Enabler
Wallet App Banking App New Payment method
to get access the digital payment ecosystem
Open Digital Payment Infrastructure
The simpler way to provide interoperability access between APAC and the rest of the world.
Open Digital Payment
Infrastructure
The simpler way to provide interoperability access
between APAC (Asia-Pacific) and the rest of the world.
Backend By
Benefit
One Combine leverages its Open Digital Payment Infrastructure to enhance digital financial apps and embedded finance services.
By expanding our ecosystem and connecting seamlessly to global markets and partners, we unlock vast potential and create unlimited opportunities for growth and innovation.
This transformation facilitates exciting new business models, turning innovative ideas into reality.
Unified payment network and merchant pools through a single connection.
Significantly reduce merchant acquisition costs across business operations and integration processes.
Bridge payment networks to enhance Member or Wallet Apps, transitioning to open-loop systems for improved customer
experience and increased user retention.
Streamlined Integration and Settlement by Access Wallet Apps, Banking Apps, and new payment methods through a single integration point.
Support new feature and product development for members, reducing in-house costs.
Quickly roll out updates across all merchant pools, including Common discounts, Voucher systems, Gift card programs, New marketing value-added tools.
Open API
Simplify and streamline Open APls through encapsulation.
Transform complexity into a Plug-and-Play concept for effortless deployment.
Comprehensive documentation and resources are crucial, with interactive references and real-world examples being particularly valuable.
Focus on developer experience, offering tools like SDKs, CLIs, and sandbox environments.
Security and compliance are universally prioritized, with HTTPS. OAuth 2.0, and regulatory compliance being common features.
Content type
application/json
{
"partner_id": "string",
"payee": "string",
"service_code": "string",
"order_id": "string",
"channel": "00",
"channel_info": "string",
"payer_id": "string",
"sof_code": "string",
"transaction_datetime": "string",
"approval_code": "string",
"crn": "string",
"customer_currency_code": "THB",
"customer_amount": 500,
"merchant_currency_code": "THB",
"merchant_amount": 500,
- "print_ref": [
"string"
"metadata": "string"
}
Content type
application/json
{
"partner_id": " : "000001",
"payload_code": "XXXXX",
"order_ref": : "167393817200" ,
"payee": "400001100000000",
"currency_code": "THB"
"amount": 200.89,
"service_code" : "
"merchant_name": "O Coffee Club",
"merchant_city": "Bangkok",
"merchant_country_code": "TH",
"mcc": "5814",
"postal_code": "12000"
}
Connected
Why One Combine
One Combine is a comprehensive solution that addresses the current limitations of the cross-border payment landscape, creating a more inclusive and innovative ecosystem that enables new forms of collaboration and interconnected payments.
Unlocking interoperability in cross-border payments
- One Combine acts as a central hub that connects various international payment apps and new payment methods (like Non-Bank / BigTech Payment App, neo-banks, virtual banks, and embedded payment systems) to the payment ecosystem.
- It provides a single integration point, allowing these diverse payment methods to interact with our merchant pool and the partner’s ecosystem without needing individual integrations.
Empowering Modern Acquirers with Unrestricted Access
- One Combine offers an openness infrastructure for modern acquirers to process payments, bypassing the need for the traditional sponsorship model.
- It provides equal access to all qualified payment processors, promoting fair competition and innovation in the payment sector.
Facilitating Co-created Marketing Value
- One Combine goes beyond basic payment processing by offering a platform for easy collaboration between payment apps, merchants, and brands.
- It enables quick and efficient creation and management of value-added services such as discounts, vouchers, and point transfers across different platforms.
Bridging Ecosystems
- One Combine acts as a bridge between closed-loop domestic systems and open-loop international networks.
- It allows companies to expand their reach both domestically and globally through a single integration point.
Open API and Modern Payment Network
- One Combine provides open APIs, allowing for easy integration of various services and applications.
- Its modern payment network infrastructure ensures fast, secure, and efficient transaction processing.
Enhancing User Experience
- For consumers, One Combine enables a seamless payment experience, regardless of the payment app or method, they prefer to use.
- For businesses, it simplifies the process of accepting various payment methods and participating in cross-platform marketing initiatives.
Promoting Innovation
- By providing an open platform, One Combine encourages fintech innovation, allowing new players to enter the market more easily and established players to expand their services.
Compliance and Security
- One Combine ensures that all connected systems adhere to necessary regulatory requirements and security standards, providing a safe and compliant environment for cross-border transactions.
Unlocking interoperability in cross-border payments
- One Combine acts as a central hub that connects various international payment apps and new payment methods (like Non-Bank / BigTech Payment App, neo-banks, virtual banks, and embedded payment systems) to the Thai payment ecosystem.
- It provides a single integration point, allowing these diverse payment methods to interact with Thai merchants and the PromptPay system without needing individual integrations.
Empowering Modern Acquirers with Unrestricted Access
- One Combine offers an openness infrastructure for modern acquirers to process payments, bypassing the need for the traditional sponsorship model.
- It provides equal access to all qualified payment processors, promoting fair competition and innovation in the payment sector.
Facilitating Co-created Marketing Value
- One Combine goes beyond basic payment processing by offering a platform for easy collaboration between payment apps, merchants, and brands.
- It enables quick and efficient creation and management of value-added services such as discounts, vouchers, and point transfers across different platforms.
Bridging Ecosystems
- One Combine acts as a bridge between closed-loop domestic systems and open-loop international networks.
- It allows companies to expand their domestic and global reach through a single integration point.
Open API and Modern Payment Network
- One Combine provides open APIs, allowing for easy integration of various services and applications.
- Its modern payment network infrastructure ensures fast, secure, and efficient transaction processing.
Enhancing User Experience
- For consumers, One Combine enables a seamless payment experience, regardless of the payment app or method, they prefer to use.
- For businesses, it simplifies the process of accepting various payment methods and participating in cross-platform marketing initiatives.
Promoting Innovation
- By providing an open platform, One Combine encourages fintech innovation, allowing new players to enter the market more easily and established players to expand their services.
Compliance and Security
- One Combine ensures that all connected systems adhere to necessary regulatory requirements and security standards, providing a safe and compliant environment for cross-border transactions.
In a landmark alliance, One Combine and The Payment Ally Club forge a strategic partnership to spearhead innovation and transform the payment ecosystem across Thailand and Southeast Asia.
1.
Streamline
payment
processes
2.
Facilitate frictionless
transactions for
businesses and consumers
3.
Drive innovation in
the Thai financial
technology sector
4.
Promote financial
inclusion and
digital transformation
