Can you pay on card in Laos?

Credit Card Usage in Laos: A Guide for Travelers

Laos, a Southeast Asian country known for its stunning landscapes and cultural heritage, has a limited infrastructure for credit card transactions. While major cities like Vientiane and Luang Prabang have seen an increase in card acceptance, cash remains the preferred method of payment for most goods and services.

Credit Card Acceptance in Major Cities

In the capital city of Vientiane and popular tourist destinations like Luang Prabang, upscale hotels, restaurants, and some shopping malls accept credit cards. However, even in these areas, not all establishments support card transactions. It’s advisable to inquire before assuming that a business takes cards.

Limited Acceptance in Remote Areas

Venturing outside major urban areas in Laos, travelers should expect very limited credit card acceptance. Small businesses, markets, and guesthouses in remote villages typically only accept cash payments. It’s crucial for travelers planning to explore rural Laos to carry sufficient cash to avoid inconvenience.

Carrying Cash is Essential

For a hassle-free travel experience in Laos, it’s highly recommended to carry enough cash, preferably in local currency (Lao kip). Use ATMs in major cities to withdraw cash from your credit or debit card, as most ATMs accept international cards.

Tips for Using Cash in Laos

• Keep your cash secure by using a money belt or wallet with RFID blocking technology.
• Exchange large bills (USD 100 or higher) at banks or authorized money changers to get the best exchange rate.
• Be cautious when using ATMs, as card skimming can occur.
• Ask for a receipt for all cash transactions to avoid potential disputes.

Additional Considerations

• Some businesses may charge a small fee for credit card transactions.
• Laos does not have a national credit reporting system, so credit card usage does not impact your credit history back home.
• Contact your credit card issuer before your trip to inform them about your travel plans and to avoid having your card blocked for suspicious activity.

By following these tips, travelers can ensure they have the necessary payment options for their journey in Laos. While credit card acceptance is growing in major cities, carrying cash remains essential for a smooth and enjoyable travel experience outside urban areas.