ABA Bank and T.O Software Establish MOU for Digital Payment Integration

Advancing Cashless Payments and Digital Business Solutions in Cambodia

T.O Software is pleased to announce a Memorandum of Understanding (MOU) with ABA Bank to collaborate on digital payment integration, bringing more convenient, efficient, and seamless payment experiences to businesses and their customers across Cambodia.

Through this collaboration, ABA Bank and T.O Software aim to connect banking payment services directly with T.O Software's business management solutions, enabling merchants to simplify payment collection and improve daily business operations.

Key Areas of Collaboration

1. Automatic KHQR Generation on POS Systems

The integration will enable T.O Software's POS systems to automatically generate a payment KHQR code based on the transaction amount. Customers can scan the displayed QR code using supported banking applications to complete their payments.

Key benefits include:

• Automatic QR code generation based on the sales transaction.
• Reduced manual payment entry and fewer payment processing errors.
• Improved cashier efficiency and customer checkout experience.
• Easier payment reconciliation through integrated transaction status updates.

2. ABA Payment Integration for QR Online Ordering

The collaboration also aims to support ABA payment integration with T.O Software's QR Online Ordering solution, allowing customers to order products or food through their mobile devices and pay digitally.

Key benefits include:

• Convenient QR-based online ordering and digital payments.
• A smoother customer journey from order placement to payment confirmation.
• Improved order processing for restaurants and other participating businesses.
• Better coordination between online orders, payment status, and POS operations.

Supporting Cambodia's Digital Economy

This collaboration reflects a shared commitment to advancing digital payments, supporting cashless transactions, and helping Cambodian businesses adopt modern technology.

By combining ABA Bank's banking and payment services with T.O Software's integrated business solutions, the initiative aims to help retailers, restaurants, SMEs, and other merchants improve operational efficiency and deliver a better customer experience.

T.O Software continues to invest in practical technology that connects sales, inventory, ordering, and payments within a unified business ecosystem.

ABA Bank × T.O Software

Connecting Digital Payments. Simplifying Business Operations. Empowering Cambodian Businesses.