PhaJay is more than just a payment gateway.
We are a solution meticulously designed to unlock the full potential of Lao startups and SMEs — empowering every industry to scale faster, uphold higher security standards, and access essential capital more easily.
About PhaJay
PhaJay is the first payment gateway in Lao PDR, providing seamless integration and automated payment with local banking systems to empower startups and MSMEs with convenient, fast, and efficient payment solutions.
PhaJay is more than just a payment gateway.
“PhaJay is more than just a financial bridge; it is a solution meticulously designed to unlock the full potential of Lao startups and SMEs. Guided by our core philosophy, 'Simplify Your Payments' we empower every industry to scale faster, uphold higher security standards, and easier access to essential capital.”
Vannapha SOUTHIVONG
Co-Founder & CEO of PhaJay
Vision, Mission & Values
Vision
PhaJay strives to be the leader in building the most advanced, unified Fintech ecosystem in Lao PDR, connecting every financial transaction into platforms to drive a sustainable digital economy.
Mission
Developing a comprehensive financial platform that supports universal payment links and QR codes across all banking networks.
Creating management tools that enable merchants to analyze payment data, manage accounting, and build credit scores for easier access to capital.
Elevating security standards and technology to integrate Lao businesses into the global commerce and payment ecosystem.
Our Core Values
Speed
Lightning-fast payment processing so your business never misses a transaction.
Seamless
Frictionless integration with all major banks and wallets in Lao PDR.
User-Centric
Every feature is designed with merchants and customers in mind, from day one.
Our Journey
Deepening expertise in Payment Systems — building the foundation with startup and bank partnerships.
Driving Strategic Partnerships and Banking Integrations with JDB, Indochina Bank, and BCEL.
Officially licensed by the Bank of Lao PDR to provide Electronic Acceptance services as a Payment Facilitator.
Developing Systems and Websites — engineering the core payment infrastructure.
System Testing, Market Research, and Licensing — preparing for market launch.
2 Products live · 48+ Platforms integrated · 11 Banking & Business Partners — and growing.
Our Impact
6 Months → 1–2 Weeks
PhaJay accelerates SME-to-bank integration, slashing the onboarding process from 6 months down to just 1–2 weeks.
Empowering SMEs with Capital Access
We help small and medium businesses gain easier access to capital and financial resources through data-driven credit scoring.
AI-Driven Integration Support
Powered by a dedicated team and AI-driven integration support, reducing resource operational costs and accelerating business operations.
Multi-Bank Connectivity
Connect to 10+ local banks through a single integration — one API, one dashboard, all your banks.
Our Team
The passionate people behind PhaJay — building Lao PDR's most advanced fintech ecosystem.
Muaku KAOJERPAO
Vannapha SOUTHIVONG
Kanlaya PHOMMASAK