CAPABILITIES

Capabilities

Connect local and cross-border payment methods through one platform spanning payment integration, online and in-store acceptance, merchant services and fund flows.

NewPay brings developer integration, transaction processing, operations management, reconciliation and fund movement into one platform, helping merchants, institutions and partners manage business and funds more reliably.

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4Core Capabilities

50+payment network wallet

20,000+Local merchant service foundation

Capabilities

Four core capabilities across payments and fund flows

From payment integration and online or in-store acceptance to merchant operations and fund movement, NewPay unifies essential capabilities in a platform designed to integrate, operate and scale.

Capability 01

Payment Gateway

1Standard Checkout / API Suite
A streamlined, standards-based developer toolkit that embeds leading global payment capabilities into your business flow with just a few lines of code. It supports core processes including order creation, payment-status queries, asynchronous notifications and refunds, with H5 / Web checkout, API and SDK integration options that help shorten development and launch cycles.
2Cross-border FX & Settlement
Lock in exchange rates in real time, reduce exposure to currency fluctuations in international transactions, and access competitive multi-currency FX and settlement services. Depending on their operating needs, merchants can withdraw to local bank accounts in Laos or remit funds to designated bank cards in China, Malaysia, Vietnam, South Korea, Thailand and other supported markets, balancing local operations with cross-border fund use.
3Merchant Workspace
A configuration centre for enterprise clients and developers, with API key management, IP allowlisting and related controls. Merchants can centrally maintain business parameters, interface permissions and callback addresses, helping technical, finance and operations teams coordinate integrations across multiple stores and business lines.
4Transaction Risk Controls
Bank-grade data protection with millisecond response times to intelligently identify and intercept anomalous or fraudulent transactions. The system evaluates device, account, order and transaction-behaviour signals in real time, with risk alerts and handling records that help merchants reduce operational exposure.

Capability 02

Acceptance Solutions

In-store (Static QR)

1Unified Payment QR
A lightweight acceptance tool that uses one QR code for local payment networks and leading global wallets, with no additional hardware cost. Ideal for market stalls, small food vendors and small-to-medium convenience stores.
2Dynamic In-store QR
Generate an order-specific QR code with the exact amount on the checkout screen. Customers scan and pay, reducing missed or incorrect payments. Suitable for chain supermarkets and branded restaurants with an ERP or POS system.
3Customer Code Scanning
Cashiers use a barcode scanner or smart POS to scan the customer’s payment code and complete payment quickly. Designed for high-throughput quick-service restaurants, beverage stores and large duty-free retailers.

Online (Dynamic QR)

1H5 / Web Hosted Checkout
A hosted, highly encrypted payment page requiring minimal development. Customers are redirected to pay and automatically returned after completion. Suitable for airline websites, hotel booking platforms and small-to-medium web stores.
2API & SDK
Customisable online payment components that can invoke local wallets and international payment apps directly, delivering a smooth native experience inside a merchant’s mobile app or mini program.

Capability 03

Merchant Services

1Web & Mobile Merchant Tools
Monitor multi-store operations from anywhere. Use the desktop workspace for complex finance tasks and the mobile app for day-to-day store management.
2Account & Access Control
Define clear functional and data permissions to help protect funds and business information.
3Campaign Tools
Use built-in digital marketing tools to configure threshold discounts, price reductions and other promotions that support business growth.
4Membership & Loyalty
Build owned customer relationships by linking membership identity to payment activity, enabling customers to earn points as they pay.
5Smart Reconciliation
Automatically match orders, payment status and fund flows to reduce manual work and improve finance efficiency across multiple stores.

Capability 04

Funds Collection & Disbursement

1Automated Split Settlement
Designed for platform businesses. After a transaction is received, the system automatically calls the API to distribute funds to multiple accounts according to preset ratios.
2Payroll Disbursement
Enable multinational companies and large local factories to pay employee salaries in bulk and move funds efficiently.
3Cross-border Remittance
A compliant and efficient channel for international fund transfers, helping overseas workers send earnings home and trading companies pay international suppliers.
4Virtual Accounts
Dedicated virtual fund accounts for enterprise clients, supporting precise master and sub-account management and collection.

Capability Matrix

Capabilities

NewPay is not a single payment-channel agent. It is payment infrastructure connecting acceptance entry points, transaction processing, fund management and merchant operations.

Unified Integration

One integration supports in-store QR stands, dynamic QR codes, online checkout, APIs and institutional cooperation scenarios.

payment gateway / API /

Payment Methods

Support acceptance and expansion for local users, cross-border visitors, mainstream e-wallets and card networks.

Wallet networks / UnionPay / local payment networks

Transaction Management

Provide order queries, payment status synchronization, refund processing, callback notifications and business-code management.

order / refund / Callback notifications

Fund Settlement

Support the clearing, settlement, split-settlement and reconciliation flows required by merchants, platforms and institutional customers.

settlement / automated reconciliation

Risk and Compliance

AML, anti-fraud, transaction Merchant risk scoring

AML / anti-fraud /

Operating Growth

Improve merchant operating efficiency through the merchant dashboard, member points, campaigns and service support.

Merchant Dashboard /

Use Cases

Serving multiple payment and cooperation scenarios

Product capabilities support everyday merchant acceptance as well as banks, wallet partners, institutional customers and public-service scenarios.

In-store Scenarios

In-store Merchant Acceptance

For dining, retail, hotels, attractions and service businesses, using QR codes and the merchant dashboard for acceptance, refunds and reconciliation.

Online Scenarios

Online Platform Payments

Provide online checkout, payment APIs, callback notifications and order-status synchronization for websites, apps, mini programs and platform merchants.

cross-border

Connect cross-border wallets and mainstream payment methods to help merchants better serve visitors to Laos and international customers.

institution

bank institution

Provide cooperation solutions for banks and institutional partners around account identification, settlement, fund clearing and local payment networks.

payment network

Wallet and Payment Network Cooperation

Support local and cross-border e-wallets connecting to the NewPay merchant network, with unified rules for transaction and service experiences.

Public Services

Government and Public Service Payments

Provide stable, traceable and reconcilable payment infrastructure for public payments, service counters and institutional collection scenarios.

Want to explore NewPay by business scenario?

View NewPay solutions for merchants, platforms, banks, wallets and public-service institutions.

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Developer Integration

Stable integration capabilities for developers

NewPay provides integration capabilities such as order creation, order queries, refunds, callback notifications, signature verification and business status codes. Merchants can choose online checkout, API integration or in-store acceptance based on their scenario.

For banks, wallets and institutional partners, NewPay can provide technical integration and operational support that better matches business flows within a compliant framework.

View Documentation Center Apply for Technical Integration

NewPay API Support fast integration

PAYMENTOrder creation, checkout payment, QR payments and status synchronization.
REFUNDSupport refund requests, refund status queries and exception handling.
QUERYQuery transaction records by order number, merchant ID and time.
CALLBACKSynchronize payment, refund and settlement statuses through callback notifications.
SIGNSignature verification rule, API
SETTLEReconciliation, clearing and settlement data capabilities for merchants and institutions.

Security & Compliance

compliance, risk control

NewPay's product system is built around local compliance, payment security, transaction identification and merchant management, helping partners expand payment services within a controlled framework.

Localized compliance support

Provide payment-service support adapted to local operating conditions in Laos, aligned with merchant service needs and partner institution requirements.

AML anti-fraud

anti-money-laundering, anti-fraud transaction

Merchant risk scoring

Use merchant materials, transaction behavior and abnormal patterns to help identify high-risk merchants and suspicious transactions.

automated reconciliation

Help merchants and institutions match orders, payment statuses, refunds and settlement flows more clearly.

Permission and operations management

Support the merchant dashboard, staff permissions, store management and service-process records to reduce operational risk.

Exception Handling

Provide clear service paths for payment failures, refund exceptions, callback delays and error handling.