visa-admin
Updated 2026-06-03 5 min
In short
- ●Official launch of phase 1 of the QR code payment system between Cambodia and India on June 3, 2026.
- ●Indian travelers can now make payments via UPI by scanning KHQR codes at Cambodian merchants.
- ●This initiative simplifies transactions for Indian expats and tourists, reducing the need for cash and currency exchange.
- ●The system could expand to other countries, strengthening regional financial integration.
June 3, 2026
Launch Date
Cambodia and India
Countries Involved
UPI via KHQR
Payment Type
B2B Asia News
Source
Key Facts at a Glance
- Launch Date. June 3, 2026, phase 1 operational.
- Mechanism. Indians scan KHQR codes at Cambodian merchants and pay via UPI.
- Immediate Impact. Over 200,000 Indian tourists expected in Cambodia in 2026.
- Possible Expansion. The system could include other Asian countries.
- Objective. Simplify cross-border payments and boost tourism.
How It Happened
The project to connect payments between Cambodia and India was announced in 2025. Here are the key steps:
- 2025: Agreement in principle between the National Bank of Cambodia and the Reserve Bank of India to interconnect payment systems.
- Early 2026: Technical tests and pilot deployment with selected merchants in Phnom Penh and Siem Reap.
- June 3, 2026: Official launch of phase 1, allowing Indians to pay via UPI by scanning KHQR.
- Next Steps: Expansion to other merchants and integration of new countries (Thailand, Vietnam, Laos).
Breakdown
The system primarily benefits Indian travelers and Cambodian merchants. Here is the breakdown by segment:
| Segment | Number | Detail |
|---|---|---|
| Indian Tourists | 200,000+ | Expected annual arrivals in Cambodia in 2026 |
| Indian Expats | 5,000+ | Residents in Cambodia, mostly in Phnom Penh and Siem Reap |
| Participating Merchants | 10,000+ | First phase: hotels, restaurants, shops in Phnom Penh, Siem Reap, Sihanoukville |
| UPI Transactions | 1 million+ | Monthly estimates after full deployment |
What It Actually Changes in Siem Reap
- Indian expats can pay directly from their UPI app without exchanging currency.
- Local merchants (restaurants, temples, markets) now accept Indian QR code payments.
- Reduction in exchange fees and bank charges for daily transactions.
- Simplified payments for Indian travelers passing through, boosting tourism.
- Possible extension to other nationalities (e.g., Thailand, Vietnam) in the coming months.
How to Avoid Trouble (Practical Checklist)
- Check that your UPI app is active. Make sure your Indian payment app (Google Pay, PhonePe, Paytm) is installed and linked to a bank account.
- Scan only official KHQR codes. Avoid unverified QR codes to prevent fraud.
- Confirm the amount before confirming. Check the amount displayed on your screen before authorizing payment.
- Keep a receipt. Take a screenshot or ask for a ticket for every transaction.
- Report any issues to your bank. In case of unauthorized debit, contact your bank and the National Bank of Cambodia immediately.
Frequently asked questions
What is the Cambodia-India cross-border QR code payment system?
It is a system that allows Indian travelers to pay for their purchases in Cambodia by scanning KHQR codes with their UPI app, without having to exchange money.
Where can I use this payment method in Siem Reap?
At participating merchants: hotels, restaurants, souvenir shops, and some temples. Look for the KHQR logo at the entrance.
Are there any additional fees?
No, transactions are processed at the interbank exchange rate with no additional fees for the consumer.
Is this service available for Indian expats residing in Cambodia?
Yes, Indian expats can use their UPI app to pay at participating merchants, provided their Indian bank account is active.
What are the security risks?
Risks are minimal if you use official QR codes. Avoid unverified codes and always check the amount before confirming.
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Published by
Siem Reap Hub
The community guide for expats and travelers in Siem Reap, Cambodia