The Finance Ministry and Bank of Thailand opened comment on draft rules for buy-now-pay-later lending, running 16 October to 15 November 2569 (2026). Proposals: users aged 20+, a ฿20,000 limit per person, instalments up to 6 months, and an effective annual cost cap of 15% including fees. Providers need a dedicated BNPL licence, paid-up capital of at least ฿50m, and must join the National Credit Bureau. If your shop offers BNPL instalments or relies on them for customers, check how the rules would affect your checkout and pricing, and submit comments before the deadline if they matter to your business.