BCEL OneBCEL's mobile banking app, available on the App Store and Google Play. In Laos, the app layer of payments has stayed with banks rather than fintechs. The bank publishes no usage figures, so the app's reported dominance cannot be measured.BCEL (Banque pour le Commerce Extérieur Lao, which distributes the app under the BCEL One brand.)
Global registry · Asia-Pacific · Southeast Asia
Laos Payment systems
3 systems listed.
This country doesn’t have a written market analysis yet: e-commerce shares, regulator, and key players are still to be documented. The systems below, however, are verified.
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Payments in Oceania and CanadaPayments in Central AsiaPayments in South Asia outside IndiaPayments in Southeast AsiaPayments in Japan and KoreaPayments in Malaysia and SingaporeAccepting payments in Australia and New ZealandAccepting payments in Indonesia and ThailandAccepting payments in Japan and South KoreaAccepting payments in Southeast AsiaPayments in Asia: super-apps, public rails, and cross-border QROpening a new market: the payments playbook
Wallets
Interoperable QR
LAO QR (One QR)Laos’ national QR standard, which incorporated UnionPay specifications in late 2024 so that Chinese tourists can pay. A small market but very open to cross-border payments, which makes it an underrated regional entry point.LAPNet / Bank of the Lao PDRVietnam link open to 7 Vietnamese banks and 14 Lao banks (NAPAS / LAPNet)
Acquiring and processing
LAPNet (Lao National Payment Network)Operator of the Lao national switch and QR standards, and a signatory to the cross-border QR agreements (Cambodia 2023, Thailand 2024, UnionPay/China on December 19, 2024, Vietnam launched in January 2025). It has opened its network to nonbanks: MmoneyX became the first e-wallet connected, on July 2, 2025.Lao National Payment Network Co. Ltd (under the Bank of the Lao PDR)