Seamless
Cross-Border Payment Solutions
Empowering banks to connect globally through seamless, secure, and efficient payment solutions.
Our Bank Partners
About Us
T.O. Digital Solutions (TODS) was founded in 2022 with a bold vision to promote and facilitate the revolutionary Bakong network, bridging the gap between banks, financial institutions, merchants, and consumers.
Mission
We drive the adoption and development of innovative payment technology to ensure seamless, secure, and efficient transactions
Vision
We envision a future where the payment network is universally accessible, empowering businesses and consumers in a financially inclusive society.
Our Values
Innovation
We relentlessly pursue cutting-edge solutions.
Security
We uphold the highest security standards to protect every transaction.
Collaboration
We build strong partnerships to drive collective progress.
Customer Focus
We deliver exceptional service and unparalleled support.
Easy Integration
ConvenienceOur Services
At T.O. Digital Solutions (TODS), we are transforming the landscape of cross-border payments by seamlessly integrating the Bakong network with UPI and Alipay+ networks. Our comprehensive services enable banks to offer their merchants and customers unparalleled access to global payment solutions.
Our Features
Real Time Settlements
Enable instant fund settlements, streamlining operations and improving cash flow efficiency for your bank.
Global Reach
Leverage our card network partners and their ecosystem to broaden your bank's reach, unlocking access to new markets and expanding your customer base.
Secure Transaction
Protect every transaction with advanced security protocols, ensuring the safety of sensitive financial data.
Service Overview
Cross-Border Payment Integration
Acquiring Payment
International
Cross-Border Payment
Why become our Bank Partner
Cross-Border Expansion
Provides banks access to UnionPay and Alipay+ and our future card network partners for expanded service reach.
Enhanced Merchant Services
Enables banks to offer merchants a competitive edge by accepting payments from international customers.
Seamless Integration
Ensures smooth and efficient integration, minimizing downtime and maximizing operational efficiency.
Improved Customer Experience
Allows banks to provide customers with seamless QR code payments abroad.
Secure and Reliable
Ensures all transactions are protected with the highest standards of data encryption and fraud prevention.
Our Partners!
Alipay+
TODS partners with Alipay+ to help merchants accept payments from millions of users globally.
Bongloy Payments
Bongloy Payments enhances our secure payment solutions, prioritize users experience with safety and speed.
UnionPay International
Our UPI integration allows banks to provide a strong global payment solution for merchants and customers.
Bank of China
With Bank of China as our settlement bank, we ensure seamless and efficient operations for our partners.
EKYC Solutions
EKYC Solutions delivers a seamless onboarding experience with advanced KYC technologies.
News and Updates
NBC Enhances Tourism with VISA Integration for Bakong Tourists App
The National Bank of Cambodia has teamed up with Visa to allow international tourists to seamlessly link their Visa cards to the Bakong Tourists app, facilitating easier fund transfers and cashless payments through KHQR codes in the Kingdom, another step towards a cashless society
NBC Unveils Phase 2 of Cross-border QR Code Payments, Enabling Seamless Transactions with UnionPay in China
Phnom Penh (FN), Mar. 11 – The National Bank of Cambodia officially launched Phase 2 of its cross-border QR code payments on 10 March 2025, allowing Cambodians to use their payment cards and mobile banking apps to scan QR codes at merchants accepting UnionPay payments in China and other partner countries.
Bilateral Cooperation on Cross-Border Payment and Remittance
Cross-border payments and remittance have played a crucial role in promoting regional and global economic integration, facilitating e-commerce trade, boosting the tourism sector, and contributing to the advancement of financial inclusion. This is achieved by providing convenient and low-cost means for transferring money and making payments, particularly for migrant workers and businesspeople.
Tourists Can Now Link Their Mastercard to Cambodia’s ‘Bakong Tourists App’
Foreign travelers visiting Cambodia can now link their Mastercard to the country’s ‘Bakong Tourists App’ to top up their funds for payments, starting in November 2024. This initiative by the National Bank of Cambodia (NBC) aims to simplify digital payments in the Kingdom.
Cambodia launches tourist app enabling payments with KHQR
The National Bank of Cambodia (NBC) on Monday launched the ‘Bakong Tourists App’ helping foreign tourists in Cambodia to make payments using the country’s universal KHQR code at over 3.3 million retail merchant outlets.
NBC, UnionPay International launch cross-border QR code payment (VIDEO)
The National Bank of Cambodia (NBC) and Chinese financial services provider UnionPay International on Friday launched cross-border
ធនាគារជាតិនៃកម្ពុជា និងក្រុមហ៊ុន UnionPay International របស់ចិន ដាក់ឱ្យប្រើប្រាស់ជាផ្លូវការ ការទូទាត់ឆ្លងដែនតាមប្រព័ន្ធ QR Code (Video inside)
ធនាគារជាតិ និងក្រុមហ៊ុន UnionPay International បានដាក់ឱ្យប្រើប្រាស់ជាផ្លូវការ ការទូទាត់ឆ្លងព្រំដែន តាមប្រព័ន្ធ QR Code ដើម្បីចូលរួមចំណែកយ៉ាងសំខាន់ ក្នុងការលើកកម្ពស់ពាណិជ្ជកម្ម សកម្មភាពទេសចរណ៍ និងការដាក់បញ្ចូលហិរញ្ញវត្ថុ។
NBC, UnionPay International officially launch Cross-Border QR code payment
The official launching ceremony was virtually held on Dec. 22
NBC, UnionPay International launch cross-border QR code payment (VIDEO)
The National Bank of Cambodia (NBC) and Chinese financial services provider UnionPay International on Friday launched cross-border
NBC Enhances Tourism with VISA Integration for Bakong Tourists App
The National Bank of Cambodia has teamed up with Visa to allow international tourists to seamlessly link their Visa cards to the Bakong Tourists app, facilitating easier fund transfers and cashless payments through KHQR codes in the Kingdom, another step towards a cashless society
NBC Unveils Phase 2 of Cross-border QR Code Payments, Enabling Seamless Transactions with UnionPay in China
Phnom Penh (FN), Mar. 11 – The National Bank of Cambodia officially launched Phase 2 of its cross-border QR code payments on 10 March 2025, allowing Cambodians to use their payment cards and mobile banking apps to scan QR codes at merchants accepting UnionPay payments in China and other partner countries.
Bilateral Cooperation on Cross-Border Payment and Remittance
Cross-border payments and remittance have played a crucial role in promoting regional and global economic integration, facilitating e-commerce trade, boosting the tourism sector, and contributing to the advancement of financial inclusion. This is achieved by providing convenient and low-cost means for transferring money and making payments, particularly for migrant workers and businesspeople.
Tourists Can Now Link Their Mastercard to Cambodia’s ‘Bakong Tourists App’
Foreign travelers visiting Cambodia can now link their Mastercard to the country’s ‘Bakong Tourists App’ to top up their funds for payments, starting in November 2024. This initiative by the National Bank of Cambodia (NBC) aims to simplify digital payments in the Kingdom.
Cambodia launches tourist app enabling payments with KHQR
The National Bank of Cambodia (NBC) on Monday launched the ‘Bakong Tourists App’ helping foreign tourists in Cambodia to make payments using the country’s universal KHQR code at over 3.3 million retail merchant outlets.
NBC, UnionPay International launch cross-border QR code payment (VIDEO)
The National Bank of Cambodia (NBC) and Chinese financial services provider UnionPay International on Friday launched cross-border
ធនាគារជាតិនៃកម្ពុជា និងក្រុមហ៊ុន UnionPay International របស់ចិន ដាក់ឱ្យប្រើប្រាស់ជាផ្លូវការ ការទូទាត់ឆ្លងដែនតាមប្រព័ន្ធ QR Code (Video inside)
ធនាគារជាតិ និងក្រុមហ៊ុន UnionPay International បានដាក់ឱ្យប្រើប្រាស់ជាផ្លូវការ ការទូទាត់ឆ្លងព្រំដែន តាមប្រព័ន្ធ QR Code ដើម្បីចូលរួមចំណែកយ៉ាងសំខាន់ ក្នុងការលើកកម្ពស់ពាណិជ្ជកម្ម សកម្មភាពទេសចរណ៍ និងការដាក់បញ្ចូលហិរញ្ញវត្ថុ។
NBC, UnionPay International officially launch Cross-Border QR code payment
The official launching ceremony was virtually held on Dec. 22
NBC, UnionPay International launch cross-border QR code payment (VIDEO)
The National Bank of Cambodia (NBC) and Chinese financial services provider UnionPay International on Friday launched cross-border