Acquiring & Payout Manual

This page is the merchant user guide for the Payout (fund disbursement) service on Ksher Merchant Platform.

For the API integration of Payout, see Payout Integration Guide.

Merchant Platform (Thailand): https://merchant.ksher.net/th

pdf PDF: Payout Manual_TH-EN_Update_23-September-2026.pdf

1. Payout Function Application Process

Document checklist

Service type Required documents

Payout - Standalone
For merchants who apply for the Payout service only

  1. Payout Service Application form

  2. Company documents, same as the Acquiring documents (corporate only):

    • Copy of DBD (company certificate)

    • Copy of bank account (book bank)

    • Copy of VAT registration (Por.Por.20)

    • Copy of director ID card / passport

  3. Payout Service Appointment for 3% Withholding Tax (POA) — authorizes Ksher to deduct 3% withholding tax for the Payout service

Acquiring + Payout
For merchants who apply for both Acquiring and Payout under the same MID

  1. Acquiring - Merchant Onboarding form

  2. Payout Service Addendum form

  3. Company documents, same as the Acquiring documents (corporate only):

    • Copy of DBD (company certificate)

    • Copy of bank account (book bank)

    • Copy of VAT registration (Por.Por.20)

    • Copy of director ID card / passport

  4. Acquiring & Payout Service Appointment for 3% Withholding Tax (POA)
The Payout service accepts corporate (juristic person) merchants only.

2. Payout Top-Up Process

Before creating payout orders, the Payout balance must be topped up. There are 2 methods.

Method 1: Manual Top-Up

Merchants transfer funds in THB directly to Ksher Payment’s bank account below, then send the payment slip to Ksher by email.

Table 1. Ksher Payout bank account

Bank name

Bangkok Bank

Account name

Ksher Payment Co., Ltd.

Account number

002-3-70109-7

  1. Transfer & email notification — after the transfer, send the payment slip to:

    Email to

    finance.th@ksher.com; thaics@ksher.com

    Email subject

    [MIDxxx - Merchant Name] Payment slip (THB [amount]) for payout top-up ([Date])

  2. Verification & top-up timeline

    • After verifying the payment, Ksher tops up the merchant’s Payout balance within 1-2 working days.

    • Ksher replies to the merchant’s email to confirm the top-up.

    • The top-up process is executed once per day.

Method 2: Automatic Top-Up

Available for merchants who use both Acquiring and Payout.

  1. The merchant applies for both Acquiring and Payout, and gives consent for Ksher to automatically transfer Acquiring settlement funds to the Payout balance.

  2. The system automatically tops up the Payout balance using the daily Acquiring settlement funds. Settlement is processed separately for each payment channel, and the auto top-up occurs at approximately 14:00-18:00 on every working day.

  3. Once the top-up for each payment channel is completed, Ksher staff send an email notification to the merchant for confirmation.

3. Payout Function Menu on Merchant Platform

All Payout menus are under Account Balance on Merchant Platform.

3.1 Balance Management

Check the balance available for payout before creating an order.

Go to Account Balance > Balance management.

Balance management
Balance Description

Total Balance

Combined balance = Available balance + Payout balance + Unavailable balance + Rolling reserve freezing balance

Payout Balance

Balance available for payout orders. The merchant can top up, or adjust money from the available balance, to increase the payout balance.

Rolling Reserve

Temporarily reserved amount (rolling reserve freezing balance)

Available Balance

Balance available for settlement

3.2 Payout Order Management

Manage batch transfers and review payout details, including the receiver’s bank account or PromptPay details, transfer amount and transaction status.

Go to Account Balance > Payout order management.

Payout order management

Step 1: Download the batch transfer template

Click Download template of batch transfer.

Download template of batch transfer

Step 2: Fill in the template

Open the template file and fill in all required information. The Excel file includes examples and guidelines for each field.

Field Description

mch_order_no

Merchant order no. Must be unique overall.

total_fee

Order amount in THB, up to two decimal places.

receiver_type

Receiving account type:

  • BANK — payment to a bank account

  • PROMPTPAY_NATID — payment to PromptPay by national ID

  • PROMPTPAY_MSISDN — payment to PromptPay by mobile number

receiver_no

Receiving account number, or PromptPay ID.

receiver_bank_code

Receiving bank code. See Thailand bank codes.

email

Email address to receive the payment voucher (optional). If provided, the voucher is sent to this address. Only one email address is supported. If left blank, no voucher is sent to the customer.
Table 2. Example: PromptPay by mobile number
mch_order_no total_fee receiver_type receiver_no receiver_bank_code email

Test01

1.00

PROMPTPAY_MSISDN

1100701819565

014

test@ksher.com
Table 3. Example: PromptPay by national ID card number
mch_order_no total_fee receiver_type receiver_no receiver_bank_code email

test05

1.00

PROMPTPAY_NATID

1100701819542

014
Table 4. Example: Bank transfer
mch_order_no total_fee receiver_type receiver_no receiver_bank_code email

test00009

1.5

BANK

8452066840

004

test00010

2.5

BANK

8452066840

004
Enter receiver_bank_code as text so Excel keeps the leading zeros (for example 004, not 4).
Table 5. Thailand bank codes
Bank code Bank name

002

Bangkok Bank Public Company Limited (BBL)

004

Kasikornbank Public Company Limited (KBANK)

006

Krung Thai Bank Public Company Limited (KTB)

011

TMB Bank Public Company Limited (TMB)

014

Siam Commercial Bank Public Company Limited (SCB)

017

Citibank N.A. (CITI)

020

Standard Chartered Bank (Thai) Public Company Limited (SCBT)

022

BANKTHAI Public Company Limited (UOBT)

024

United Overseas Bank (Thai) PCL (UOBT)

025

Bank of Ayudhya Public Company Limited (BAY)

030

Government Saving Bank (GOV)

033

Government Housing Bank (GHB)

034

Bank for Agriculture and Agricultural Cooperatives (AGRI)

039

Mizuho Corporate Bank Limited (MHCB)

065

Thanachart Bank Public Company Limited (TBANK)

066

Islamic Bank of Thailand (ISBT)

067

Tisco Bank Public Company Limited (TISCO)

069

Kiatnakin Bank Public Company Limited (KK)

070

ACL Bank Public Company Limited (ACL)

071

The Thai Credit Retail Bank Public Company Limited (TCRB)

073

Land and Houses Bank Public Company Limited (LHBANK)

079

ANZ Bank (Thai) Public Company Limited (ANZ)

080

Sumitomo Mitsui Trust Bank (Thai) PCL. (SMTB)

098

Small and Medium Enterprise Development Bank of Thailand (SMEB)
Email notification & payslip

If the merchant fills in the customer’s email address in the template, the customer receives a Payout Transaction Confirmation email with a payslip (PDF attachment) after a successful transfer.

Email notification and payslip
If you do not want the customer to receive the email and payslip automatically, leave the email field blank.

Step 3: Upload & confirm the batch transfer

Upload the completed template to process the payout.

  1. Click Batch transfer.

  2. Click Upload and upload the completed template.

  3. Verify the total number of transactions and total amount.

  4. Enter your password and click Yes.

Once confirmed, the payout is processed automatically and the end user receives the funds immediately.

Upload and confirm batch transfer
Please recheck all information carefully. Once the password is entered and Yes is clicked, the payout cannot be cancelled or recalled.
Insufficient balance error

If the Payout balance is insufficient, the following error appears after confirming:

The balance of the payment account is insufficient, please contact the operator to top up

Insufficient balance error

Top up the Payout balance (see 2. Payout Top-Up Process) before submitting the batch again.

Step 4: Batch transfer history

Check the processing status of each uploaded batch and download the related records.

  1. Click View batch transfer history.

  2. Review the task status (number of successful / failed transactions), or download the original file and the failed file.

Batch transfer history

Step 5: Check payout details & download voucher

Review payout transaction details directly on the Payout order management page: payout date, Ksher order no., merchant order no., beneficiary account, transfer type, task status, failed reason and amount.

Click Download voucher in the Operation column to download the payment voucher (payslip).

Download payout voucher

Step 6: Download payout records

  1. Select the payout date range.

  2. Click Search.

  3. Click Download to export the records as an Excel file.

The exported file includes payout date, transfer type, status, failed reason, amount and remark.

Download payout records

3.3 Balance Management Detail

Review historical account activity, including top-up and payout transactions, fees and running balance, and export the records to Excel for reconciliation.

Go to Account Balance > Balance management detail.

Balance management detail

To download the balance records:

  1. Select the transaction time range and click Add a download task.

  2. Enter a task name and click Confirm.

  3. When the task status is Finished, click Download to get the Excel file.

Download balance records

4. Payout Function FAQ

What is the transaction limit?

Minimum 1 THB, maximum 2,000,000 THB per transaction.

Can a confirmed payout be cancelled?

No. Once confirmed with the password, a payout cannot be cancelled or recalled.

When does the beneficiary receive the funds?

Funds are transferred to the beneficiary immediately after confirmation.

Is there a limit on the number of bills in a batch transfer?

There is currently no limit on the number of bills in a batch transfer.

Which receiving accounts are supported?

Thai bank accounts, and PromptPay by national ID or mobile number.

Is an E-Tax receipt issued?

Yes. An E-Tax receipt / tax invoice is issued for the Payout service fee on transaction days.

E-Tax receipt / tax invoice