How international travelers, nomads & expats can pay with QR codes in Thailand
From a boat noodle stall in Bangkok to a dive shop in Koh Tao, the blue PromptPay sign is on almost every counter in Thailand. Moreta Pay scans it for you, funded from the bank or card you already have at home, so you spend baht like a local from the moment you land.
Thai QR
PromptPay
Costs, limits and tips
Paying in Thailand
Guide updated
What it costs
- Business QR fee
- 1.5%
- Exchange rate today
- 1 USD = 33.33 THBLive rate, updated recently
Limits
- Max payment
- 100,000 THB
- Weekly limit
- 200,000 THB
The app always shows the live rate and the exact cost before you pay.
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.
Why QR code is the best way to pay in Thailand
QR codes are how people pay in Thailand: hold up a phone, scan the code on the counter, done. Thais pay by scanning a PromptPay or Thai QR code with their bank app, and the merchant sees the money arrive on their phone before you have put yours away. Night markets, taxis, massage shops and temple donation boxes all show a code. Many small places prefer it to cash and never bought a card machine.
Moreta gives you the same thing as a visitor. A scan is contactless, so there is no card to hand over and no cash to carry, and each payment costs one flat fee at the live rate instead of a foreign transaction fee and a marked-up rate from your bank at home.
The problem with paying abroad as a tourist, expat or nomad
Paying abroad with the card in your wallet is easy until it is not. Your bank may block the first charge as suspicious. When it goes through, most cards add a foreign transaction fee and convert at a rate of their choosing, and some terminals offer to charge you in your own currency at a worse one.
Cash is no better. ATMs stack your bank's withdrawal fee, the operator's fee and a poor rate, and you still end up carrying more Thai baht than you need and changing the rest back at the airport. Paying by QR from a wallet you fund yourself skips all of it: one fee, the live rate and no plastic.
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 Moreta Pay works
Moreta is a wallet on your phone that pays Thai QR and PromptPay codes as if a local had scanned them. Set it up once, at home or on the plane, and it is ready before you land in Thailand.
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 and PromptPay 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
Why Moreta Pay is better than alternatives
No local bank account required
Pay from the bank or card you already have. Nothing to open, nothing to close when you leave.
Seamless integration with PromptPay & Thai QR
PromptPay is Thailand's real-time payment system and Thai QR is the code standard built on it, so one scan reaches the merchant's account whichever bank they use. Moreta pays those codes exactly as a Thai bank app would.
Designed for international travelers, expats & nomads
A two-week trip or a year abroad, it works the same, and what you do not spend stays for the next country.
Several accepted payment types
Top up by bank transfer in US dollars, euros, pounds, Canadian or Australian dollars, or with a card, Apple Pay or Google Pay. Crypto deposits can't be spent in Thailand.
Lower fees compared to cash or card alternatives
One flat fee per payment, shown before you confirm. No ATM fees, and most banks add no foreign transaction fee.
Instant, contactless QR payments
Scan, check, slide. Nothing to hand over, and the merchant is paid in seconds.
Real exchange rates
Every payment converts to Thai baht at the live rate at the moment you pay.
See today's rate
Frequently asked questions
What travellers ask before paying by QR in Thailand.
Showing 6 of 9 questions
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More ways to pay
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 
Vietnam, 
Cambodia, 
the Philippines, 
Laos, 
Malaysia, and 8 more countries