LAO QR · BCEL OnePay
Automatic payment confirmation: BCEL OnePay
Short answer
Automatic confirmation means a payment provider makes a QR for each order and tells your shop the moment the customer has paid, so the order turns to “Paid” by itself — no slip, no checking. In Laos an online shop gets it with BCEL's own payment gateway (a contract with the bank: 1.5% per OnePay payment plus US$45 a month, registered businesses only). LaoCart connects it to your shop on request.
LAO QR, your bank's QR, and automatic confirmation
LAO QR is the national QR standard of the Bank of the Lao PDR: every Lao banking app shows it and scans it. The receiving QR you get from BCEL One, JDB, LDB or another Lao bank is a LAO QR — that is the picture your shop shows customers today.
That QR is static: it carries your account, not the order. So today the customer types the amount, transfers, and attaches the slip, and you check the money before you confirm.
Automatic confirmation needs a provider that generates a QR with the exact amount for each order and tells your shop when it has been paid. It is not “a different QR for your customer to learn”: they still scan with the banking app they have — with BCEL's gateway they use BCEL One.
Today: QR and slip
- 1.Your shop shows your bank QR with the amount to transfer
- 2.The customer transfers and attaches a photo of the slip
- 3.You check the money in your banking app
- 4.You set the order to “Paid” with one tap
With a provider: confirmed for you
- 1.The shop shows a QR made for that order, with its amount
- 2.The customer scans and pays in their banking app
- 3.The provider tells the shop the payment went through — no slip
- 4.The order turns to “Paid” by itself, in seconds, day or night
LaoCart sets the connection up for your shop on request: once you have your provider account, tell us with the form below and we connect it. The provider's side takes the longest, so a shop that wants it should sign up now.
BCEL's payment gateway
BCEL calls it the Online Payment Gateway (E-Commerce). It is a contract between your business and the bank; LaoCart is not a party to it.
The bank's own service — the money lands in your BCEL account
1.5% per OnePay payment + US$45 a month
- How you sign up
- A form and a contract at BCEL's Card Center
- Who can
- A legal entity: enterprise + tax registration, a BCEL account
- Fee per QR payment
- 1.5%
- Fixed fees
- US$45 a month (first 3 months waived, no installation fee — BCEL's current promotion)
- Customer apps
- BCEL One; cards and UnionPay / WeChat / Alipay QR optional
- Where the money lands
- Your BCEL account, next business day
- Time to get it
- A few weeks
Who can apply
BCEL signs the gateway contract with a business, not with a person. Its conditions:
- A legal entity registered in Laos: an enterprise registration in your name
- A tax registration
- A savings or current account at BCEL, in kip and/or US dollars
- A website where customers can buy — your LaoCart shop — with its sale terms stated on it
Selling as an individual, without an enterprise registration? BCEL will not sign the gateway contract. Keep taking payments with QR and slip, and register an enterprise later.
Documents to bring
- BCEL's application form, filled and signed (below)
- Enterprise registration (copy)
- Tax registration (copy)
- ID card, family book or passport of the owner (copy)
- Work permit or residence card, for a foreign owner
How to apply, step by step
Count a few weeks: the bank checks the business and prepares the contract.
- 1Open a BCEL account in the business's name if you have none — in kip, and in US dollars too if you sell abroad
- 2Download BCEL's application form below, tick “Payment Gateway” and “QR Online → BCEL OnePay”, fill in the business, the owner and your BCEL account number
- 3Attach the documents listed above; sign and stamp as the owner named on the enterprise registration
- 4Bring it to BCEL's Card Center at the head office in Vientiane, or to your branch — or write to them first; the contacts are below
- 5Sign the contract. BCEL then connects the gateway and gives you your merchant access (a merchant ID and keys): keep them secret, like a password
- 6Tell LaoCart with the form at the bottom of this page: we connect your shop — included in Pro, 990,000 kip a year on Basic and Starter
BCEL's application form
The bank publishes one form for all its online payment services; the same paper is the contract. It is in English, 3 pages, with an authorisation letter attached in case somebody signs for the owner.
Download BCEL's form (PDF)BCEL.CCT Form ID #1 (version 02-2019) · From bcel.com.la. If it does not open inside Facebook or TikTok, open this page in Chrome or Safari.
What the form asks
- 1The service: tick “Payment Gateway” (the others are e-invoice, virtual terminal and recurring payment)
- 2The payment types: tick “QR Online — BCEL OnePay”; cards and the other QR brands are optional and cost more
- 3The business: name, address, telephone, e-mail, website address (your shop's address) and the enterprise registration number
- 4The owner: name, title, date of birth, nationality, ID or passport number, address, telephone, e-mail
- 5Your BCEL account number (18 digits)
- 6Your expected sales per month (orders and value), whether you sell to customers abroad, and the delivery company you use
- 7Up to three people who will use BCEL's merchant portal: one admin and two users, with their 020 numbers
- 8The contract's fee article: 1.5% per OnePay payment, 3.5% for the other QR brands, US$45 a month
Where to send it
BCEL Card Center, head office, Vientiane — or any BCEL branch. Ask for the “Online Payment Gateway / E-Commerce” service.
On LaoCart's side
- Pro plan
- Included
- Basic or Starter
- Add-on 990,000 kip a year
- Commission
- None — the provider's fee is the only one
The connection is set up shop by shop, on request, once you have your provider account. Nothing is charged until it works on your shop.
Example: an order of 300,000 kip costs 4,500 kip in fee with BCEL (1.5%); you receive the rest.
LAO QR · BCEL OnePay
Tell LaoCart you want it
Leave your number: we set the connection up with you, and we help you through the provider's steps if you are stuck. Nothing is charged until it works.
Common questions
Do I need this to sell on LaoCart?
No. Every shop takes payments from day one with your own QR and the customer's slip, with no fee to anyone. A provider only removes the checking and the wait: the order confirms itself, even at night.
Is LAO QR different from my bank's QR?
No. LAO QR is the standard; your BCEL One, JDB or LDB receiving QR is one. Automatic confirmation is not a different QR for the customer — it is a provider that makes the QR per order and confirms the payment to your shop.
Which apps can my customers pay with?
With BCEL's gateway, BCEL One — the most used app in Laos. Cards, Alipay and WeChat Pay are optional, at higher rates.
Does LaoCart take a percentage?
No. The provider's fee (1.5% at BCEL) is the only one. LaoCart's part is the yearly add-on (990,000 kip on Basic and Starter), included in Pro.
I sell as a person, not a company. Can I get it?
BCEL signs only with a registered business. Until then, QR and slip keep working.
When do I get the money?
In your BCEL account the next business day.
Is it available on LaoCart today?
Yes, on request: once you have your gateway contract with BCEL, tell us with the form on this page and we connect it to your shop. The provider's side is what takes time, so sign up with them now.
Numbers as published by BCEL on its website, last checked on 2026-09-21. The bank can change them — confirm the current rates before you sign. BCEL's service page