QR payments · On request
VNPAY QR
VNPAY QR is the QR payment network of VNPAY, licensed by the State Bank of Vietnam for intermediary payment services: the checkout shows one code, the payer scans it in the mobile banking app of any partner bank or a supporting wallet and confirms, and the provider confirms within seconds. There are no chargebacks; the flow covers pay-ins only.
Key facts
- Countries
- Vietnam
- Currencies
- VND
- Operations
- Pay-in
- Settlement
- instant
- Chargebacks
- not possible
How a payment goes through
- 1The checkout shows a QR code (or a pay-by-link on mobile)
- 2The payer scans it in any bank or wallet app and confirms
- 3The provider matches the incoming payment and confirms
- 4Webhook to the merchant; the code expires if unpaid
How a payment goes through
- The checkout shows a VNPAY QR code with the amount; on a phone it can open the banking app directly.
- The payer scans the code in a partner bank’s app or a supporting wallet and confirms.
- The provider confirms within seconds; a code not paid in time expires.
- Tranzify writes the result and calls the merchant’s webhook.
VNPAY QR against the wallets
A wallet such as MoMo or ZaloPay is paid from that wallet’s own app; a VNPAY QR code is paid from the payer’s bank app, so the money leaves the bank account directly and no wallet balance is needed. A checkout for Vietnam offers both: the wallets for their users, the QR code for everyone with a banking app.
| VNPAY QR | MoMo, ZaloPay | |
|---|---|---|
| Who runs it | VNPAY, licensed by the State Bank of Vietnam | the wallet’s licensed operator |
| Paid from | partner banks’ apps and supporting wallets | the wallet’s own app |
| Confirmation | seconds | seconds |
| Chargebacks | none | none |
| Payouts and refunds | not in the flow | not in the flow |
Who uses it
E-commerce and retail, delivery and on-demand services, travel and mobility, digital goods and gaming: anywhere the payer is at a desktop with a phone in hand, or pays from a bank account rather than a wallet.
How to connect
- 1Onboard with Tranzify and get your network, keys and back office.
- 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
- 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
- 4Go live. Every payment, callback and retry is in the journal for five years.
Providers offering this method
Industries
Terms
Frequently asked questions
Which apps can pay a VNPAY QR code?+
Are payouts or refunds possible?+
Who is the licensed party in Vietnam?+
Related methods
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