The Unified API for Cambodia's Banking Network
Baray Lab Co., Ltd. · A KOOMPI Project · 2026
"We route data — banks route money."
Powering payments across Cambodia's digital economy
Online stores accepting multi-bank payments at checkout.
Recurring payments from Cambodian customers.
Instant payment confirmation for ticket sales.
Hotels, restaurants & services accepting deposits.
Platforms like Riverbase powering 100+ SME storefronts.
Fundraising and contributions via any bank.
Zero-liability, non-custodial flow
End-to-end encrypted payloads. TLS 1.3 in transit.
Instant confirmation via WebSocket & callbacks.
Funds flow directly from customer to merchant account.
Redundant infrastructure with real-time monitoring & alerting.
| Method | Description |
|---|---|
| KHQR | National QR standard — any banking app |
| Card | Visa / Mastercard via bank partners |
| Deeplink | One-tap redirect to mobile banking |
| Mobile Wallet | In-app payments (Wing) |
| Alipay / WeChat | Cross-border payments (via ABA) |
| Google Pay | Digital wallet (via ABA) |
Minimum: $0.03
Minimum: 100 KHR
● Production — Live payments
● Testing — Sandbox testing
NBC-licensed banks integrated today
Every new bank partner instantly reaches all Baray merchants — zero extra integration for either side.
Auto-onboard all Baray merchants. No individual integrations needed.
Your bank appears on every Baray-powered checkout.
Non-custodial. Funds flow directly to you. Technical layer only — no financial liability.
Single API integration. We adapt to your existing protocols.
Reach tech-savvy merchants and e-commerce businesses.
Not a competitor — a distribution channel driving merchants to your services.
Extending Amret's digital reach into Cambodia's e-commerce ecosystem
Full-featured management for merchants and admins
Real-time monitoring, bank distribution, and revenue trends.
Credentials for dev, UAT & production. Auto-lock with password protection.
Toggle payment methods per bank. Easy new bank onboarding.
Filtering, search, date ranges. Excel (XLSX) export.
Built-in docs with Node.js, Python & PHP samples.
Cambodia's sports & lifestyle platform powered by Baray
PPC FC · ISI FC · BKF FC · AKT FC · RCAF FC · FFC
Interclub
Pilates · Yoga · Pickleball · Running · Events & more
E-commerce platform powering 100+ SMEs with Baray payments
Riverbase.org is a digital commerce platform built for Cambodia — like Shopify for local businesses. Storefront, inventory, orders, marketing, and payments in one place.
One API — open to all banks, platforms & tech startups
End-to-end encryption. TLS 1.3 in transit.
Never holds funds. Direct bank-to-merchant settlement.
All processing by regulated bank partners.
No card data, PAN, PIN or CVV collected.
Bank-siloed data. No cross-bank exposure.
Full transaction logging & export.
Software-only layer — outside NBC financial licensing scope. Banks handle all funds.
Small fee per transaction — zero cost to banks
Optional co-marketing arrangements
Banks get instant merchant access with zero integration cost.
Join ABA, ACLEDA, Sathapana & Wing on Cambodia's unified payment network. Every new partner instantly reaches all Baray merchants.
Backed by KOOMPI — Cambodia's open-source technology company building local-first digital infrastructure since 2018.
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A KOOMPI Project
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