Payment Gateway - KPay

Payment Gateway – KPay is an intermediate system of transmission, exchanging and processing payment transaction between bank account, card holder or e-wallet holder and Card Acceptance Merchant providing goods and services on Internet. Payment Gateway KPay is set up, deployed and operated by CAMBOPAY Co.,ltd. KPay meets the security requirements at the highest level and is certified by National Bank of Cambodia (NBC) and banks in Cambodia.

With the aim of developing a simple and convenient payment method, reducing social costs and changing traditional shopping habits of the majority of the population, Payment Gateway KPay will connect with many e-commerce websites of many business partners providing a variety types of goods and services.

Besides, Payment Gateway KPay has accepted most of domestic and international payment cards with only one connection. The business management system provides detailed reports on transaction and revenue. Risk management mechanism meets with international standards. All the services are used at a reasonable cost level. All the above benefits encourage enterprises to willingly develop business on Internet.

Interpretation of transaction flow


  • Customer chooses goods and services on e-commerce websites and clicks on the button “Payment”.
  • Customer will be transferred to Interface of Payment Gateway; Customer selects the payment method through Bank A’s account and input information on card account.
  • Payment Gateway KPay sends information on card account and bill payment request to Bank A’s authentication system.
  • Bank A authenticates the validity of customer’s information and card account balance and makes payment as requested, then sends notice of transaction result to Payment Gateway KPay.
  • Payment Gateway KPay sends notice of transaction result to e-commerce websites and notify customer on successful transaction. 


Connection model


When participating in Payment Gateway KPay bank plays a role as both a card issuer and a payment account management organization for card acquirer, ensuring payment for card acceptance merchant.

Benefits of connecting with KPay - Payment Gateway to Banks:

  • Increasing card utilities

Deployment of online payment connection through Payment Gateway KPay will increase utilities of bank card. Besides traditional functions such as money withdrawal, money transfer, etc. customer can also use card to make online payment transactions through e-commerce websites. This function will enhance competitiveness with other banks’ card product.

  • Increasing revenues and deposits

       With a variety of electronic payment services, customer shall reduce the need of cash withdrawing. Deposit amount and time shall increase; thereby, bank will have more chances of business with this deposit resource.

  • Marketing of bank brand and card product

Promotion programs and information on bank’s new products shall be continuously updated and posted on Payment Gateway KPay and the other websites developed and managed by CAMBOPAY. With an increasing number of customers that login to the websites, this has become an effective marketing channel for bank’s product and brand.

  • Profits sharing

With each of the payment transaction made through Payment Gateway KPay, bank shall enjoy an amount of transaction settlement fee. Calculation of this fee shall be based on the value of successful transaction.

  • Reducing the cost of developing card acceptance merchants on Internet.

       With an increasing number of e-commerce websites on Internet, the connection between e-commerce websites and banks through Payment Gateway KPay helps to reduce the cost of operation and connection. Bank can focus more on payment transactions while as KPay can undertake service support for enterprises.

In the coming time, CAMBOPAY will continue to develop technical infrastructure, simplify payment procedures and enhance cooperation with e-commerce enterprises and banks with the aim of bringing more choices to customer having bank card or account.