Does the BillsOS PromptPay QR include the amount, or does the buyer type it?

The amount is embedded automatically from the invoice. Buyers scan and immediately see the amount due — no typing — which reduces wrong-amount errors and makes reconciliation easier.

Whose account does the buyer’s payment go into — does BillsOS hold the money?

Money goes directly into your own bank account via PromptPay. BillsOS does not hold your money, is not a payment intermediary, and takes no percentage of sales.

Does BillsOS charge a per-invoice fee, and who pays the transfer fee?

BillsOS charges no per-invoice or per-transaction fee; you only pay your monthly plan. Any PromptPay transfer fee is a matter between the buyer and the buyer’s bank — ordinary transfers up to ฿5,000 are usually free. Please verify current rates with your bank.

Do I need to register a company before I can accept PromptPay?

No. Individuals and freelancers can accept PromptPay using their national ID or mobile number. Corporate PromptPay (linked to the 13-digit ID) is optional for companies/partnerships, which must first register the account linkage with a bank.

If I receive a lot of PromptPay payments, do I owe tax?

A transfer is not automatically taxed, but income from sales/services must be included for tax. Banks report account data to the Revenue Department when e-Payment thresholds are met (3,000 transactions/year, or 400/year plus ฿2m total) — this is reporting for audit, not immediate taxation. Correctly issued receipts/tax invoices help explain the source of income. Consult an accountant and verify thresholds with the Revenue Department.

How can I protect against fake transfer slips?

Do not confirm payment from the slip image alone — check money actually credited to your account. An amount-tied QR makes it easier to verify "did the credited amount match the invoice?", and you can further check a slip by scanning its QR through your banking app to compare the sender, amount and date.

Accept Business PromptPay and Issue Receipts Automatically

Accept PromptPay for your shop using an amount-embedded PromptPay QR tied directly to each invoice. Buyers scan and instantly see the exact amount due — no typing. Money lands directly in your own bank account, and receipts, tax invoices and withholding-tax certificates (50 Bis) are issued automatically. Start free, no credit card.

By the BillsOS team · Updated 6 Jun 2026

Note: this article is general information for understanding only and is not specific tax or financial advice. Please verify the latest terms, fee rates and rules with your bank and the Thai Revenue Department, or consult an accountant/CPA for your situation.

How PromptPay works for businesses

PromptPay is Thailand’s payment infrastructure, regulated by the Bank of Thailand. It lets people send and receive money using a "proxy ID" instead of an account number. For businesses there are two main forms worth understanding clearly.

Personal vs corporate PromptPay

	Personal PromptPay	Corporate PromptPay
Proxy ID used	National ID number or mobile number	13-digit corporate-registration number (or 13-digit tax ID for organisations without a registration number)
Who it suits	Individuals, freelancers, sole traders	Companies, partnerships, juristic persons
Account linking	Per each bank’s terms	The 13-digit ID links to one account at one bank only

A juristic person that wants partners to pay to its 13-digit ID must first register the linkage with a bank, using a savings or current account. Minimum documents requested (exact details vary by bank) typically include the corporate-registration certificate (issued within the last 3 months), the authorised signatory’s ID card, and proof of account ownership.

Sole traders and freelancers do not need to register a company to accept PromptPay — they can use PromptPay linked to their own national ID or mobile number. Registering a juristic person is optional as the business grows.

Transfer fees — who pays, and how much

This is where shops most often get confused. PromptPay transfer fees are a matter between the buyer and the buyer’s bank — they are not a cost to the recipient. For ordinary individual buyers paying for goods, the fee ceilings set by the Bank of Thailand are as follows (these are maximum ceilings; actual banks may charge less — please verify with your bank).

Amount per transfer (person-to-person)	Fee per transfer (ceiling)
Up to ฿5,000	Free
Over ฿5,000 – ฿30,000	Up to ฿2
Over ฿30,000 – ฿100,000	Up to ฿5
Over ฿100,000 up to the bank’s limit	Up to ฿10

In practice, most ordinary purchases (up to ฿5,000) transfer for free. Transfers "between juristic persons" follow a separate schedule (ceiling up to ฿10 for amounts up to ฿100,000, and up to ฿15 above ฿100,000). These are ceilings under Bank of Thailand notices — please verify the current rates with your bank.

On the BillsOS side, we charge no per-invoice or per-transaction fee. We are an invoicing and QR-generation tool — all money flows from the buyer straight into your own bank account. We never hold your money, are not a payment intermediary, and take no percentage of sales. You only pay your monthly BillsOS plan.

Static vs Dynamic PromptPay QR — and why it matters

PromptPay QR comes in two forms, and the difference is at the heart of problems shops face every day.

Static QR — the buyer types the amount

A static QR is a single code you print once and stick up at the counter. It works indefinitely, but no amount is embedded — the buyer must type the figure in. The problems that follow:

Buyers type the wrong amount (under- or over-paying), needing fixes afterwards
The shop must manually reconcile who paid how much, against which invoice
It opens the door to fake slips, because the shop only looks at a slip image with no link to the real invoice amount

Dynamic QR — the amount is embedded in the QR

A dynamic QR has the amount embedded and is generated fresh for each invoice. The buyer scans and immediately sees the amount due — no typing — which removes wrong-amount errors and makes reconciliation easy because one QR = one invoice = one amount.

Mismatched amounts and fake slips Thai shops really face

A fake slip is a transfer slip fabricated by scammers — with sender/recipient names, date-time, amount and a forged QR — when no money was actually sent, or money was sent but the amount does not match. Banks advise: never trust the slip image; confirm against money actually credited to your account, for example by scanning the QR on the slip through your banking app (Krungthai NEXT, K PLUS, etc.) to check whether the sender, recipient, amount and date all match.

When the QR carries the amount from the invoice from the start, checking "did the credited amount match the invoice?" becomes far easier and clearer, because the expected amount is already on record.

How BillsOS solves this end to end

BillsOS brings every step — from issuing the bill to producing the tax documents — into one place.

Create the bill / invoice / quotation — enter line items, toggle VAT on or off, bilingual Thai/English
Generate an amount-embedded PromptPay QR matching the invoice — buyers scan and the exact amount appears, no typing, fewer errors
Buyers pay straight into your own bank account — BillsOS never holds funds and is not a payment intermediary
Issue Revenue-Department-format receipts / tax invoices and withholding-tax certificates (50 Bis) automatically — every document you need
Send the payment link to buyers conveniently via LINE

The result: less manual reconciliation, lower risk of mismatched amounts, and tax documents ready as evidence the moment a sale closes.

Honest fee and fund-flow disclosure

Money never passes through BillsOS — buyers transfer directly into your own bank account via PromptPay
No per-invoice or per-transaction fee from BillsOS — you only pay your monthly plan
Transfer fees (if any) follow the buyer-side bank’s rates; ordinary transfers up to ฿5,000 are usually free — check with the bank
BillsOS is not a payment processor and not an e-wallet — it is an invoicing and document tool

Who it is for

Online shops tired of checking slips and reconciling PromptPay transfers
Freelancers and service providers who issue quotations and receipts and are subject to withholding tax, needing 50 Bis
SMEs that want buyers to pay the exact amount and to have complete tax documents without outsourcing paperwork

PromptPay, your tax obligations and record-keeping

This section is general guidance, not specific tax advice. Consult an accountant/CPA for your situation.

A transfer by itself is not automatically taxed, but if the money received is "income" from selling goods or services, it must be included as assessable income according to its income category, and its source must be explained correctly.
The e-Payment system is reporting for audit purposes, not immediate taxation. Banks must report account data to the Revenue Department when thresholds are met: 3,000 or more deposits/transfers received per year (regardless of value), OR 400 or more per year with a combined total of ฿2 million or more (please verify the current thresholds with the Revenue Department).
Having correctly issued receipts/tax invoices makes the source of income clear and provides good accounting evidence.

Comparison: a static-QR tool vs BillsOS

	Static-QR tool (counter sticker)	BillsOS (Dynamic QR + documents)
Amount in the QR	Buyer types it / must be re-created each time	Auto-embedded to match the invoice
Wrong-amount risk	High	Low (amount tied to invoice)
Invoice link / reconciliation	Manual	QR ↔ invoice ↔ amount in one system
Receipt / tax invoice	None — done separately	Automatic, Revenue-Department format
Withholding cert (50 Bis)	None	Included
Money straight to your account	Yes	Yes (BillsOS holds no funds)
Per-transaction fee from the tool	Varies by tool	None (monthly plan instead)

Start free — no card

Start issuing bills + amount-embedded PromptPay QR with automatic receipts (free Starter plan).