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Wallets · Available

ZaloPay

ZaloPay is the e-wallet of Zion, a VNG company, built into Zalo, Vietnam's most used messenger, and licensed by the State Bank of Vietnam for intermediary payment services: the checkout opens the ZaloPay app or shows a QR code, the payer confirms with a PIN or biometrics, and the provider confirms within seconds. There are no chargebacks; the flow covers pay-ins only.

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Key facts

Countries
Vietnam
Currencies
VND
Operations
Pay-in
Settlement
instant
Chargebacks
not possible

How a payment goes through

  1. 1The checkout opens the wallet app or shows its button
  2. 2The payer confirms in the app with a PIN or biometrics
  3. 3The wallet confirms the payment to the provider within seconds
  4. 4Webhook to the merchant; a refund goes back the same way

How a payment goes through

  1. The checkout offers ZaloPay: the app opens on a phone, a QR code appears on a desktop.
  2. The payer confirms the amount in the ZaloPay app with a PIN or biometrics.
  3. The provider confirms within seconds; a payment not confirmed in time expires.
  4. Tranzify writes the result and calls the merchant’s webhook.

ZaloPay against cards in Vietnam

ZaloPay is funded from a linked bank account or card, and the balance is spent from the wallet or the Zalo chat, so a payer needs no card at checkout. The method is live in the catalogue.

ZaloPay Cards
Who runs it Zion (VNG), licensed by the State Bank of Vietnam Visa and Mastercard through local acquirers
Confirmation seconds, in the app seconds, with 3-D Secure
Chargebacks none scheme rules
Payer needs the ZaloPay app or Zalo a card enabled for online payments
Payouts and refunds not in the flow scheme refunds

The integration covers pay-ins only: no payouts, refunds or recurring charges through this method.

Who uses it

E-commerce and retail, digital goods and gaming, delivery and on-demand services, iGaming and betting: the same checkouts that offer MoMo add ZaloPay to reach the payers who live in Zalo.

How to connect

  1. 1Onboard with Tranzify and get your network, keys and back office.
  2. 2Enter your account with the provider in the terminal settings — Tranzify already speaks its API.
  3. 3Add routing rules: countries, currencies, amounts, BIN ranges, priorities and weights.
  4. 4Go live. Every payment, callback and retry is in the journal for five years.

Providers offering this method

1 1DPay 2 methods · VN Available C CoPay 3 methods · VN Available

Industries

E-commerce & retailDigital goods & gamingDelivery & on-demandiGaming & betting

Frequently asked questions

How is ZaloPay different from MoMo?+
Both are licensed Vietnamese wallets with the same checkout flow. ZaloPay lives inside the Zalo messenger, so a payer who chats on Zalo already has it; a checkout for Vietnam usually offers both.
Are payouts or refunds possible?+
No. The integration covers pay-ins: no payouts, no refunds through the same operation and no recurring charges.
Who is the licensed party in Vietnam?+
The platform runs under the licensed client’s registration; the licensed local provider from the catalogue, CoPay or 1DPay, performs the intermediation. Tranzify supplies the software and does not hold funds.

Related methods

MO MoMo (Vietnam) Wallets · 1 countries Available VN VNPAY QR QR payments · 1 countries On request

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