FAQ

1. What is NewPay?

NewPay is a compliant payment and cross-border acquiring service platform for the Laos market. It provides merchants, institutions and partners with QR payments, online checkout, cross-border wallet acceptance, account settlement, merchant management and risk compliance services.

Through NewPay, merchants can more easily accept payments from local users, cross-border visitors and different e-wallet users, and manage transaction queries, refunds, reconciliation and settlement through a unified backend.

2. Who does NewPay mainly serve?

NewPay primarily serves three types of customers:

• In-store merchants such as restaurants, hotels, convenience stores, attractions, duty-free shops and retail stores.
• Online merchants such as e-commerce platforms, ticketing platforms, travel service platforms, games and digital content platforms.
• Institutional partners such as banks, wallets, payment service providers, public service platforms, government public-service platforms, travel-service institutions and large enterprise customers.

3. How is NewPay different from a regular payment QR code?

Regular payment QR codes usually support only one wallet or one account. NewPay works more like a unified payment entry, helping merchants connect multiple payment methods while providing transaction management, refunds, reconciliation, settlement and risk control capabilities.

For merchants, NewPay's value is not simply adding more QR codes. It integrates multiple payment channels, wallets and settlement flows into one unified system.

4. Does NewPay only serve Chinese tourists?

No. Payments by Chinese visitors are an important NewPay scenario, but NewPay is not positioned only as Chinese wallet acquiring.

NewPay serves local merchants in Laos, cross-border visitors, ASEAN wallet users, online platforms and institutional customers, with room to expand more local and international payment methods over time.

5. Which payment methods does NewPay support?

Depending on merchant scenarios, NewPay can support in-store QR payments, online checkout, static and dynamic QR acceptance, payment-code payments, cross-border wallet acquiring and bank-card related payment capabilities. It can also support account settlement and fund disbursement services for platform merchants.

The specific supported wallets, cards or payment methods depend on NewPay's current service scope and the merchant agreement.

6. Does NewPay support WeChat Pay, Alipay+ and UnionPay?

NewPay can provide merchants with acceptance capabilities for mainstream cross-border wallets and payment networks, including WeChat Pay, Alipay+, UnionPay and Cloud QuickPass.

The scope, transaction scenarios and settlement rules for each payment method may vary by merchant type, industry category, partner bank, wallet rules and regulatory requirements.

7. What is in-store QR payment?

In-store QR payment means consumers pay in a store by scanning the merchant's payment QR code with a mobile wallet, or the merchant scans the consumer's payment code.

Applicable scenarios include dining, retail, hotels, attractions, transport, convenience stores, duty-free shops and other offline consumption scenarios.

8. What is online checkout?

Online checkout is the unified payment page or payment API that NewPay provides for online merchants.

After consumers place an order on a website, app or H5 page, they can be redirected to a NewPay payment page and choose a supported wallet or payment method. Merchants can use one unified interface for order creation, payment queries, refunds and reconciliation.

9. What is an aggregated payment API?

An aggregated payment API means merchants only need to integrate NewPay's unified API to accept multiple payment methods according to business needs.

This reduces the technical cost of separately integrating different wallets, banks and payment channels, and makes it easier to add more payment methods later.

10. Can NewPay support both online and offline integration?

Yes. NewPay can provide both in-store acceptance and online payment APIs according to the merchant's business type.

For example, a travel company can use NewPay payment QR codes in offline stores and integrate NewPay online checkout on its website or mini program. Transactions and settlement can then be managed in one place.

11. How can merchants integrate with NewPay?

Merchants can contact the NewPay service team, submit basic materials and complete merchant onboarding review. After approval, NewPay will activate the appropriate payment products based on merchant type and provide payment QR codes, a merchant dashboard or API integration documentation.

The typical process includes submitting application materials, completing merchant review, signing a cooperation agreement, configuring payment products, completing testing or training, and going live for acceptance.

12. What materials do merchants need to prepare?

Merchants usually need to prepare basic merchant or company information, a business license or operating permit, and identity documents for the responsible or authorised person. They should also prepare store or business scenario descriptions, settlement account information and contact details.

If a merchant belongs to a special industry, NewPay may request additional materials according to compliance and risk-control requirements.

13. Can individual merchants use NewPay?

According to local regulatory requirements and business rules, NewPay can provide acceptance services to eligible micro merchants or individual operators.

NewPay encourages merchants to use real, compliant and verifiable operating entities and settlement accounts, reducing personal QR codes, third-party collection and non-standard acceptance behavior.

14. Does integrating NewPay require development?

It depends on the selected product. If it is in-store payment QR acceptance, complex development is usually not required and merchants can use it after onboarding.

If it is online checkout, app payment, API integration, automatic reconciliation or split settlement services, the merchant's technical team usually needs to integrate the system. NewPay can provide API documentation and technical support.

15. Which industries is NewPay suitable for?

NewPay is suitable for hotels, dining, retail, convenience stores, tourist attractions, travel agencies, transport, duty-free shopping, e-commerce platforms, ticketing platforms, online entertainment, digital services, public service payments and institutional cooperation scenarios.

Some high-risk or restricted industries require additional review. Eligibility depends on NewPay's compliance review results.

16. How does NewPay charge fees?

NewPay fees are usually determined based on merchant type, industry category, transaction scale, payment method, settlement currency, technical integration method and cooperation model.

Different wallets, card networks or partner banks may have different cost structures, so specific rates are subject to the signed merchant agreement or quotation.

17. When can merchants receive settlement funds?

Settlement cycles are determined by merchant agreements, payment methods, partner banks and risk-control requirements.

settlement T+1, T+2 or other settlement cycles. NewPay Merchant Dashboard, settlement

18. Which settlement currencies does NewPay support?

NewPay Merchant type, bank Rule, Support currency transaction settlement

For cross-border wallet payments, consumers usually pay with familiar wallets and local currencies, while merchants receive funds according to the settlement method agreed with NewPay.

19. How can merchants view transactions and reconciliation?

Merchants can view transaction records, order status, refund records, settlement records and reconciliation data through the NewPay merchant dashboard.

For large merchants or platform customers, NewPay can also provide more automated reconciliation through APIs, reconciliation files or system interfaces.

20. Does NewPay support refunds?

Support. Merchants transactionRule, NewPay Merchant Dashboardor API Initiate refund

Refunds may be full or partial. Availability, arrival time and processing rules depend on the payment method, wallet rules, transaction status and merchant agreement.

21. How does NewPay protect transaction security?

NewPay protects payment transaction security through merchant review, transaction monitoring, risk identification, permission management, abnormal transaction alerts and compliance review.

For high-risk transactions, abnormal transactions or suspicious merchant behavior, NewPay may take measures such as further review, delayed settlement, transaction restrictions or requests for additional materials.

22. Does NewPay review merchants?

Yes. NewPay conducts KYC / KYB review of merchants according to regulatory requirements, partner bank requirements and payment-channel rules.

Review may include merchant entity information, operating qualifications, actual business scenarios, settlement accounts, industry risk and transaction authenticity.

23. What types of businesses may be unable to integrate with NewPay?

Merchants involving illegal activity, fraud, money laundering, gambling, pornography, drugs, illegal finance, fake transactions or intellectual property infringement are generally unable to integrate with NewPay. This also applies to businesses with no real transaction background or other high-risk activities.

For regulatory-sensitive industries, NewPay may require additional supporting documents and conduct stricter review.

24. How does NewPay handle abnormal transactions?

transaction, NewPay

Measures may include reminding merchants, pausing related transactions, delaying settlement, requesting additional materials, disabling suspicious payment permissions or taking further action according to laws, regulations and cooperation agreements.

25. Does NewPay protect user and merchant data?

NewPay values user and merchant data security, and protects transaction data, merchant materials and account information according to applicable laws, partner bank requirements and internal security management systems.

NewPay is used by merchants and users for supported payment scenarios.

26. Can banks cooperate with NewPay?

Yes. NewPay can cooperate with banks in merchant acquiring, account settlement, virtual accounts, fund clearing, cross-border payments, risk compliance and fintech services.

The specific cooperation model can be designed according to bank qualifications, business goals and regulatory requirements.

View banks connected to NewPay

27. Can e-wallets connect to NewPay?

Yes. NewPay can act as a local payment infrastructure and merchant-network partner to help e-wallets expand acceptance scenarios in Laos.

Wallet partners can connect to NewPay's merchant network or related payment services through technical integration, commercial cooperation and compliance review.

View e-wallets connected to NewPay

28. Can platform merchants use NewPay?

Yes. NewPay can provide online checkout, split settlement, reconciliation, settlement, account identification and fund disbursement services for platform merchants.

Use cases include platforms, merchants, users and business-service scenarios.

29. Can government or public-service institutions use NewPay?

Yes. NewPay can provide payment acceptance and settlement support for eligible public-service scenarios, such as government payments, tourism services, utility payments, e-visas, transport and other public services.

Specific cooperation needs to be evaluated according to project nature, regulatory requirements and institutional processes.

30. How do consumers pay with NewPay?

Consumers can pay with the NewPay App or other supported wallets, depending on merchant-supported payment methods.

Consumers can scan a merchant QR code or show a payment code to the merchant, depending on the payment method.

31. How can consumers confirm a successful transaction after payment?

consumer wallet App Success or transaction

Merchants can confirm results in the NewPay merchant dashboard or by checking transaction order status.

32. What should I do if payment fails?

If payment fails, consumers should first check network status, wallet balance, payment limits and transaction information.

If payment still cannot be completed, contact the merchant or NewPay service team and provide the transaction time, merchant name, payment method and relevant screenshots for further checking.

33. Who should consumers contact for a refund?

Consumers should usually contact the merchant first, and the merchant will initiate a refund according to the order situation.

If payment status queries or technical issues are involved, merchants can contact the NewPay service team for assistance.

34. Does NewPay provide API documentation?

Yes. For merchants or partners that need system integration, NewPay can provide API documentation for payments, queries, refunds, callback notifications and reconciliation.

The available APIs depend on the partnership model and enabled products. Visit the Documentation Center.

35. Does NewPay support a test environment?

NewPay can provide a test environment or joint testing support for technical integration customers, helping merchants complete order creation, payment redirects, transaction queries, refunds and callback notification tests before launch.

36. Does NewPay support Webhook notifications?

Yes. For online merchants and platform customers, NewPay can push payment success, payment failure, refund status, settlement status and other information to merchant systems through asynchronous notifications.

field, signature security Rule, NewPay docs

Service Hotline

021-415949

email

business@newpay.la

Office address

Nongbone Road, Number 298, Unit18, Phonxay Village, Xaysettha District, Vientiane capital Laos

Merchant Application Entry

Apply as an Online Merchant or Apply as an In-store Merchant.