Comparison · Updated October 11, 2026
Omise vs 2C2P for Thai businesses
Omise
B-
Omise is an online payment company founded in Bangkok in 2013 that takes card, QR, bank and e-wallet payments for merchants in Thailand, Japan, Singapore and Malaysia. Its parent rebranded as Opn in May 2022 and switched back to the Omise brand in March 2025; the holding company is still OPN Holdings Co., Ltd. in Tokyo, and opn.ooo now redirects to omise.co. Each country has its own published, pay-per-transaction price list with no setup or monthly fee. As of October 2026, cards cost 3.65% plus 7% VAT in Thailand, 3.30% + SGD 0.30 in Singapore and 2.50% (domestic) or 3.80% (international) in Malaysia. In Japan, card rates start at 2.95% and rise to 4.55% if you want your money sooner. Local methods are often cheaper: PromptPay is 1.65% in Thailand, PayNow 1.00% + SGD 0.15 in Singapore and DuitNow QR 1.50% in Malaysia. Omise signs the merchant agreement itself, collects the money on your behalf, keeps it on hold for a set period (7 days in Thailand, 1 in Singapore, 3 in Malaysia, 21 by default in Japan) and then lets you withdraw it for a small transfer fee. It is licensed by the Bank of Thailand and holds a Major Payment Institution licence from the Monetary Authority of Singapore. Public merchant reviews are scarce, so its reputation rests mostly on its licences, its long history and its backers rather than on user ratings.
2C2P
B-
2C2P is a Southeast Asian payments company, founded in Bangkok in 2003 by Aung Kyaw Moe and now headquartered in Singapore. Since April 2022 it has been majority-owned by Ant International (then Ant Group's international business), and since October 2025 it has traded as "2C2P by Antom". It still signs and onboards merchants under its own name. Merchants contract with a local 2C2P company in Singapore, Thailand, Malaysia, the Philippines or Hong Kong. In Indonesia the published agreement is with PT Dompet Elektronik Indonesia, and in Vietnam the licensed provider is partner M-Pay. 2C2P collects payments on their behalf through its partner acquiring banks and payment channels, deducts its fee and remits the rest. As of October 2026 it says it supports more than 400 payment methods, including cards, wallets, QR, bank transfers, instalments and cash at over 600,000 over-the-counter points, along with payouts, card and wallet issuing, and an airline payment orchestration product. It holds a Major Payment Institution licence from the Monetary Authority of Singapore, and its Thai companies hold Bank of Thailand payment licences. Pricing is quoted per account, and settlement timing is set in each merchant's signed proposal. Its published Merchant Service Agreement runs for a year, renews automatically, needs 90 days' written notice to end, and lets 2C2P withhold funds for up to 180 days after the last transaction. It suits mid-size and large businesses selling across several Southeast Asian markets. Small single-country sellers will find onboarding heavier than self-serve alternatives.
VS
Overview
This is a Thailand comparison in baht, using documents both companies published as of October 2026. Omise is the one you can sign up for yourself and price in advance. Its Thai rate card charges 3.65% on every card, domestic or international, 1.65% on PromptPay, THB 10 per mobile banking or direct debit payment, and 2.65% to 3.65% on most e-wallets, all plus 7% VAT, with no joining or monthly fee. Its own documents do not all agree: its Thai terms list a lower ShopeePay rate and a higher bank-transfer fee than the price list. 2C2P publishes no gateway rates. Its Thai merchant agreement leaves every rate blank to be filled in per merchant, so its prices can only be compared once you have a quote. The contracts differ more than the coverage. Omise's current Thai agreement (October 2025) has no minimum term and either side can end it on 14 days' notice. 2C2P's runs for a year, renews itself and needs 90 days' notice. 2C2P also accepts only payments of THB 300 to THB 500,000 and charges THB 200 a month on an account with no transactions for six months. On the other side, Omise holds each payment for 7 days before you can withdraw it, while 2C2P sets payout timing in each merchant's contract; its public payment-method directory gives T+1 to T+3 for Visa and Mastercard. Both take Thai cards, PromptPay, the major banks' apps, TrueMoney, LINE Pay, ShopeePay, Shopee PayLater and bank instalments, and both hold Bank of Thailand payment licences. 2C2P, part of Ant International's Antom, covers Indonesia, the Philippines and Vietnam as well as Thailand, Singapore and Malaysia. Omise, owned by Japan's OPN Holdings, covers Thailand, Japan, Singapore and Malaysia. Payment Review grades both B-.
Key Takeaways
- ✓Omise publishes a Thai rate card: 3.65% on all cards (domestic and international), 1.65% on PromptPay, THB 10 per mobile banking payment and 2.65% on TrueMoney and (on its price list) ShopeePay, plus 7% VAT, with no joining or monthly fee. 2C2P publishes no gateway rates; every rate in its Thai agreement is filled in per merchant.
- ✓Omise's October 2025 Thai agreement has no minimum term and either side can leave on 14 days' notice. 2C2P's Thai agreement runs one year, renews automatically and needs 90 days' written notice to end.
- ✓2C2P only accepts payments between THB 300 and THB 500,000 under its Thai agreement and charges THB 200 a month after six months without a transaction. Omise's default Thai charge range is THB 20 to THB 150,000.
- ✓Omise holds Thai balances for 7 days before you can withdraw them; each transfer to your bank costs THB 20 on its price list but THB 30 in its Thai terms and agreement. 2C2P sets payout timing in each merchant's contract; its public directory lists T+1 to T+3 for Visa and Mastercard.
- ✓2C2P, now branded 2C2P by Antom, adds Indonesia, the Philippines and Vietnam to Thailand, Singapore and Malaysia. Omise adds Japan. Both hold a Major Payment Institution licence in Singapore.
Omise
Omise suits a Thai online shop, app or SME that wants to sign up online, know its fees before it starts, take small-ticket payments (from THB 20) and be free to leave on 14 days' notice. It also suits a Thai business expanding into Japan.
2C2P
2C2P suits a larger merchant, airline or travel business that wants one contract covering Thailand, Singapore, Malaysia, Indonesia, the Philippines and Vietnam, takes payments of at least THB 300, and has the volume to negotiate its rates and payout terms.
The Verdict
It Depends on Your Needs
Why?
For a Thai SME, Omise is the practical choice: you can sign up online, its THB rate card tells you every fee in advance (3.65% on cards, 1.65% on PromptPay, THB 10 on mobile banking, all plus VAT), there is no monthly fee, and you can leave on 14 days' notice. Its drawbacks are a 7-day hold on Thai balances and a card rate that is the same for domestic and foreign cards. 2C2P publishes no gateway rates, signs merchants to an auto-renewing one-year contract with 90 days' notice, and only accepts payments of THB 300 and up, so it is hard to recommend to a small shop. It earns its place with larger merchants: one contract across six Southeast Asian markets including Indonesia, the Philippines and Vietnam, Ant International's network behind it, and rates and payout terms negotiated to your volume. Payment Review grades both B-, so the choice comes down to size and where you sell.
Feature by feature
Detailed Comparison
Filter Options
Transaction fees (Thailand, THB, as published October 2026)
| Feature | Omise | 2C2P |
|---|---|---|
| Published rate card | Yes, Thai rate card online Winner | No; quoted per merchant |
| Omise's Thailand pricing page lists a fee for every payment method and says the prices are subject to 7% VAT; larger businesses can ask sales for custom pricing. 2C2P's Thai merchant service agreement (June 2026 template) leaves the Visa, Mastercard, JCB, Amex, UnionPay, instalment and other rates blank to be filled in by a 2C2P officer, and its site asks merchants to get in touch. | ||
| Card rate, domestic and international | 3.65% on all cards + 7% VAT | Not disclosed |
| Omise charges the same 3.65% on Visa, Mastercard, JCB, American Express and UnionPay, Thai-issued or foreign, which is 3.9055% including VAT. There is no per-transaction fixed fee. | ||
| PromptPay QR | 1.65% + VAT | Not disclosed |
| Both accept PromptPay QR (2C2P channel code PPQR). Omise's Thai terms say it does not support refunds on PromptPay QR (or mobile banking) payments, so the merchant refunds the customer directly. | ||
| Mobile banking apps | THB 10 per payment + VAT | Not disclosed |
| Omise lists K PLUS, SCB Easy, Krungthai Next, Bualuang and Krungsri at THB 10, and online direct debit from KBank, SCB and Krungthai at the same THB 10. 2C2P lists mobile banking deeplinks for Krungthai, SCB, Bangkok Bank, Krungsri and Kasikorn, plus internet banking, bank counters, ATMs and over-the-counter payment at Big C, Tesco Lotus, Thailand Post, mPay and CenPay. | ||
| TrueMoney, LINE Pay and ShopeePay | TrueMoney 2.65%, LINE Pay 3.65%, ShopeePay 2.65% on price list (2.00% in Thai terms) (+ VAT) | Not disclosed |
| Omise's pricing page footnotes that businesses selling digital content (games, in-game items, top-up cards and, for TrueMoney, streaming, e-books and e-learning) pay a different rate on TrueMoney and LINE Pay. Its help article (last updated June 2021) says 10% on both, while its newer Thai terms (30 September 2025) say 8% on TrueMoney and 10% on LINE Pay; confirm which applies before signing. The same Thai terms list ShopeePay at 2.00% on wallet and direct-debit payments (2.50% on cards linked in ShopeePay), against 2.65% on the live pricing page, and say they take precedence over the merchant agreement. 2C2P supports all three wallets plus LazadaPay, PaotangPay, GrabPay QR and WeChat Pay in Thailand. | ||
| Card instalments | 3.65% + bank interest of 0.50%–1.30% | Not disclosed |
| Omise's Thai terms (Schedule II) list interest by bank and term for Krungsri, Krungsri First Choice, KBank, KTC, Bangkok Bank, SCB, Citibank, UOB and TTB, on top of the 3.65% fee; the merchant can absorb the interest (0% to the shopper) or pass it to the customer. 2C2P advertises 0% instalment plans from 3 to 36 months through Amex, UOB, Kasikorn, Thanachart, Citibank, Bangkok Bank, Central The 1, Krungsri, KTC and SCB, without a published fee. | ||
| Other wallets and buy now, pay later | Alipay 3.65%, WeChat Pay 1.65%, SPayLater 5%, Atome 6% (+ VAT) | Not disclosed |
| Omise also lists Alipay+, KakaoPay, Touch 'n Go, Google Pay and PayNext Extra Installment at 3.65%. 2C2P lists Shopee PayLater and TrueMoney Pay Next among its Thai buy now, pay later channels. | ||
Published rate card
Omise
Yes, Thai rate card online
Winner
2C2P
No; quoted per merchant
Omise's Thailand pricing page lists a fee for every payment method and says the prices are subject to 7% VAT; larger businesses can ask sales for custom pricing. 2C2P's Thai merchant service agreement (June 2026 template) leaves the Visa, Mastercard, JCB, Amex, UnionPay, instalment and other rates blank to be filled in by a 2C2P officer, and its site asks merchants to get in touch.
Card rate, domestic and international
Omise
3.65% on all cards + 7% VAT
2C2P
Not disclosed
Omise charges the same 3.65% on Visa, Mastercard, JCB, American Express and UnionPay, Thai-issued or foreign, which is 3.9055% including VAT. There is no per-transaction fixed fee.
PromptPay QR
Omise
1.65% + VAT
2C2P
Not disclosed
Both accept PromptPay QR (2C2P channel code PPQR). Omise's Thai terms say it does not support refunds on PromptPay QR (or mobile banking) payments, so the merchant refunds the customer directly.
Mobile banking apps
Omise
THB 10 per payment + VAT
2C2P
Not disclosed
Omise lists K PLUS, SCB Easy, Krungthai Next, Bualuang and Krungsri at THB 10, and online direct debit from KBank, SCB and Krungthai at the same THB 10. 2C2P lists mobile banking deeplinks for Krungthai, SCB, Bangkok Bank, Krungsri and Kasikorn, plus internet banking, bank counters, ATMs and over-the-counter payment at Big C, Tesco Lotus, Thailand Post, mPay and CenPay.
TrueMoney, LINE Pay and ShopeePay
Omise
TrueMoney 2.65%, LINE Pay 3.65%, ShopeePay 2.65% on price list (2.00% in Thai terms) (+ VAT)
2C2P
Not disclosed
Omise's pricing page footnotes that businesses selling digital content (games, in-game items, top-up cards and, for TrueMoney, streaming, e-books and e-learning) pay a different rate on TrueMoney and LINE Pay. Its help article (last updated June 2021) says 10% on both, while its newer Thai terms (30 September 2025) say 8% on TrueMoney and 10% on LINE Pay; confirm which applies before signing. The same Thai terms list ShopeePay at 2.00% on wallet and direct-debit payments (2.50% on cards linked in ShopeePay), against 2.65% on the live pricing page, and say they take precedence over the merchant agreement. 2C2P supports all three wallets plus LazadaPay, PaotangPay, GrabPay QR and WeChat Pay in Thailand.
Card instalments
Omise
3.65% + bank interest of 0.50%–1.30%
2C2P
Not disclosed
Omise's Thai terms (Schedule II) list interest by bank and term for Krungsri, Krungsri First Choice, KBank, KTC, Bangkok Bank, SCB, Citibank, UOB and TTB, on top of the 3.65% fee; the merchant can absorb the interest (0% to the shopper) or pass it to the customer. 2C2P advertises 0% instalment plans from 3 to 36 months through Amex, UOB, Kasikorn, Thanachart, Citibank, Bangkok Bank, Central The 1, Krungsri, KTC and SCB, without a published fee.
Other wallets and buy now, pay later
Omise
Alipay 3.65%, WeChat Pay 1.65%, SPayLater 5%, Atome 6% (+ VAT)
2C2P
Not disclosed
Omise also lists Alipay+, KakaoPay, Touch 'n Go, Google Pay and PayNext Extra Installment at 3.65%. 2C2P lists Shopee PayLater and TrueMoney Pay Next among its Thai buy now, pay later channels.
Best For Your Business
Recommendations based on your business type
Thai online shop or app selling items under THB 300
Recommended
Omise
Omise accepts Thai charges from THB 20, with published fees and no monthly fee. 2C2P's Thai agreement only accepts payments of THB 300 or more.
Small business that wants to know its fees before signing
Recommended
Omise
Omise publishes its Thai rates for every method and lets you sign up online. 2C2P's gateway rates are blank in its agreement until a sales quote fills them in.
Business that may switch provider within a year
Recommended
Omise
Omise's October 2025 Thai agreement ends on 14 days' notice (an older Omise memorandum still online says 60 days). 2C2P's runs a year, renews itself and needs 90 days' written notice.
Airline, travel or large retailer selling across Southeast Asia
Recommended
2C2P
2C2P covers Thailand, Singapore, Malaysia, Indonesia, the Philippines and Vietnam under one platform, accepts transactions up to THB 500,000, and negotiates rates and payout terms per merchant. Omise does not operate in Indonesia, the Philippines or Vietnam.
Thai business also selling in Japan
Recommended
Omise
Omise opens accounts and publishes pricing in Japan as well as Thailand. 2C2P does not list Japan among its markets.
High-volume Thai merchant with negotiating power
Both. Omise also offers custom pricing for large businesses. Get both quotes in writing, including card, PromptPay and wallet rates, payout timing, refund and chargeback costs, and compare them with Omise's published card rate of 3.65% plus VAT.
Omise: Best for 4 use cases
2C2P: Best for 1 use case
Frequently Asked Questions
Common questions about this comparison
As of October 2026, Omise's Thai pricing page lists 3.65% on all credit and debit cards, domestic or international, 1.65% on PromptPay and WeChat Pay, THB 10 per mobile banking or direct debit payment, 2.65% on TrueMoney and ShopeePay and 3.65% on LINE Pay and Alipay, all plus 7% VAT. There is no joining or monthly fee. Transfers to your bank cost THB 20 on the price list (THB 150 above THB 2 million), but Omise's Thai terms and merchant agreement say THB 30, and the terms list ShopeePay wallet payments at 2.00%. Digital-content sellers pay more on TrueMoney and LINE Pay: 8% to 10%, depending on which Omise document you read.
No. 2C2P's Thai merchant service agreement leaves every card, instalment and other rate blank, to be filled in for each merchant, and its website asks you to get in touch. The fixed terms it does publish include a THB 300 to THB 500,000 transaction range, a THB 200 monthly fee after six months without transactions, and a one-year auto-renewing contract with 90 days' notice. The only published rate is for Qwik, a separate social-commerce payment-link product: 2.5% plus VAT, per a November 2024 help article.
Omise holds Thai balances for 7 days before they can be withdrawn, and each transfer to your Thai bank account costs THB 20 on its price list (THB 30 in its contract documents). 2C2P sets payout timing in each merchant's own contract; its public payment-method directory lists a T+1 to T+3 cycle for Visa and Mastercard and T+1 to T+7 for American Express.
Omise Co., Ltd. is part of Japan's OPN Holdings. It operated as Opn for about two years and went back to the Omise name in March 2025; Toyota Financial Services and SCB 10X are among the group's major shareholders, but OPN Holdings is the parent. 2C2P has been part of Ant International's Antom since an April 2022 strategic investment and has traded as 2C2P by Antom since October 2025. Neither company had announced a sale or restructuring as of October 2026.
Yes. Both accept PromptPay QR, TrueMoney, LINE Pay, ShopeePay, Shopee PayLater, the major Thai banks' mobile apps and bank card instalments. 2C2P adds Thai over-the-counter, bank-counter and ATM payments, LazadaPay and PaotangPay.
Omise's October 2025 Thai agreement can be ended by either side on 14 days' written notice (an older Omise Thai memorandum still online says 60 days from the merchant), and Omise may keep a remaining balance for up to 12 months from the last transaction to cover refunds and disputes. 2C2P's runs for a year and renews automatically unless you give 90 days' written notice, and it can withhold payouts for up to 180 days after the last transaction once the agreement ends.