SEA: share of A2A payments by country 2025| ��ƽ��

Share of account-to-account (A2A) payments in e-commerce and point-of-sale (POS) transaction value in Southeast Asia in 2025, by selected country

Characteristic	E-commerce	POS
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Release date

March 2026

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Region

Asia, Indonesia, Malaysia, Philippines, Singapore, Vietnam, Thailand

Survey time period

2025

Supplementary notes

Account-to-account (A2A) payments are digital payment transactions made directly between two parties, including bank transfers (push payments) and direct debits (pull payments). These payments are frequently processed using real-time payment networks.
E-commerce transactions here refer to online purchases of goods and services by consumers from businesses through the internet, regardless of the device or app used. Figures represent consumer-to-business (C2B) transactions only, excluding business-to-business (B2B), person-to-government (P2G), and transactions involving motor vehicles, real estate, rent, investments, tuition, utilities, or other bill or loan payments, including installments.
Point-of-sale (POS) transactions here refer to consumer-to-business (C2B) transactions conducted at a physical point of sale, including traditional in-store purchases and any face-to-face commerce, regardless of location. Payments that involve internet use during in-person interactions—such as those made through QR codes—are categorized as point-of-sale, not e-commerce.

Citation formats

In 2025, account-to-account (A2A) payments accounted for ** percent of e-commerce transaction value in Thailand. In comparison, A2A payments accounted for around **percent of e-commerce payment value in Singapore that year.