Thailand · National QR standard
Works with Moreta Pay
Pay Thai QR codes without a Thai bank
Yes. Moreta Pay lets visitors pay Thai QR codes in Thailand without a Thai bank account. Add money from the bank or card you already have, scan the Thai QR code at the counter and slide to pay in Thai baht. The merchant is paid the same way as when a local scans it.
The network
What is Thai QR?
Thai QR Payment, often written ThaiQR, is Thailand’s common QR code standard, set by the Bank of Thailand with the country’s banks and payment providers. Thais scan a shop’s Thai QR code with any Thai bank or e-wallet app, and the money moves over PromptPay in seconds.
- Country
Thailand- Currency
- Thai baht (THB)
- Type
- National QR standard
- Run by
- Bank of Thailand
- How locals pay
- They scan the code with their own bank or wallet app
- With Moreta
- Pay it from your Moreta balance
How to spot it
A QR code on a sticker or stand at the till with the Thai QR Payment mark, often beside the blue PromptPay logo.
Can tourists pay Thai QR?
Thai QR is paid from a Thai bank or wallet app, so a code on the counter needs an account opened in Thailand. A card from home can’t pay the code on the counter, and opening a local account takes paperwork a visit rarely leaves time for.
Moreta closes that gap. It pays the Thai QR code itself, from a balance you top up with your own bank, card, Apple Pay or Google Pay, and converts at the live rate at the moment you pay. One flat fee, shown before you slide to pay.
Card or cash
- A foreign transaction fee on most cards
- Your bank's rate, or the terminal's worse one
- ATM fees from your bank and the operator
- Leftover Thai baht to change back
Moreta
- One flat fee, shown before you slide to pay
- The live rate at the moment you pay
- No ATM and no card to hand over
- What you do not spend stays for the next country
How to pay a Thai QR code
Set Moreta up once, at home or on the plane. After that, paying a Thai QR code in Thailand is a scan and a slide.
01Verify your identity
Download Moreta, scan your passport and take a selfie. Verification usually takes a few minutes, and your account can move money as soon as it passes.
- 02
Load funds to your Moreta Pay wallet
Link a US bank through Plaid, or send a SEPA, Faster Payments, Interac or PayID transfer. Cards, Apple Pay and Google Pay work too. Money added with crypto can't be spent in Thailand.
- 03
Scan QR codes at local shops & restaurants
Tap Scan and point your camera at the Thai QR code on the counter. Moreta reads it the way a Thai bank app would.
- 04
Get seamless payments on the go
Check the amount in Thai baht, what it costs in your own currency and the fee, then slide to pay. The merchant sees the payment in their own app the moment it clears.
USD
EUR
GBP
CAD
AUD
Costs, limits and tips
Paying in Thailand
- Business QR fee
- 1.5%per payment, at the live rateEvery fee
- Exchange rate today
- 33.48THBfor 1 USDLive rate, updated recentlyCompare rates
- Max payment
- 100,000THBabout 2,990 USD
- Weekly limit
- 200,000THBabout 5,970 USD
The app always shows the live rate and the exact cost before you pay.
Guide updated
Before you go
- Thailand is currently only available for Canadian and US nationals.
- Moreta Pay only supports ThaiQR / PromptPay business QR codes in Thailand. Personal QR codes are not currently supported.
- Bank maintenance occurs from 11 PM – 3 AM. Some payments may be affected.Learn more
- Money added with crypto (USDC or USDT) can't be spent in Thailand. Add money by bank transfer, card, Apple Pay or Google Pay for payments here.
Local tips
- Look for the blue PromptPay logo or the Thai QR mark: if a stall shows one, Moreta can pay it.
- Keep a few hundred baht in small notes for songthaews and the odd market stall that only takes cash.
- Pick up an eSIM or an airport SIM: the app needs data at the moment you scan.
Thai QR questions
What visitors ask before paying Thai QR in Thailand.
Showing 6 of 10 questions
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Activate your Moreta Pay account before your trip
Set up Moreta, add money and land in Thailand ready to scan. No cash to change, no card to worry about, and one flat fee at the live rate on every payment.
Also works in 
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the Philippines, 
Laos, 
Malaysia, and 10 more countries