Unified financial and payment infrastructure for cross-bank digital transmission of trade and payment data to enhance end-to-end business processes.

What is PromptBiz?


PromptBiz, an open infrastructure for transmitting trade and payment data, accommodates businesses who are looking to digitally transform their processes. Leveraging the ISO 20022 international message standard, PromptBiz facilitates with electronic delivery of invoices through to billing, payment, and issuing e-Receipt. The digital footprint created can present an opportunity for the SMEs to have better access to finance.


PromptBiz services

Pain point & Benefit

promptbiz-pain point-benefit

Cooperation from relevant stakeholders

• Public sector and other agency


• Financial sector

pilot bank

• Business sector and others

pilot business

Q&A on PromptBiz

1. What is PromptBiz?

PromptBiz is a unified financial infrastructure for cross-bank digital transmission of trade and payment data in business processes. The digital footprint of e-Invoices, transactions, and e-Receipts can be used when requesting for financing.

2. Which services are available under the PromptBiz system?

In the first phase of implementation (starting from August 2023), PromptBiz offers two main services including:

Digital Trade and Payment is a service for sending and receiving trade documents in electronic form such as e-Invoice and e-Receipt and paying for these invoices via Bulk Payment (formerly known as SMART, a cross-bank transfer service).

Digital Supplychain Finance is an extended service built on the Digital Trade and Payment feature. It utilizes trade transactions from the PromptBiz system, which have been verified for authenticity and double financing, as supplementary documents to apply for invoice factoring/financing. This would increase the chance for SMEs to access easier and faster sources of finance, with competitive loan terms compared to conventional revolving loans.

​3. How is PromptBiz beneficial to each economic sector? 

PromptBiz is holistically beneficial to the economy, including the business sector, financial sector, and government sector. It is an essential driver for economic growth.

• Benefits to the business sector

     1. Increase efficiency and reduce errors in business operations by reducing manual processes, verifying transactions, and allowing cross-bank transfers. This will help increase the competitiveness of the Thai business sector.

     Seller: Increased convenience in delivery of e-Invoice and e-Receipt, more efficient data management, and no obligation to own accounts in every bank to accommodate buyer’s specifications.

     Buyer: Pay alert when receiving e-invoice and prompt generation of e-receipt after payment

     2. Reduce operating costs especially ordinary expenses such as paper expenses, document storage & delivery costs; as well as other hidden opportunity costs e.g. wages, and time. Additionally, carbon footprint can also be reduced.

     3. Increase the chance for SMEs to assess sources of finance by providing a trusted digital footprint of trade and payment transactions, which can be used as a supplementary document for loan applications. This digital footprint facilitates the loan application process as transactions are authenticated and checked for double financing. 

• Benefits to lenders/financial providers

Raise the efficiency of services and increase business opportunities by enlarging the trade and payment database as well as customer base, reducing credit risk by using trusted information, expanding the range of services, and developing new financial or payment innovations (e.g. information-based lending) by utilizing the PromptBiz infrastructure, responding to needs of digital businesses in the future.

• Benefits to government sector

Increase efficiency of government processes and support Digital Government policy through digitalizing procurement and payment processes. The government can utilize digital information for developing and formulating government policies that are more targeted for the next period e.g. measures to promote the business sector to digital systems.

4. Benefits or support provided to businesses by financial institutions and government agencies to facilitate the change of systems for the adoption of PromptBiz:

• Subsidies on platform development and software usage by SMEs:

  o Under the Business Development Service (BDS) scheme, the Office of Small and Medium Enterprise Promotion (OSMEP) provides businesses a subsidy of 50,000-200,000 baht for software development.

  o Under the mini transformation voucher scheme, the Digital Economy Promotion Agency (DEPA) provides each business a one-off 10,000 baht subsidy for software development, given certain conditions are satisfied and checks are conducted.

• Businesses investing in or using electronic Tax Systems (e-Tax invoice/e-Receipt or e-Withholding Tax) are eligible to claim a double deduction of corporate income tax from their incurred expenses according to the conditions set by the Revenue Department. Consequently, e-Tax invoice/e-Receipt and e-Withholding Tax can be transmitted through the PromptBiz system for invoice presentment and payment.

• Pilot banks (KTB, BBL, BAY, KBANK, and TTB) do not charge service fees for PromptBiz until the end of 2024.

5. What are the conditions and detailed measures for supporting SMEs on system development costs/software costs?

SMEs interested in PromptBiz but require upgrading or employing a new software for the digital transmission of trade information and payment services, to connect to the PromptBiz system, are eligible to apply for financial support via government policies as follows:

• “SME Pang Tung Dai Keun”, a scheme to help SMEs through OSMEP’s Business Development Service (BDS) system, provides subsidies for software development and procurement. OSMEP consolidates a list of DEPA-certified software providers which are PromptBiz compatible, for SMEs to select services appropriate for their business. OSMEP will facilitate a copayment of 50-80% depending on the size of the business.

SMEs segment 

Conditions on SMEs revenue



not exceeding 1.8 million baht/year 

OSMEP subsidizes 80% (Not exceeding 50,000 baht)


manufacturing sector: not exceeding 100 million baht/year
other sectors: not exceeding 50 million baht / year

OSMEP subsidizes 80% (Not exceeding 100,000 baht)


manufacturing sector: not exceeding 500 million baht 
- other sectors: not exceeding than 50 million baht 

OSMEP subsidizes 50% (Not exceeding than 200,000 baht)

• DEPA's mini transformation voucher, a scheme where SMEs can choose to purchase software or services from digital providers registered with DEPA, allows application for a subsidy (maximum of 10,000 baht) using receipt and proof of payment for purchased amounts.

6. Which service providers are currently offer the service?

In the first phase starting from 29 August 2023, there are 5 pilot banks, namely KTB, BBL, BAY, KBANK, and TTB. Businesses can select any bank for each service. During 2024, SCB will join as a service provider, and other banks / non-banks in the latter phases.

​7. How should interested businesses prepare and apply for using the PromptBiz services?

Businesses can consult the pilot bank’s corporate services and relationship manager, or Bank of Thailand (BOT) via 1213 for advice on adapting their current operational system to cater to electronic transactions.


8. Must all trade and payment data be processed only through the PromptBiz system after the business onboards?

No, it is not mandatory. Businesses can use PromptBiz alongside current operational processes. During the full transition to PromptBiz, the operation of two systems, paper-based and electronic procedures, can be managed through Enterprise Resource Planning (ERP).

9. How would businesses verify the PromptBiz membership of their partners?

Businesses can verify through PromptBiz service providers (financial institutions) or the centralized database of PromptBiz operators.

10. If our business partner has not yet joined PromptBiz, will we be able to transact on this open infrastructure?

Both parties (buyer and seller) are required to join the PromptBiz system. Hence, to avoid operating two systems (the current system and PromptBiz), businesses are encouraged to invite their trading partners to be part of PromptBiz. 

11. Could invoicing banks and billing banks be different banks?

Yes, they can be different. Both buyers and sellers can use PromptBiz services with different banks.

12. How reliable and secure of the PromptBiz system?

NITMX (National Interbank Transaction Management and Exchange), the central operator of PromptBiz services, operates under the supervision of the Bank of Thailand. It warrants security and international information system standards compliance, both in normal and emergency situations. Participating banks are prepared for communication and complaint handling in case of system issues.

13. What will be the change and cost for businesses that are interested in using PromptBiz?

Businesses are eligible to use PromptBiz through a variety of channels including commercial banks’ web portals or partnered software/ERP mainly providing e-invoicing or e-payment services according to the system adjustment costs.

14. How corporate bank will charge for the PromptBiz service?

Pilot banks (KTB, BBL, BAY, KBANK, and TTB) will not collect service fees for PromptBiz until the end of 2024. Thereafter, payment fees will vary from bank to bank according to their conditions, which will be announced later.

Related videos

PromptBiz: Bringing Business and Financing up to the Next Level

21 Sep 2023

Panel Discussion - PromptBiz: Bringing Business and Financing up to the Next Level

21 Sep 2023

PromptBiz จะเป็น Game Changer ของภาคธุรกิจไทย? | Wealth Me Up

20 Sep 2023

ธปท.ประเมินการใช้ “พร้อมบิซ” สิ้นปี | ย่อโลกเศรษฐกิจ 18 ก.ย.66

18 Sep 2023

PromptBiz : ระบบ Digital Payment สำหรับภาคธุรกิจ

02 Mar 2023

การวางระบบเพื่อสร้างพลังบวก : Smart Financial and Payment Infrastructure for Business

17 Feb 2022

Media Briefing : โครงการ Smart Financial and Payment Infrastructure for Business

09 Dec 2021

PromptBiz service providers

Financial institutionContact information
Bangkok Bank

telephone: 0 2031 7888

Krungthai Bank

telephone: 0 2111 9999 (every working day (Monday-Friday) in 08:00 - 19:00)

Bank of Ayudhya (Krungsri Bank)

telephone. 0 2626 2626 press 0 and 3

Kasikorn Banktelephone: 0 2888 8822
TMBThanachart Banktelephone: 0 2643 7000
Siam Commercial Bank*(coming soon)

Note service will be launched in 2024


List of system implementor

NameContact information
Krungthai Bank

telephone: 0 2111 9999 (every working day (Monday-Friday) from 08:00 - 19:00)

Kasikorn Bank

telephone: 0 2888 8822

Bank of Ayudhya (Krungsri Bank)

telephone. 0 2626 2626 press 0 and 3


(Coming soon)

PromptBiz message standard format - 2565

Electronic message structure

for PromptBiz system