Last Updated: April 2026  · 
Editorial Policy
 ·  By MoneyKH Research Team

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Clik by ABA review 2026: Clik is ABA Bank’s dedicated merchant-facing QR payment platform, distinct from the ABA Mobile app used by consumers. It allows businesses — from sole traders to multi-branch retailers — to accept QR payments, generate dynamic payment QR codes, track real-time transaction histories, and manage settlement to their ABA account. MoneyKH scores Clik 6.8 out of 10 — a reliable, well-integrated tool for merchants already operating within the ABA ecosystem, but with limitations that matter for businesses seeking a standalone payment terminal replacement or multi-bank settlement. Clik is not a consumer wallet. It is a merchant collections tool, and it should be evaluated on those terms.

🇰🇭 Clik · ABA Bank · Merchant QR Payments · NBC Licensed · Cambodia · 2026

Clik by ABA Review 2026 — Merchant QR Payments, Fees, Settlement & MoneyKH Verdict

ABA Bank dominates Cambodia’s consumer digital payments space through its ABA Mobile app. Clik is the other side of that equation — the merchant-facing infrastructure that lets businesses receive those ABA payments. Understanding the distinction between ABA Pay (the consumer payment function inside ABA Mobile) and Clik (the merchant acceptance platform) is the starting point for any accurate review. This article covers who Clik is for, what it costs, how it works, and when a Cambodian business should — and should not — use it.

⭐ MoneyKH Score: 6.8 / 10
✅ Best for: Cambodian businesses already banking with ABA who want seamless QR payment acceptance
⚠️ Not for: Businesses needing multi-bank settlement, POS terminal replacement, or rural agent-based collections
🏦 Regulated by: National Bank of Cambodia (NBC) — ABA Bank holds a full commercial banking licence

All Wallets Compared →
Skip to Verdict →

⚡ Jump to Section:

• What Is Clik — and How Is It Different from ABA Pay? →
• Clik Merchant Features →
• Fees, MDR & Settlement →
• How to Set Up Clik as a Merchant →
• Clik vs Pi Pay Merchant vs Wing Business →
• MoneyKH Verdict & Score →
• FAQ →

⚡ MoneyKH Quick Reference — Clik by ABA Cambodia 2026

• Product type: Merchant QR payment acceptance platform — not a consumer wallet
• Who can use it: Registered businesses and sole traders with an ABA Bank business account
• QR type supported: KHQR (national standard) + ABA-specific static and dynamic QR
• Consumer fee: Zero — consumers pay nothing extra to pay via Clik-enabled merchants
• Merchant fee (MDR): Not publicly published — negotiated with ABA based on business type and volume
• Settlement: Settled to merchant’s ABA Bank account — same-day or next-day depending on account type
• Transaction tracking: Real-time dashboard — view payments, export reports, reconcile by date
• Hardware required: No POS terminal needed — app-based or QR printout is sufficient for most merchants
• Multi-user: Businesses can assign separate Clik accounts to different cashiers or branches
• ABA account required: Yes — Clik settlement goes to ABA. Businesses without an ABA account must open one first.
• MoneyKH score: 6.8 / 10 — see full verdict below →

What Is Clik — and How Is It Different from ABA Pay?

This is the most common source of confusion, and it is worth addressing directly before anything else.

ABA Pay is the payment function inside the consumer-facing ABA Mobile app. It is what individual Cambodians use when they scan a QR code at a restaurant or transfer money to a friend. ABA Pay is part of ABA Mobile — the app that ABA’s retail banking customers already use to check balances, make transfers, and manage their accounts.

Clik is a separate app and platform specifically designed for the merchant side of that transaction. When a restaurant owner wants to accept QR payments from ABA Pay users, they sign up for Clik. When a retailer wants to generate a dynamic QR code for a specific transaction amount, they use Clik. When a café wants to reconcile the day’s payment receipts from multiple cashiers, they use the Clik dashboard.

The distinction matters because it defines who each product is for and how each should be evaluated. ABA Pay is competing with TrueMoney, Pi Pay, and Wing Bank as a consumer payment choice. Clik is competing with Wing Business, Pi Pay’s merchant tools, and traditional POS terminal providers as a merchant collections solution.

In the context of Cambodia’s broader fintech landscape, Clik represents ABA’s strategy to capture both sides of the payment network — dominating consumer payment behaviour through ABA Mobile while locking in merchant acceptance through Clik. The strategy is working: ABA’s merchant network of over 200,000 acceptance points is the largest of any payment provider in Cambodia in 2026.

Clik is NBC-compliant and operates under ABA Bank’s commercial banking licence. The platform supports Cambodia’s national KHQR standard, which means merchants using Clik can technically accept payments from any KHQR-compatible wallet — not just ABA Pay. In practice, the overwhelming majority of Clik transaction volume comes from ABA Pay users given ABA’s dominant market share in Cambodia’s urban consumer payment market.

Clik Merchant Features — What You Can Do

✅ Core Merchant Features

• Static QR display: Generate a permanent QR code for your business that customers scan to pay any amount they choose — the simplest setup for market stalls, small retailers, and sole traders
• Dynamic QR generation: Create a QR code for a specific transaction amount — the customer scans and the exact amount is pre-populated, reducing errors at point of sale
• KHQR compatibility: Clik QR codes use the NBC’s KHQR national standard, enabling acceptance from any KHQR-enabled wallet, not only ABA Pay
• Real-time payment notifications: Instant push notification and sound alert when a payment is received — eliminates the need for the customer to show their screen as confirmation
• Transaction history dashboard: View all incoming payments, filter by date or amount, export records for accounting reconciliation
• Multi-cashier / multi-branch: Businesses with multiple staff members or locations can assign separate Clik sub-accounts to each, with settlement consolidated to the main ABA business account
• Refund management: Process refunds to paying customers directly through the Clik interface
• Settlement reporting: Daily settlement summaries automatically generated — useful for bookkeeping and monthly reconciliation

💡 Value-Added Features

• ABA ecosystem integration: Because Clik settles directly to ABA, merchants can immediately use incoming payment funds through their ABA account — for payroll, supplier payments, or ABA loan repayments — without an additional transfer step
• Merchant marketing via ABA: ABA periodically runs consumer promotions that drive spend at Clik-enabled merchants — cashback campaigns, double-points events, or app-based discovery features visible to ABA Mobile’s millions of users
• QR printout support: Clik QR codes can be printed as static display materials — table cards, counter stickers, or framed displays — without needing a device at the point of payment
• No hardware cost: Unlike traditional POS terminal providers that charge equipment rental or purchase fees, Clik requires only a smartphone and the free app. For small merchants, this is a meaningful cost advantage.

What Clik does not offer is equally important to note. It is not a lending product — unlike some merchant payment platforms in other markets that offer merchant cash advances against payment history, Clik does not currently provide any form of working capital lending based on transaction volume. It is also not a multi-bank settlement platform: funds go to ABA and only ABA. Merchants who bank primarily with ACLEDA or Canadia Bank face an extra step if they want to use Clik — they must either open an ABA account for settlement or manually transfer received funds onward.

Fees, MDR & Settlement — What Merchants Actually Pay

This is the section where complete transparency requires acknowledging a real limitation: ABA does not publicly publish its Merchant Discount Rate (MDR) schedule for Clik. The MDR is the fee ABA charges merchants for processing QR payment transactions — it is deducted from each incoming payment before it reaches the merchant’s account, or billed separately depending on the agreement structure.

What MoneyKH can confirm:

MoneyKH note on MDR opacity: The lack of a published MDR schedule is the single biggest practical friction point in evaluating Clik. Merchants who want to compare Clik against Wing Business or a traditional EFTPOS terminal cannot do so without calling ABA. This is a genuine transparency gap that ABA should address. Until they publish rate tiers, any merchant considering Clik should request a written MDR quote from ABA Business Banking before committing.

For context on how Cambodia’s banking fees compare more broadly, see our Cambodia savings account rates guide and best banks in Cambodia comparison.

How to Set Up Clik as a Merchant — Step by Step

The registration process is straightforward for businesses that already have an ABA Bank account. For businesses that do not, opening an ABA account is the prerequisite first step.

Step 1 — Open or confirm an ABA Bank business account
Clik settlement requires an ABA account. If your business already banks with ABA, you can proceed directly. If not, visit any ABA branch with your business registration documents, owner ID, and proof of address. ABA’s business account opening process is covered in our bank account opening guide.

Step 2 — Download the Clik app
Clik is available on both Android (Google Play) and iOS (App Store) as a separate app from ABA Mobile. Search “Clik by ABA” to find the correct application.

Step 3 — Register your merchant account
Open Clik and select “Register as Merchant.” You will need to provide your ABA account number, business name, business category, and contact information. ABA verifies merchant registrations — approval typically takes one to three business days.

Step 4 — Link your ABA account
Once approved, link the ABA account where you want settlements to be deposited. Businesses with multiple accounts can designate a primary settlement account.

Step 5 — Generate and display your QR code
From the Clik dashboard, generate your merchant QR code. You can display it digitally on a tablet or phone at your counter, or request a printed QR display from ABA. For businesses with multiple cashiers, create sub-accounts for each staff member with individual QR codes that all settle to the main account.

Step 6 — Test a transaction
Before going live, run a small test payment from an ABA Mobile account to confirm the QR code works correctly and the notification reaches your device. Check that the settlement records in your Clik dashboard match what arrives in your ABA account.

Clik vs Pi Pay Merchant vs Wing Business — Side-by-Side

Cambodian merchants evaluating QR payment acceptance in 2026 typically compare three options: Clik by ABA, Pi Pay’s merchant tools, and Wing Business. Here is how they differ on the dimensions that matter for businesses.

The honest summary for merchants: If your customers are urban Cambodians in Phnom Penh, Siem Reap, or Sihanoukville, accepting Clik — i.e., accepting ABA Pay — is close to non-negotiable in 2026. ABA’s market penetration in urban Cambodia means a meaningful share of your customers will be ABA Mobile users. Not accepting it risks losing those transactions. For rural or provincial businesses, Wing Bank’s network may be more relevant to your actual customer base.

For SME owners comparing their broader banking and financing options beyond payment acceptance, see our SME loans in Cambodia guide.

Who Should Use Clik — and Who Should Not

Clik is the right tool if:

• Your business already has an ABA Bank account and you want seamless same-day settlement without additional transfer steps
• You operate in an urban Cambodia setting where the majority of your customers are ABA Mobile users
• You want a zero-hardware QR acceptance solution with a real-time notification system and multi-cashier support
• You want your business to appear in ABA’s merchant network, giving visibility to millions of ABA app users looking for nearby merchants
• You run a café, restaurant, retail store, or lifestyle business in Phnom Penh’s BKK, Daun Penh, or Chamkarmon districts

Clik is not the right tool if:

• You need settlement to a non-ABA bank account without an additional transfer step — opening a second ABA account adds overhead
• Your business is in a rural or provincial town where your customers are more likely to use Wing Bank or rely on cash
• You need a POS terminal that handles card payments — Clik is QR-only and does not process Visa or Mastercard
• You are looking for a merchant cash advance or lending product linked to your payment history — Clik does not offer this
• You require a multi-bank settlement option that distributes incoming payments across accounts at different institutions

Many Cambodian businesses sensibly adopt more than one QR acceptance platform. Running Clik alongside a Bakong KHQR setup — which allows any KHQR wallet to pay — covers most of the addressable cashless payment market without requiring customers to use a specific app.

MoneyKH Verdict — Clik by ABA 2026

MoneyKH Score: 6.8 / 10

Overall: 6.8 / 10

Clik by ABA is a competent, well-supported merchant payment platform that earns its score through ABA’s exceptional merchant network reach and clean app execution. It loses points primarily on fee transparency — the unpublished MDR schedule is a genuine problem for merchant decision-making — and on settlement flexibility, since non-ABA merchants face friction that competitors do not impose.

For any urban Cambodian business that is already an ABA customer, Clik is effectively the default choice for QR payment acceptance, and the 6.8 should be read in that context: it is a solid, reliable tool in the right setting, not a mediocre product. Its competition is not a better merchant QR platform — it is the question of whether ABA’s ecosystem lock-in is a cost your business is comfortable accepting.

Businesses outside the ABA ecosystem, operating in rural areas, or needing card acceptance alongside QR should evaluate alternatives before committing to Clik as their sole payment acceptance channel.

→ Compare all Cambodia digital wallets →
→ How Bakong KHQR works for merchants and consumers →
→ Full ABA Bank review 2026 →

Frequently Asked Questions — Clik by ABA Cambodia 2026

What is the difference between Clik and ABA Pay?
ABA Pay is the payment function inside the ABA Mobile consumer app — it is how customers send money and pay merchants. Clik is a separate app for merchants to receive those payments, track transactions, and manage settlement to their ABA account. ABA Pay is consumer-facing; Clik is merchant-facing.

Do I need an ABA Bank account to use Clik?
Yes. Clik settles all received payments to an ABA Bank account. Businesses without an ABA account must open one before they can register for Clik. See our guide to opening a bank account in Cambodia for the documentation required.

Can customers from other banks and wallets pay via Clik?
Yes. Clik supports Cambodia’s national KHQR standard, which means any KHQR-compatible wallet — including TrueMoney, Pi Pay, and Wing Bank — can scan a Clik QR code and complete a payment. In practice, the majority of Clik transaction volume comes from ABA Pay users.

What does Clik charge merchants per transaction?
ABA applies a Merchant Discount Rate (MDR) to Clik transactions, but does not publish its rate schedule publicly. The MDR is the cost the merchant pays for accepting the payment — the consumer pays nothing extra. Contact ABA Business Banking directly for a rate quote specific to your business type and transaction volume.

Can I use Clik without a smartphone at the point of sale?
Yes. Clik allows merchants to generate a static QR code that can be printed and displayed as a physical sign, table card, or counter sticker. Customers scan the printed QR with their payment app, enter the amount, and confirm. The merchant receives a notification on their linked phone. No device needs to be present at the exact point of sale.

Is Clik safe and regulated?
Yes. Clik operates under ABA Bank’s commercial banking licence, which is issued and supervised by the National Bank of Cambodia (NBC). Merchant settlements are held in regulated ABA accounts. ABA is Cambodia’s largest private commercial bank by assets and account holders in 2026.

Can I use Clik alongside other QR payment platforms?
Yes. There is no exclusivity requirement. Many Cambodian businesses run Clik alongside a standalone Bakong KHQR display or a Pi Pay merchant account. Running multiple QR acceptance methods broadens your ability to accept payments from the widest possible range of customer apps.

Does Clik support refunds?
Yes. The Clik app includes a refund function that allows merchants to return payments to customers who paid via the platform. Refunds are processed through the Clik interface and do not require the merchant to make a separate bank transfer.

MoneyKH · Cambodia Personal Finance Authority Platform
Article 22 · Digital Wallets Category · April 2026
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MoneyKH Research Team

The MoneyKH Research Team comprises independent financial researchers, market analysts, and editorial professionals with direct on-ground knowledge of Cambodia’s banking, fintech, and financial services sector. All rates, fees, and product data published on MoneyKH are verified directly with each institution before publication. MoneyKH operates as an editorially independent platform with no affiliate partnerships — see our editorial policy for full disclosure.