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API (Application Programming Interface) is a service or a channel used to connect and exchange data, enabling convenience, speed, and security. The working principle is simple: the Client (various applications) sends a request to the API. Once the API receives the data, it processes it and sends the resulting information back to the Client. According to the definition of API mentioned above, the term Open API refers to a publicly available service that allows developers to connect immediately. It also supports development in multiple programming languages.User Guide
📄 User Guide
User Manual Document Download .PDFSystem Integration Document (API Document)
Online Direct Debit Integration Document (API Document)
Thai.PDFApplication for testing payment channels including QR Code, Counter Bill Payment, ShopeePay, SCB Easy App, KMA, Bualuang mBanking, Krungthai Next, and Paotang Pay (Supported only on Android OS version 4.4 and above)
Download ChillPay DemoPrivacy Policy
Privacy Policy
PraIn FinTech Company Limited (meaning PraIn FinTech Company Limited, including products that that the Company provides, such as ModernPay, ChillPay, or any other products that will be available in the future), hereinafter referred to as “Company”, has created Personal Data Protection Policy in order to inform you, the User or the Merchant who are using the Company’s services, hereinafter referred to as “User” or “Users”, the scopes and methods that the Company uses to collect, store, as well as access and manage the information that Users provide to the Company in according to the Personal Data Protection Act, B.E. 2562, herein after referred to as “PDPA”. By agreeing to use the Company’s services, Users shall be deemed to have understood, agreed, accepted, and agreed to comply with the Company’s Privacy Policy and consent to the collection of Personal Data. You may study the Privacy Policy on the Company’s website: https://www.chillpay.co The Company may change or update the Privacy Policy in the future. Therefore, the Company advises the User to often review the updated information and Privacy Policy. User’s Personal Data will not be collected, disclosed, published, or used for any other purposes other than the purposes that the Company has informed the Users, unless the Company receives a consent from the User or otherwise required by law.Types of Personal Data Collected by the Company
To comply with the PDPA, the Company is oblieged to obtain the consent for the Company and/or the Company’s Personal Data Processors and/or government agencies and/or the private sectors to collect, use, or disclose your personal data in compliance with the laws. The Company will collect User’s information or data (collectively referred to as “Personal Data”) as follows:- Information on ID card or passport or any other documents issued by the government, such as name, surname, title, identification number, passport number, etc.;
- Personal identifications, such as marital status, Biometrics information;
- Registered address and current address, including User’s current location;
- Information regarding education or work;
- Necessary information required for contacting User, such as current addresses, phone numbers, emails, etc.;
- Financial information, such as records of transactions via ModernPay and ChillPay, or any other services provided by the Company, credit card information, bank account information, savings account information, e-Wallet information, and any other information of the banks or financial institutions that the User currently retains;
- Information regarding products or services of which the User has transactions with the Company;
- User’s specimen of signature;
- Information regarding the devices used for obtaining the Company’s services, such as computers, mobile phones, Point of Sales machines, including Unique Device Identifier numbers, IP addresses, information regarding devices’ operating systems, mobile network operators, locations, cookies;
- Any other information specified in the Service Agreement or necessary information required for inspection and operations.
Purposes of Collecting Personal Data
The Company shall collect, use, or disclose User’s personal data according to the law and for the following purposes:- For the implementation of User’s requests before entering into an agreement, including the necessity of an execution of the agreement of which the User is a contracting party, including but not limited to:
- Consideration of registration requests for the use of products and services provided by the Company, such as ModernPay, ChillPay, or any other products that will be available in the future;
- Customer supports, information supports, accept of requests, receive of information, or inquiries regarding services;
- Development, improvement of services, enhancement of service efficiency, and facilitation for Users;
- Data processing in order to provide services or any other actions necessary to provide the best services from the Company.
- For the compliance of laws, rules, regulations, practices, or guidelines issued by the relevant regulatory authorities, such as the Bank of Thailand and the Anti-Money Laundering Act. The Company may submit your personal data to internal and/or external audits, government agencies, or any relevant juristic persons according to the Procedures of Know Your Client (KYC) or Client Due Diligence (CDD) under the Anti-Money Laundering Act.
- For the purposes of receiving news, information, marketing and promotions, or special offers regarding benefits, products, and services. Or for the purposes of collecting and using such information for statistical studies, researches, data evaluation, or for management of business purposes of the Company, Company’s business partners, or Company’s affiliates. Including any other purposes that the Company deems to be beneficial to the Users. The Users agree and allow the Company to verify, and/or exchange information, and/or disclose such information to any persons and/or juristic persons, including affiliate companies and/or any other persons who have entered into a Data Protection Agreement with the Company. In doing so, Users shall not be able to claim or request any compensation from the Company.
- For prevention of crimes and frauds, including system and network security according to international standards.
Methods of Data Collection
The Company shall collect personal data during the process of registration for services or during the usage of Company’s services.Period of Data Collection
The Company shall retain such data throughout the service period or until the services are terminated. The Company may retain the data thereafter if it is stipulated by law, such as Anti-Money Laundering Act. Or for the purpose of verifying and examining in the event that any disputes may arise, within the statute of limitation but not exceeding 10 years.Disclosure of Personal Data
The Company shall not disclose any personal data to the third parties, or allow the third parties to do so, unless:- It is to comply with the provisions of law or court order, or when the Company has been notified to investigate fraudulent transactions from the persons related to such services or the customers.
- It is a disclosure of such data to the staff, employees, directors, or advisors who are related to such services.
- The Company receives a consent from the owner of personal data or the owner of such data requests to disclose the information.
- It is a disclosure to the auditors, Company’s external audits, government agencies, assignees, and persons or juristic persons whom the Company is required to provide personal data for the purpose of legal compliance.
- It is a disclosure to the juristic persons which have the power over the Company or under the control of the Company, including the companies that are under the same governance of the Company, or any other persons who are Company’s business partners or have any legal relations to the Company, including any other service providers who have the authorities to process personal data of their service users, domestically and internationally. Such as external service providers, financial institutions, or any other business partners of the Company.
- It is the assignee of the Company in the event of a merger or acquisition, transfer of ownership of assets and/or business, in whole or in part.
Exercise of Right to Delete or Amend User’s Personal Data
In order to comply with the regulations prescribed by laws, such as the Anti-Money Laundering Act or the policies of the Bank of Thailand, should the User wish to delete or amend his/her own personal data, and such cause of action is against the regulations prescribed by other laws, the Company will not be able to delete such information. As stipulated by relevant laws, the Company, as a data receiver or a Personal Data Processor, is required to detain the personal data for the period of 10 years.Security of Your Data
The Company acknowledges and is aware of the importance of User’s personal data. The Company has therefore improved and developed the security system for your personal data to be in accordance with international standards. The Company shall do its best to comply with this Privacy Policy. The Company shall emphasize its staff, including its Personal Data Processors who are authorized to access User’s personal data or have legal liabilities, to maintain the security of User’s personal data. However, in the event that User’s personal information has been compromised by any means, such as cyber espionage by hacking, stealing, copying, destroying the database, deleting passwords, stealing of documentation, or any other means that do not performed by the Company, or loss of information due to force majeure or any other actions that do not performed by the Company, the Company has the right to deny any responsibilities resulting from such actions.Language
The translation of this Privacy Policy, whether translated into any languages, is only to facilitate your convenience. The Company has no intentions to change or modify its Personal Information Protection Policy. In the event of a conflict between the Thai edition and any other languages, the Thai edition shall prevail over other editions.Notification of the Breach of Personal Data
In the event that there is a breach of User’s personal data, the Company, at its best efforts, will inform the Office of the Personal Data Protection Committee immediately within 72 hours after the acknowledgement of such breach. Should the breach be likely to highly affect the rights and freedoms of the Users, the Company shall immediately inform such breach and the remedies to the Users through various channels, such as website, SMS, email, phonecall, or postal letter, etc.User’s Rights Regarding Personal Data Management
Should the User have any concerns regarding this Privacy Policy, or wish to change or amend any personal data which User has provided to the Company, please contact the Company via email: dpo@chillpay.co, or via phone call: 02-107-7788 during Company’s business hours.Terms and Conditions
Terms and Conditions for Electronic Payment Service
Welcome to the ChillPay electronic payment service. These terms and conditions (the “Terms”) apply to users of the electronic payment service for receiving payments for goods and/or services, provided under the trade name ChillPay (“ChillPay”) or any other name designated by the company. Hereinafter, such users shall be referred to as the “Service Applicants.” By using this service, Service Applicants agree to be bound by and comply with the terms and conditions of the electronic payment service of PraIn FinTech Co., Ltd. (the “Company”).Definitions
- “Service Provider” or “Company” refers to PraIn FinTech Co., Ltd.
- “Service Applicant” refers to the owner and/or business operator or any legally entitled entity engaged in the sale of goods and/or services who wishes to use the Company’s electronic payment service to receive payments for goods/services.
- “Customer” refers to an individual or legal entity that is a customer or service user of the Service Applicant.
- “Electronic Payment Service” refers to the Company’s service for accepting payments for goods/services from customers on behalf of the Service Applicant through electronic channels, including online payments via websites, applications, or other electronic media connected to the Company’s payment system.
Successful Verification
Upon successful verification, the Company will provide the Service Applicant with a contract for execution, either in physical form or electronically (e.g., via DocuSign). Any funds received during the verification process will be withheld until contract signing is completed. Once the contract is fully executed, the Company will transfer the received payments to the Service Applicant on the next business day (T+1), except in cases of system failures or unforeseen circumstances, in which case payments will be processed on the next business day.Unsuccessful Verification
In the event that the documents of the Service Applicant do not pass verification, the Service Applicant acknowledges and agrees that (a) The Service Provider may immediately terminate the electronic payment service without prior notice. (b) The Service Provider or the coordinator of the Service Provider (as the case may be) will notify the Service Applicant in writing of the verification results through the contact channels provided to the Service Provider. (c) The Service Provider will deduct the service fees for the electronic payment service based on the actual usage by the Service Applicant before transferring the funds received from customers for goods/services back to the Service Applicant within thirty (30) business days from the date the Service Provider notifies the Service Applicant of the verification results as per (b). The Service Applicant further agrees and acknowledges that, under any circumstances, in the event of any damage or claims arising from the use of the electronic payment service, the Service Applicant waives all rights to make any claims whatsoever, including but not limited to compensation for damages or the right to take legal action, whether civil or criminal, against the Service Provider, in whole or in part.Incomplete Documentation
If the submitted documents are incomplete, the verification team will request additional documentation. If the required documents are not provided within 15 days of notification, the Company reserves the right to terminate the service without prior notice. The Service Applicant acknowledges and confirms that they have read and fully understood the terms and conditions set forth herein, including any attached documents (if any). The Service Applicant further agrees to regularly review the terms of service. If there are any inquiries regarding the service, they may contact us at 02-107-7788 or via email at customersupport@chillpay.co during the company’s business hours.General Terms
- The Service Applicant agrees to comply with and be bound by the terms of service. The use of the Electronic Payment Service by the Service Applicant shall constitute acceptance of these terms of service. The Service Provider may amend or supplement the terms of service without prior notice to the Service Applicant, except in cases where such amendments have a significant impact on the Service Applicant.
- The Service Applicant agrees to be bound by the Service Provider’s terms of service, both those currently in effect and any amendments, modifications, or additions that may be announced in the future. The Service Provider shall notify the Service Applicant in advance through the channels designated by the Service Provider.
- The Service Provider reserves the right to modify or discontinue the Electronic Payment Service, in whole or in part, whether temporarily or permanently, at any time. The Service Provider shall provide prior notice to the Service Applicant regarding such modifications or discontinuation.
Scope of Service
The Service Applicant agrees to use the Electronic Payment Service through the ChillPay system for the purpose of receiving payments for goods/services, with the following scope of duties and responsibilities:- Providing the Electronic Payment Service to the Service Applicant through the ChillPay system.
- Upgrading and maintaining the ChillPay system to comply with payment requirements.
- Maintaining and troubleshooting the ChillPay system to ensure its optimal performance.
ChillPay Service Registration
The registration for the ChillPay Electronic Payment Service can be completed through one of the following three methods:- Registration through a sales representative or an authorized agent of the Service Provider.
- Registration via electronic mail (E-Mail).
- Registration through the official website.
Service Applicant Qualifications
The Service Applicant must be either a legal entity (duly registered in accordance with applicable laws) or a natural person who owns and/or operates a business or holds the legal right to sell goods and/or provide services and intends to use the Electronic Payment Service to receive payments for goods/services. Such business operations must not be prohibited by law, and in cases where specific business activities require a legal license, the Service Applicant must obtain the necessary permits. Furthermore, the business must not violate the policies of Phra In Fintech Co., Ltd.Types of Electronic Payment Services
The Service Applicant agrees to utilize the electronic payment services provided by the company in accordance with the categories of payment services prescribed under the company’s policies.Taxes
Both parties acknowledge and agree that each party is responsible for its own tax obligations arising from income generated in accordance with applicable laws.Confidentiality
Both parties agree to keep confidential any information obtained or acknowledged in any manner as a result of their business relationship. They shall not disclose, distribute, or allow any third party to access such information, except in the following cases:- Disclosure required by law, regulation, court order, government authority, or competent legal officer, in which case the disclosing party shall notify the other party immediately.
- Disclosure to employees, personnel, directors, or advisors involved in the provision of services.
- Disclosure of information already publicly known, provided that such disclosure is not due to a breach of confidentiality obligations by either party.
- Disclosure made with prior written consent from the disclosing party.
Settlement of Payments for Goods and/or Services
- Upon receipt of payment from the customer, the Service Provider shall transfer the collected amount to the Service Applicant on the next business day following the transaction date (T+1), except in cases of system failure or force majeure, in which case the transfer shall be completed no later than the following business day.
- The Service Applicant agrees and authorizes the Service Provider to deduct service fees, after withholding tax deductions, before transferring the remaining payment amount to the Service Applicant within the agreed timeframe.
- After receiving the service fees as per the agreement, the Service Provider shall summarize the service fee transactions and issue a tax invoice to the Service Applicant at the end of each month.
- If the Service Provider deducts withholding tax in compliance with legal requirements, the Service Applicant shall review and confirm the deductions. The Service Applicant must then issue a withholding tax certificate within three (3) days after the last day of each month.
- The Service Provider does not have a refund policy in cases where customers or Service Applicants cancel, modify, or change a completed transaction, except for online payments made via Credit Card.
- If a transaction processed through ChillPay is flagged as suspicious, fraudulent, or irregular by the bank, resulting in a chargeback or reversal, the Service Applicant shall fully reimburse the ‘Refunded Amount’ within seven (7) days from the date of notification by the Service Provider.
- The Service Applicant acknowledges and agrees that, in the event the bank or the company identifies any suspicious activity related to the use of the services and/or any other suspicious circumstances concerning the payment of goods or services, fraudulent conduct, or any act of misconduct, the company shall have the right to suspend the disbursement of funds or withhold the crediting of funds to the service applicant’s account for the relevant transactions until the matter is conclusively resolved. The company shall provide prior notice to the service applicant to facilitate a joint investigation into the cause and the appropriate resolution of the issue.
Amendments to Terms and Conditions
- The Service Provider reserves the right to modify or amend any terms and conditions specified in the service channels or in specific service agreements. The Service Applicant has the responsibility to regularly review the terms and conditions, including any additional provisions published on the website www.chillpay.co. Continued use of the service shall be deemed acceptance of the modified or amended terms and conditions.
- If any amendment to the terms and conditions results in additional burdens or risks for the Service Applicant, such changes shall only take effect upon the Service Applicant’s consent.
- If any law or regulation requires the Service Provider to implement specific changes to the terms, the Service Applicant agrees to allow the Service Provider to comply with such legal and regulatory requirements.