5% fee
    • CardInstant2.5% fee
    • CryptoInstantFree

    Money added with crypto can't be spent in Thailand, Cambodia, or China.

    Your first deposit is on us. Availability depends on your country, the payment method and the app version.

  3. 03

    Scan the QR code

    Scan the merchant's QR code, or show your own where that's how locals pay.

    Supported payment networks

    Scan any merchant QR on these networks and Moreta pays it locally.

    Asia

    • Vietnam flag

      Vietnam

      VietQRMoMoZaloPay
    • Thailand flag

      Thailand

      Thai QRPromptPay
    • Cambodia flag

      Cambodia

      KHQR
    • Philippines flag

      Philippines

      QR PhInstaPay
    • Laos flag

      Laos

      OnePay
    • Malaysia flag

      Malaysia

      DuitNow
    • South Korea flag

      South Korea

      SeoulPay
    • Mongolia flag

      Mongolia

      QPay
    • China flag

      China

      WeChat Pay

    Latin America

    • Brazil flag

      Brazil

      Pix
    • Argentina flag

      Argentina

      Mercado PagoUalรกMODOCuenta DNIBNA+
    • Peru flag

      Peru

      YapePlin
    • Bolivia flag

      Bolivia

      Banco Central de BoliviaSimple
    • Colombia flag

      Colombia

      DaviPlataBre-BNequi
  4. 04

    Review and confirm

    Check the amount, FX rate and merchant name, then slide to pay. Done in seconds.

Frequently asked questions.

What people ask before using Moreta for bill payments.

Showing 7 of 7 questions

Payment methods

Every way to top up, with live fees.

Bank transfers

  • Bank account1-3 business daysUSD1 USD feeFree over 250 USD
  • SEPA transferUsually instantEUR1.50 USD feeFree over 225 EUR
  • Faster Payments transferUsually instantGBP1.50 USD feeFree over 200 GBP
  • Interac e-TransferInstantCAD1.5% + 1 USD fee
  • PayIDInstantAUD1.5% + 1 USD fee

Instant methods

  • Apple PayInstant2.5% fee
  • Google PayInstant2.5% fee
  • CardInstant2.5% fee
  • CryptoInstantFree

Money added with crypto can't be spent in Thailand, Cambodia, or China.

Your first deposit is on us. Availability depends on your country, the payment method and the app version.

Try online bill pay with Moreta Pay

Electricity, water, internet and your phone plan, paid the way residents pay. Download Moreta Pay, add money from home and scan your next bill.