Personally, I believe this is a chicken and egg problem. Lack of a good way to accept online payment is partly the reason why online services here couldn't take

Personally, I believe this is a chicken and egg problem. Lack of a good way to accept online payment is partly the reason why online services here couldn't take off as fast as they should, and that in turn caused the lack of pressure for innovation in the space you speak of. However, with the recent stories of Ookbee and Stock Radars, or even how Uber becoming a real threat to Taxis, I'm sure the demand is only growing larger and larger, even more so now that prepaid cards are really easy to get (you can buy one at 7-11). If the payment experience is good enough that it increase sales, people might eventually quit bothering about the fees. So to me, the missing link right now seems to be a payment gateway. I have been working with Omise under contract for a while (I'm omise-python[1] maintainer). I'm not sure to what extent I'm allowed to speak about the plans, so I can't really answer your question (sorry). In my opinion, I'm really glad that Omise is tackling the payment gateway problem. Especially how nearly all other players in Thailand require redirection to their payment page to accept payment (some even require successful redirect back to merchant's callback url to finish a transaction) having someone who say "you hate that redirect? we too!" is really reassuring. [1]: https://github.com/omise/omise-python https://github.com/omise/omise-python