> ## Content Index > Fetch the complete content index at: https://blog.fizen.io/llms.txt > Use this file to discover other available public pages before exploring further. # One QR Across Southeast Asia? The 2026 ASEAN Cross-Border QR Guide for Travellers - URL: https://blog.fizen.io/asean-cross-border-qr-payment-guide-2026/ - Published: 2026-11-08T14:00:00.000Z - Updated: 2026-11-10T15:01:41.000Z - Description: Southeast Asia's national QR codes are linking up, so a Thai banking app can pay a stall in Penang or Hanoi. Here is which links are live in 2026, who they actually serve, and what a visitor from outside the region does at the counter. - Author: Quinn Dao - Tags: Travel & Nomad, Guides **Quick answer:** Partly. Southeast Asia's central banks have linked many national QR systems in pairs: Thailand's PromptPay connects with Cambodia, Laos, Malaysia, Indonesia, Singapore and Vietnam, and Vietnam's NAPAS added Singapore in July 2026\. But the links serve people who bank in a member country. A visitor from Europe, Australia or the Gulf usually cannot plug a home banking app into them, and the Philippines' QR Ph does not appear on the Bank of Thailand's list of partner links. **Key takeaways** - **The links are bilateral, not one regional network.** Each pair of countries switches on its own connection, sometimes one direction first. - **Thailand is the hub.** The Bank of Thailand lists QR links with Cambodia, Laos, Malaysia, Indonesia, Vietnam and Singapore, plus Japan, Hong Kong, Korea and China. - **Vietnam keeps adding markets.** NAPAS launched inbound QR payments from Singapore on 2 July 2026, its sixth cross-border QR market and fourth in ASEAN. - **It is built for regional bank customers.** If your bank is outside the linked countries, the codes on the counter still will not take your home app. - **Visitors in Vietnam and the Philippines have another route:** Fizen QR Pay, funded with USDT on Solana or BNB Chain, for foreigners only. Three countries in ten days, three different QR codes on every counter, and the same problem each time: the stall wants a scan, your phone has the wrong app. Southeast Asia has been quietly working on that, linking its national QR systems so that a banking app from one country can pay a code in another. It is real, it is growing, and it is narrower than the headlines suggest. Here is the 2026 picture for travellers. ## What is ASEAN cross-border QR payment? It is a set of links between national QR payment schemes: PromptPay in Thailand, DuitNow in Malaysia, QRIS in Indonesia, KHQR in Cambodia, Lao QR in Laos, VietQR in Vietnam, and Singapore's PayNow and NETS. When two central banks connect their systems, a customer of a bank in one country can scan a merchant's code in the other and pay from their home account, with the conversion handled behind the scenes. The merchant gets local currency; the shopper sees the amount in their own. ## Which links are live in 2026? | Link | Status we could confirm | Source | | --------------------------------------------------- | ------------------------------------------------------------------------------ | ---------------- | | Thailand and Cambodia, Malaysia, Indonesia, Vietnam | Two-way QR links | Bank of Thailand | | Thailand and Laos | Lao users from 3 April 2024; Thai users scanning Lao QR planned from June 2024 | Bank of Thailand | | Thailand and Singapore | PromptPay to PayNow transfers; PromptPay with NETS QR | Bank of Thailand | | Singapore apps paying in Vietnam | Live since 2 July 2026; outbound from Vietnam planned | NAPAS | | Indonesia's QRIS in Japan | Live since 17 August 2025 at participating merchants | Bank Indonesia | | Philippines' QR Ph | Not on the Bank of Thailand's partner list | Bank of Thailand | NAPAS says its network now covers six countries, four of them in ASEAN. The direction matters: a link that lets Singapore apps pay in Vietnam does not yet let Vietnamese apps pay in Singapore. ## Who can actually use it? People who already hold an account at a participating bank or e-wallet in a linked country. A Thai traveller in Kuala Lumpur, a Malaysian in Bali, a Singaporean in Hanoi: for them it can be excellent. A traveller whose bank is in London, Sydney, Dubai or Moscow usually cannot connect their home app to any of it. For most long-haul visitors, the ASEAN links are something that helps the people next to them in the queue. ## Where does it fall short for travellers? - **Eligibility.** It serves regional bank customers, not global visitors. - **Patchy pairs.** Each corridor and direction switches on separately, so the link that worked last trip may not exist on this route. - **Your bank decides.** Even within a linked country, only participating banks and wallets offer it, and the in-app wording varies. - **Not every country is in.** The Philippines' QR Ph does not show up on the Bank of Thailand's list of live partner links. ## How do visitors from outside the region pay QR codes? In Vietnam and the Philippines, there is a route built for exactly that visitor: Fizen QR Pay. It is for foreigners and travellers only, cross-border use: Vietnamese residents cannot use it in Vietnam, and Filipino residents cannot use it in the Philippines. It does not work in Thailand, Malaysia, Indonesia, Singapore or elsewhere. 1. Create or import your Fizen wallet, which is non-custodial: you hold the keys. 2. Get USDT on Solana or BNB Chain into the wallet. Depositing on BNB Chain has no gas fee; on Solana you need a little SOL. USDT on another network, or another token, cannot be deposited into QR Pay, so swap and bridge it in the app first. 3. Deposit from the wallet into QR Pay. KYC applies per wallet and per device, so a new phone means KYC again. 4. Scan the merchant's code, check the name and the local-currency amount, and confirm. It pays VietQR, VNPay, MoMo and ZaloPay codes in Vietnam (codes of Vietnamese account holders only) and QR Ph in the Philippines. Limits are US$800 per payment and US$1,000 per week, with no daily limit. There is no bank link and no card top-up. The Fizen wallet is self-custody; USDT you move into QR Pay is governed by the Fizen QR Pay Terms, so only move in what you plan to spend. Step by step: the [QR Pay getting started guide](https://docs.fizen.io/help-center/fizen-qr-pay/getting-started?ref=blog.fizen.io). ## So what should you carry across Southeast Asia? If your bank is in a linked country, check its app for the cross-border QR option before you go and test one small payment on day one. If it is not, carry a card for hotels and malls, some cash for markets, and in Vietnam or the Philippines a QR payer that takes foreigners. And keep mobile data on: every QR payment, whichever system it uses, needs a connection at the counter. ## Frequently asked questions #### What is ASEAN cross-border QR payment? A set of links between Southeast Asian national QR systems, such as PromptPay, DuitNow, QRIS, KHQR, Lao QR and VietQR, that lets a customer of a bank in one linked country pay a merchant's QR code in another, in local currency. #### Which countries are connected? Thailand has links with Cambodia, Laos, Malaysia, Indonesia, Vietnam and Singapore. Vietnam's NAPAS also covers Singapore inbound since July 2026\. Links switch on pair by pair and sometimes one direction first. #### Can tourists from outside Southeast Asia use it? Usually not. The links are built for customers of participating banks and wallets in linked countries. A home banking app from outside the region generally cannot connect. #### Is the Philippines part of the ASEAN QR links? QR Ph does not appear on the Bank of Thailand's list of live cross-border partners, as checked on 2 November 2026\. Visitors in the Philippines pay QR Ph codes in other ways. #### How can a foreign visitor pay QR codes without a local bank account? In Vietnam and the Philippines, foreigners can use Fizen QR Pay, funded only with USDT on Solana or BNB Chain, up to US$800 per payment and US$1,000 per week. It is not available to residents in their own country. #### Does Fizen QR Pay work in Thailand or Indonesia? No. Fizen QR Pay works in Vietnam and the Philippines only. ![](https://storage.ghost.io/c/04/ee/04eee3a6-7d95-474c-80a5-48f84338363b/content/images/2026/11/asean-cross-border-qr-payment-guide-2026.png) #### Scan the codes in Vietnam and the Philippines Fizen QR Pay lets visitors pay VietQR, VNPay, MoMo and ZaloPay codes in Vietnam and QR Ph in the Philippines from USDT on Solana or BNB Chain, deposited from your own Fizen wallet. Up to US$800 per payment and US$1,000 per week. Fizen is building the stablecoin neobank for people on the move: a wallet you own, local QR payments and travel data in one app. [Get the Fizen app](https://link.fizen.io/s/ga6HaHg7ia?ref=blog.fizen.io) ### Terms and conditions - **Information only.** This article is information only, not an offer or sale, and not financial, legal or tax advice. Cross-border QR links, participating banks and rules change; check with your bank before relying on one. Fizen is not affiliated with any central bank, scheme or bank named here. - **For readers in the United States.** This is information only, not an offer or sale, and not advice. Fizen products and services are not offered to US Persons. - **QR Pay availability.** QR Pay is for cross-border use by travellers and foreigners in Vietnam and the Philippines only, and is not available to residents of those countries in their own country. It is funded only with USDT on Solana or BNB Chain, with no bank link or card; USDT on another network, or another token, cannot be deposited. In Vietnam it pays QR codes of Vietnamese account holders only. KYC, KYT, AML and sanctions checks apply. Use of QR Pay is governed by the Fizen QR Pay Terms. ### Sources - [Bank of Thailand, cross-border QR payment and remittance links](https://www.bot.or.th/en/financial-innovation/digital-finance/digital-payment/cross-border-payment.html?ref=blog.fizen.io) - [NAPAS, Vietnam and Singapore launch cross-border QR payment service (2 July 2026)](https://en.napas.com.vn/vietnam-and-singapore-launch-cross-border-qr-payment-service-accelerating-digital-economic-184260702152948206.htm?ref=blog.fizen.io) - [Bank Indonesia, QRIS expands to Japan (17 August 2025)](https://www.bi.go.id/en/publikasi/ruang-media/news-release/Pages/sp%5F2719325.aspx?ref=blog.fizen.io) - [Fizen Docs, QR Pay getting started](https://docs.fizen.io/help-center/fizen-qr-pay/getting-started?ref=blog.fizen.io) Cross-border link status checked on 2 November 2026 against the Bank of Thailand, NAPAS and Bank Indonesia pages listed. QR Pay rules checked against Fizen product information on 2 November 2026. ### Related reading - [PromptPay for foreigners in Thailand](https://blog.fizen.io/promptpay-for-foreigners-thailand-2026/) - [QRIS for foreigners in Indonesia](https://blog.fizen.io/qris-for-foreigners-indonesia-bali-2026/) - [VietQR for foreigners](https://blog.fizen.io/vietqr-for-foreigners-2026/) - [QR Ph for foreigners in the Philippines](https://blog.fizen.io/qr-ph-for-foreigners-philippines-2026/)