AYA Bank

AYA Bank for Merchants: Business Banking and Merchant Services in Myanmar

AYA Bank is one of Myanmar’s leading private banks with a full suite of business banking and merchant acquiring services designed to help companies collect payments, manage cash flow, and fund growth. On this page, you will find a practical overview of what AYA Bank offers to merchants and business owners, from POS and e-commerce acquiring to cash management, trade services, and digital channels. The goal is simple: make it easier for you to accept payments, operate efficiently, and scale with confidence with AYA Bank as your partner.

Who AYA Bank serves

AYA Bank supports a wide range of businesses, including retail stores, restaurants, e-commerce brands, wholesalers, distributors, professional services, NGOs, and importers or exporters that need trade financing and documentary services. The bank has grown rapidly over the past decade and highlights company milestones such as obtaining its banking license, expanding its branch network, and rolling out digital innovations across channels.

Merchant Acquiring with AYA Bank

In-store payments: POS acquiring

AYA Bank’s POS solution lets you accept most common card brands in Myanmar and across the region on a real-time basis, including MPU, UnionPay International, JCB, Visa, and Mastercard. Contactless payments are supported to help speed up checkout. AYA provides free device deployment, user training, and on-site support, and the POS can be integrated with your existing POS system for a streamlined setup. The POS terminal is integrated with the AYA Pay Merchant Application, giving you additional wallet acceptance and settlement flexibility.

Why it matters for merchants

• Broad card acceptance increases conversion at the till.

• Contactless capability helps reduce queues and improve the customer experience.

• Integration with the AYA Pay Merchant App adds wallet and QR flows where relevant.

Online payments: E-commerce gateway

For digital merchants, AYA Bank offers an e-commerce acquiring solution with a secure payment gateway and processing for major brands. The bank promotes a very high system uptime and supports multiple channels, including mobile, web, kiosk, POS, and mPOS. 3D Secure is available to add an extra layer of fraud protection for card-not-present transactions.

Highlights for online businesses

• One stop service for major card networks.

• 99.999 percent uptime claimed for international networks to maximize availability.

• 3D Secure authentication to reduce unauthorized transactions and chargebacks.

Wallet acceptance: AYA Pay ecosystem

AYA Pay is AYA Bank’s digital wallet, built in-house and backed by the bank. For merchants, the AYA Pay Merchant app enables QR generation, payment requests, and wallet to bank movements, and it sits alongside the POS integration noted above. The AYA Pay merchant portal helps you track sales, manage users and sub-merchants, and configure POS devices from one place.

Day-to-day Banking for Businesses

Business current and call accounts

To support operating cash, AYA provides current accounts tailored for businesses and a call deposit option that offers interest while keeping funds accessible. For example, the New Business Call account shows an interest rate and an accessible initial deposit on the bank’s product page. Always check the latest terms, as rates and features may change.

Corporate Internet Banking

Corporate Internet Banking centralizes treasury tasks so your finance team can work securely from anywhere with an OTP device. Features include own-account and other-account transfers, bulk payment and bulk payroll, account statement downloads, and beneficiary maintenance. The platform operates 24 hours a day, with certain transactions subject to processing hours, and offers maker-checker controls and large daily limits subject to your setup.

What this means for your back office

• Consolidated visibility and control over company accounts.

• Maker-checker approvals to strengthen internal controls.

• Bulk files for mass payouts and payroll to save manual effort.

Mobile and online banking for everyday operations

AYA’s consumer internet and mobile banking also continue to evolve. A recent announcement introduces new features in Mobile Banking 3.0, including smarter transfers across AYA accounts, AYA Pay wallets, and other local bank accounts, along with loan repayments and digital deposits. These improvements help owners and managers handle essentials on the go.

Cash Management Services

AYA Bank’s cash management suite is built to give you more control over inflows and outflows and to reduce manual friction.

• Payroll Service: Automate salary disbursements with predictable scheduling and clear approval flows.

• Receivables Service: Improve collection visibility and reconciliation so teams spend less time matching payments.

• Bulk Payment (Payables Service): Standardize supplier runs with bulk file uploads and authorizations.

• Liquidity Service: Tools that help you manage balances, move cash, and optimize working capital across accounts.

In practice, businesses combine Corporate Internet Banking with these services. You can upload CSV or TXT bulk files with hundreds of transactions per batch, set up beneficiary templates, and download MT940 files for ERP reconciliation.

Trade Finance and Documentary Services

For importers and exporters, AYA Bank offers a connected set of trade finance and trade services that support the full cycle from purchase order to settlement.

Trade financing

Facilities are available for imports, exports, invoices, and inventory to bridge the cash gap between paying suppliers and receiving customer funds. The bank’s LC margin financing provides short-term credit where the LC is issued for less cash margin, helping you leverage collateral to complete purchases. The stated aim is to mitigate non-payment risk and improve working capital efficiency for both domestic and international trade.

Trade services

The documentary suite covers Letters of Credit and Import Documentary Collections, with processes aligned to international standards such as UCP 600 for LCs. This framework helps reduce counterparty risk, strengthen supplier relationships, and create more control over the import and export process.

Why it matters

• Access to working capital during long shipping and settlement cycles.

• Reduced risk of non-payment through LCs and structured collections.

• Familiarity with international rules and practices to support cross-border trade.

Business Lending

SME financing

AYA Bank’s SME program lists a range of working capital and term loan options with published indicators such as sample rate ranges, maximum loan amounts, and fees. These are designed to help small and medium enterprises fund inventory, capital expenditure, and operating cycles. Review the bank’s SME page for the current details and eligibility, and speak to a relationship manager for a tailored structure.

Corporate lending

Larger companies can access corporate loans to fund expansion, equipment, or projects. Paired with cash management and trade services, these facilities help centralize banking with one team and one set of digital channels. You can start from the Corporate Business Loan section on the business banking site and progress to a bespoke discussion.

Security, Compliance, and Reliability

Payment acceptance and digital banking require strong security. AYA Bank has announced compliance with PCI DSS v4.0.1 to strengthen digital security standards around card data and online payment services. For online payments, the bank highlights 3D Secure authentication and a very high availability target for international networks, which supports reliable checkout for your customers. Always validate the latest certifications and uptime commitments during onboarding.

Conclusion

Choose AYA Bank if you need a bank that can cover both sides of the merchant equation: acquiring to capture sales in store and online, and banking infrastructure to move, hold, and reconcile funds. Retailers, hospitality brands, and service providers can use POS or wallet acceptance plus payroll and bulk payables. E-commerce sellers can add 3D Secure and focus on uptime. Importers and exporters can layer in LCs, collections, and short-term trade finance to close funding gaps, then handle settlements and supplier runs through Corporate Internet Banking.