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Our Story
Shaping Finance with You
Vision: To be a leader in digital lending in Thailand
Akulaku X Co., Ltd., the provider of PAYPAYA credit services, was established in 2023 by major financial companies from Thailand and Indonesia, including Card X, a financial company under the SCBX group, and Akulaku Group, a leading online finance and retail platform in Southeast Asia. We serve customers with advanced technology solutions, creating convenience and comfort. We are committed to revolutionizing Thailand’s financial services industry and expanding access to financial services through innovative solutions by offering fast, convenient, and secure digital lending for everyone.
We believe that everyone should have access to quality financial services without being restricted by their financial history. Therefore, we have developed our services to meet the needs of all individuals, whether they are general customers or even small businesses.
Companies in SCBX Group
We're backed by industry giants Cardx and Akulaku, blending the reliability of traditional banking with the agility of digital technology.
At Paypaya, we're more than just a service provider. Think of us as your financial friend, here to simplify and support your financial journey.
Ready for a simpler financial experience? Discover how Paypaya is changing the game.
Our Values
Inclusive Accessibility: Inspiring Financial Inclusion
Embrace diversity and empower underserved individuals by providing accessible and inclusive financial solutions.
Digital Empowerment: Tech-Driven Solutions
Harness technology to create user-friendly, efficient, and secure lending solutions.
Customer-Centric Transparency: Trust through Transparency
Prioritize openness and transparency in all interactions with customers.
Paperless Efficiency: Sustainability and Innovatio
Prioritizing a seamless and paperless lending journey, along with sustainable operations, contributes to a greener future.
Meet the Heart of Paypaya
Our Diverse Team of Visionaries
At Paypaya, diversity isn't just a buzzword; it's our strength. Our team is a vibrant tapestry of professionals from various backgrounds, including traditional banking, internet, finance, and technology. This rich diversity fuels our innovative approach, enabling us to understand and cater to the multifaceted needs of our customers in Thailand's dynamic financial landscape.
We're not just a team; we're a family of passionate individuals, united by a common goal – to make a real difference in the Thai financial sector. Our passion drives us to create genuine solutions that add value to our users' lives, riding the wave of digital transformation in finance.
We believe that every challenge is an opportunity to write a new chapter in our story – a story of empowerment, innovation, and success. Together, we are not just working towards transforming the financial experience; we're dedicated to crafting a narrative that resonates with every individual who joins us on this journey.
Join our team
And our story is just at the beginning. We're on the lookout for like-minded individuals who are eager to be a part of this exciting journey. If you share our passion for innovation and commitment to making a difference in the financial world, we would love to have you join us.
Together, we can continue to break boundaries, innovate, and write new chapters in the story of Paypaya.
Come, be a part of our mission to redefine the financial landscape – your chapter awaits!
Our Story
Shaping Finance with You
Vision: To be a leader in digital lending in Thailand
Akulaku X Co., Ltd., the provider of PAYPAYA credit services, was established in 2023 by major financial companies from Thailand and Indonesia, including Card X, a financial company under the SCBX group, and Akulaku Group, a leading online finance and retail platform in Southeast Asia. We serve customers with advanced technology solutions, creating convenience and comfort. We are committed to revolutionizing Thailand’s financial services industry and expanding access to financial services through innovative solutions by offering fast, convenient, and secure digital lending for everyone.
We believe that everyone should have access to quality financial services without being restricted by their financial history. Therefore, we have developed our services to meet the needs of all individuals, whether they are general customers or even small businesses.
Companies in SCBX Group
We're backed by industry giants Cardx and Akulaku, blending the reliability of traditional banking with the agility of digital technology.
At Paypaya, we're more than just a service provider. Think of us as your financial friend, here to simplify and support your financial journey.
Ready for a simpler financial experience? Discover how Paypaya is changing the game.
Our Values
Inclusive Accessibility: Inspiring Financial Inclusion
Embrace diversity and empower underserved individuals by providing accessible and inclusive financial solutions.
Digital Empowerment: Tech-Driven Solutions
Harness technology to create user-friendly, efficient, and secure lending solutions.
Customer-Centric Transparency: Trust through Transparency
Prioritize openness and transparency in all interactions with customers.
Paperless Efficiency: Sustainability and Innovatio
Prioritizing a seamless and paperless lending journey, along with sustainable operations, contributes to a greener future.
Meet the Heart of Paypaya
Our Diverse Team of Visionaries
At Paypaya, diversity isn't just a buzzword; it's our strength. Our team is a vibrant tapestry of professionals from various backgrounds, including traditional banking, internet, finance, and technology. This rich diversity fuels our innovative approach, enabling us to understand and cater to the multifaceted needs of our customers in Thailand's dynamic financial landscape.
We're not just a team; we're a family of passionate individuals, united by a common goal – to make a real difference in the Thai financial sector. Our passion drives us to create genuine solutions that add value to our users' lives, riding the wave of digital transformation in finance.
We believe that every challenge is an opportunity to write a new chapter in our story – a story of empowerment, innovation, and success. Together, we are not just working towards transforming the financial experience; we're dedicated to crafting a narrative that resonates with every individual who joins us on this journey.
Join our team
And our story is just at the beginning. We're on the lookout for like-minded individuals who are eager to be a part of this exciting journey. If you share our passion for innovation and commitment to making a difference in the financial world, we would love to have you join us.
Together, we can continue to break boundaries, innovate, and write new chapters in the story of Paypaya.
Come, be a part of our mission to redefine the financial landscape – your chapter awaits!
Our Story
Shaping Finance with You
Vision: To be a leader in digital lending in Thailand
Akulaku X Co., Ltd., the provider of PAYPAYA credit services, was established in 2023 by major financial companies from Thailand and Indonesia, including Card X, a financial company under the SCBX group, and Akulaku Group, a leading online finance and retail platform in Southeast Asia. We serve customers with advanced technology solutions, creating convenience and comfort. We are committed to revolutionizing Thailand’s financial services industry and expanding access to financial services through innovative solutions by offering fast, convenient, and secure digital lending for everyone.
We believe that everyone should have access to quality financial services without being restricted by their financial history. Therefore, we have developed our services to meet the needs of all individuals, whether they are general customers or even small businesses.
Companies in SCBX Group
We're backed by industry giants Cardx and Akulaku, blending the reliability of traditional banking with the agility of digital technology.
At Paypaya, we're more than just a service provider. Think of us as your financial friend, here to simplify and support your financial journey.
Ready for a simpler financial experience? Discover how Paypaya is changing the game.
Our Values
Inclusive Accessibility: Inspiring Financial Inclusion
Embrace diversity and empower underserved individuals by providing accessible and inclusive financial solutions.
Digital Empowerment: Tech-Driven Solutions
Harness technology to create user-friendly, efficient, and secure lending solutions.
Customer-Centric Transparency: Trust through Transparency
Prioritize openness and transparency in all interactions with customers.
Paperless Efficiency: Sustainability and Innovatio
Prioritizing a seamless and paperless lending journey, along with sustainable operations, contributes to a greener future.
Meet the Heart of Paypaya
Our Diverse Team of Visionaries
At Paypaya, diversity isn't just a buzzword; it's our strength. Our team is a vibrant tapestry of professionals from various backgrounds, including traditional banking, internet, finance, and technology. This rich diversity fuels our innovative approach, enabling us to understand and cater to the multifaceted needs of our customers in Thailand's dynamic financial landscape.
We're not just a team; we're a family of passionate individuals, united by a common goal – to make a real difference in the Thai financial sector. Our passion drives us to create genuine solutions that add value to our users' lives, riding the wave of digital transformation in finance.
We believe that every challenge is an opportunity to write a new chapter in our story – a story of empowerment, innovation, and success. Together, we are not just working towards transforming the financial experience; we're dedicated to crafting a narrative that resonates with every individual who joins us on this journey.
Join our team
And our story is just at the beginning. We're on the lookout for like-minded individuals who are eager to be a part of this exciting journey. If you share our passion for innovation and commitment to making a difference in the financial world, we would love to have you join us.
Together, we can continue to break boundaries, innovate, and write new chapters in the story of Paypaya.
Come, be a part of our mission to redefine the financial landscape – your chapter awaits!
Our Story
Shaping Finance with You
Vision: To be a leader in digital lending in Thailand
Akulaku X Co., Ltd., the provider of PAYPAYA credit services, was established in 2023 by major financial companies from Thailand and Indonesia, including Card X, a financial company under the SCBX group, and Akulaku Group, a leading online finance and retail platform in Southeast Asia. We serve customers with advanced technology solutions, creating convenience and comfort. We are committed to revolutionizing Thailand’s financial services industry and expanding access to financial services through innovative solutions by offering fast, convenient, and secure digital lending for everyone.
We believe that everyone should have access to quality financial services without being restricted by their financial history. Therefore, we have developed our services to meet the needs of all individuals, whether they are general customers or even small businesses.
Companies in SCBX Group
We're backed by industry giants Cardx and Akulaku, blending the reliability of traditional banking with the agility of digital technology.
At Paypaya, we're more than just a service provider. Think of us as your financial friend, here to simplify and support your financial journey.
Ready for a simpler financial experience? Discover how Paypaya is changing the game.
Our Values
Inclusive Accessibility: Inspiring Financial Inclusion
Embrace diversity and empower underserved individuals by providing accessible and inclusive financial solutions.
Digital Empowerment: Tech-Driven Solutions
Harness technology to create user-friendly, efficient, and secure lending solutions.
Customer-Centric Transparency: Trust through Transparency
Prioritize openness and transparency in all interactions with customers.
Paperless Efficiency: Sustainability and Innovatio
Prioritizing a seamless and paperless lending journey, along with sustainable operations, contributes to a greener future.
Meet the Heart of Paypaya
Our Diverse Team of Visionaries
At Paypaya, diversity isn't just a buzzword; it's our strength. Our team is a vibrant tapestry of professionals from various backgrounds, including traditional banking, internet, finance, and technology. This rich diversity fuels our innovative approach, enabling us to understand and cater to the multifaceted needs of our customers in Thailand's dynamic financial landscape.
We're not just a team; we're a family of passionate individuals, united by a common goal – to make a real difference in the Thai financial sector. Our passion drives us to create genuine solutions that add value to our users' lives, riding the wave of digital transformation in finance.
We believe that every challenge is an opportunity to write a new chapter in our story – a story of empowerment, innovation, and success. Together, we are not just working towards transforming the financial experience; we're dedicated to crafting a narrative that resonates with every individual who joins us on this journey.
Join our team
And our story is just at the beginning. We're on the lookout for like-minded individuals who are eager to be a part of this exciting journey. If you share our passion for innovation and commitment to making a difference in the financial world, we would love to have you join us.
Together, we can continue to break boundaries, innovate, and write new chapters in the story of Paypaya.
Come, be a part of our mission to redefine the financial landscape – your chapter awaits!
Contact us
Email: customerservice@paypaya.com
Call Center: 02-777-5999
9 Ratchadaphisek Rd., Chatuchak, Bangkok, 10900
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Contact us
Email: customerservice@paypaya.com
Contact:  
02-777-5999
9 Ratchadaphisek Rd., Chatuchak, Bangkok, 10900
Follow