Whether you're selling products, taking deposits, or charging for a service, the moment you can accept payments online your business changes — you can take money 24/7, without chasing bank transfers or counting cash. The good news: it's far simpler than most owners think. Here's exactly how to take payments online, explained in plain language.
What you need to take payments online
Just two things:
- A website or online store where customers choose what they're buying.
- A payment processor (gateway) that securely handles the actual transaction — taking the customer's card or e-wallet and moving the money to your bank.
That's it. You don't need to be a developer, and you don't need to handle card numbers yourself — the processor does the secure part.
The main ways to accept online payments
1. Card payments (Visa, Mastercard)
The global default. A processor like Stripe or 2C2P lets customers pay by card on your site. You pay a small fee per transaction (typically a few percent) and the money lands in your bank account.
2. PromptPay and bank transfer (Thailand)
In Thailand, PromptPay is huge — fast, low-cost QR-based transfers straight to your bank. Offering PromptPay alongside cards meets local customers where they already are and keeps fees low.
3. E-wallets
TrueMoney, GrabPay, LINE Pay and similar are popular across Southeast Asia. Supporting the wallets your customers already use reduces abandoned checkouts.
4. Payment links
No full store yet? A simple payment link or QR you send via WhatsApp or LINE lets a customer pay instantly. Great for deposits, custom orders and service businesses.
How to set it up — step by step
- Get your website or store ready. You need somewhere for the customer to buy. If you don't have one, an AI builder like Krubly creates a full store with checkout in minutes — see How to Start an Online Store.
- Choose a payment processor that works in Thailand and supports the methods your customers use (cards + PromptPay covers most).
- Connect it to your site. On a modern platform this is a few clicks — no coding. Krubly uses Stripe Connect, so payments flow straight to your own account.
- Test a real transaction before you go live, so you know money lands correctly.
- Turn it on and start accepting payments.
What it costs
Online payments aren't free, but they're cheap relative to what they unlock. Expect a small percentage per transaction (often ~2–3% plus a tiny fixed fee). There's no marketplace commission like Shopee charges — just the processing fee. For the bigger picture on selling direct, see Shopee vs Your Own Website.
A real example
Ariaman & Co., a luxury watch brand in Bangkok, went from idea to taking live online payments in days using Krubly's built-in Stripe Connect checkout — no developer, no agency. Read the Ariaman & Co. case study.
Keep track of who's paying
Taking the payment is half the job — knowing who your customers are is the other half. A website with a built-in CRM records every buyer automatically, so you can follow up, offer repeat purchases and build loyalty. (See E-Commerce CRM.)
