---
title: "Cards"
slug: "th-credit-card"
updated: 2026-08-17T01:38:42Z
published: 2026-08-17T01:38:42Z
canonical: "docs.xendit.co/th-credit-card"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xendit.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Cards

The annual value of card transactions in the Thailand cards and payments market is estimated to be USD $62.5 billion in 2023 and will grow at a CAGR of more than 7% during 2023-2027.

About 30% of Thai cards are credit cards, the rest are ATM and Debit cards. Source: [Bank of Thailand](https://app.bot.or.th/BTWS_STAT/statistics/BOTWEBSTAT.aspx?reportID=685&language=ENG)

Credit card volumes have reached over 1 Billion USD in 2024 in Thailand and are expected to grow to even further in 2025.

---

## Features & Requirements

| **Channel Code** | CARDS |
| --- | --- |
| **Display Name** | Cards |
| **Currency** | THB |
| **Country** | TH |
| **Type** | CARDS |
| **Min Amount** | 1.00 |
| **Max Amount** | 700,000.00 |
| **User Approval Flow** | REDIRECT, SKIP |
| **Reusable Payment Code** | - |
| **Save** | ✓ |
| **Merchant Initiated Transaction** | ✓ |
| **Auth & Capture** | ✓ |
| **Partial Capture** | ✓ |
| **Desktop Support** | WEB URL |
| **Mobile Support** | MOBILE WEB URL |
| **Custom Payment Code** | - |
| **Display Merchant Name** | XENDIT, MERCHANT |
| **Customize Display Name** | - |
| **Set Expiry** | - |
| **Payment Request Expiry (hours)** | 0.166 |
| **Payment Token Validity (years)** | CARD EXPIRY |
| **Payment Processing Time (hours)** | INSTANT |
| **Settlement Time** | T+3 BUSINESS DAYS |
| **Installments** | - |
| **Refund** | ✓ |
| **Partial Refund** | ✓ |
| **Multiple Partial Refund** | ✓ |
| **Refund Validity (days)** | 365 |
| **Payment Link** | ✓ |
| **Fund Flow** | AGGREGATOR, GATEWAY |

## Payment flow

[Credit Cards TH.mp4](https://cdn.document360.io/217abc43-8677-41fb-a81d-fceeb1fa0358/Images/Documentation/Credit%20Cards%20TH.mp4)