National standard
Built on LAO QR, the local standard accepted across daily merchants.
Works in Laos today (LAO QR)
Built to expand across Southeast Asia next
Pay like a local in Laos. From your card to every LAO QR code.
LOCA PAY is a payment facilitator service inside the LOCA app. Link your card once, scan any LAO QR, and go. Skip cash. Keep it secure. Move fast.
A practical option for travelers who do not want to open a local bank account.
- Coverage
- Any LAO QR code
- Banks on LAO QR
- 15+ banks
Core promise
Link card once, scan, and go. Avoid cash. Stay secure.
Laos Today
LAO QR is Laos’ national QR payment standard, used by 15+ banks. With LOCA PAY, you can scan and pay any LAO QR code directly from your credit or debit card in the LOCA app.
Wide banking network
15+ banks already participate in the LAO QR ecosystem.
Any LAO QR
One scan flow for street shops, cafes, rides, and more.
ASEAN availability
Built for Laos today. Designed to scale across Southeast Asia next.
Live now: Laos
Brunei
Next
Cambodia
Next
Indonesia
Next
Laos
Available
Malaysia
Next
Myanmar
Next
Philippines
Next
Singapore
Next
Thailand
Next
Vietnam
Next
“Next” indicates roadmap intent only. Live coverage is currently Laos (LAO QR).
How it works
Link card once. Scan. Confirm. That is it.
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Step 1
Link your card
Add your preferred credit or debit card securely in the LOCA app.
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Step 2
Scan any LAO QR
Use your camera in-app to scan merchant LAO QR codes nationwide.
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Step 3
Confirm and pay
Review the amount and confirm payment in seconds.
Supported cards and wallets
Use the payment method you already trust.
- VISA
- MasterCard
- American Express
- JCB
- UnionPay
- Apple Pay
- Revolut
- Wise
- TrueMoney MasterCard
Transparent fee
3% + 5,000 LAK
Per transaction. Fees subject to change.
Trust and settlement
Payments settle instantly with support of Joint Development Bank. You can move through Laos with less cash and more control.
Instant settlement
Pay in seconds after you confirm.
Card-first travel
Designed for everyday spending where QR is king.
Southeast Asia Next
Today, LOCA PAY works in Laos through LAO QR. Next, the vision is to expand across Southeast Asia so paying like a local feels just as simple wherever you go.
Roadmap only. Live coverage is currently Laos.
Ready to pay like a local in Laos?
Download LOCA and start using LOCA PAY in minutes.
FAQ
Quick answers before your first scan.