Payment methods in Cambodia

One of Cambodia's pioneering mobile financial services providers, with 7 million registered users and 11,000 agents nationwide. Wing Bank supports payments, transfers, and remittances, serving both banked and unbanked populations through its extensive agent network.

A consumer-facing mobile wallet in Cambodia supporting merchant QR payments and peer-to-peer transfers. Pi Pay has targeted urban consumers and online shoppers, though it competes in an increasingly consolidated market dominated by ABA and Wing.

Cambodia's national interoperable QR code payment standard, introduced in July 2022 by the National Bank of Cambodia and operating on the Bakong infrastructure. KHQR enables consumers to pay any participating merchant using any participating banking app, accounting for over 47% of non-cash retail transactions by 2025.

The National Bank of Cambodia's blockchain-based payment system, which underpins much of Cambodia's digital payment ecosystem including KHQR. Bakong has 27.6 million accounts and is accepted by 3 million merchants, representing a major leap in financial infrastructure for the country.

ABA Bank's mobile banking app is Cambodia's most widely used financial application, with the bank holding approximately 47% of the digital payments market. ABA Pay supports KHQR payments, fund transfers, and merchant payments. ABA Mobile is praised for its user experience and comprehensive features.

Digital services from Acleda Bank, one of Cambodia's largest commercial banks with approximately 30.9% market share in digital payments. Acleda's mobile app supports KHQR, transfers, and loan services, serving both retail customers and SMEs.