Sources: State Bank of Vietnam, NAPAS and provider disclosures, 2024–2025.
How Vietnam pays
Vietnam has moved fast from cash on delivery to mobile payments. Most domestic debit cards run on NAPAS, the national card and switching network, which also operates VietQR, the standard that lets shoppers pay from any banking app by scanning a code. Cash on delivery remains common for marketplace orders.
E-wallets such as MoMo, ZaloPay and ShopeePay are widely used, under the oversight of the State Bank of Vietnam. International Visa and Mastercard cards serve the banked, cross-border segment. For an enterprise merchant, the starting point is international card acquiring through our global gateways, with the local methods Vietnamese shoppers use tracked as the way into the wider market, all behind one integration.
Why merchants run on us here
Card acquiring live today
International card acquiring for the banked, cross-border segment, with routing across acquirers and 3DS where it helps.
Bank transfer by QR
VietQR lets shoppers pay from any banking app by scanning a code, now a common way to settle online orders.
E-wallets
MoMo, ZaloPay and ShopeePay are how many Vietnamese shoppers pay on their phones.
Domestic cards on NAPAS
Many local debit cards run on NAPAS, the domestic scheme, which international acquiring alone does not reach.
Payment methods
Cards
Visa
Mastercard
American Express
Discover
Diners Club
JCB
UnionPayBuy Now, Pay Later
Sandbox BNPLDigital wallets
PayPalExpress checkout
Apple Pay
Google PayGateways
Sandbox BNPLPayPal
Airwallex
Stripe
Adyen
Unlimit
Worldpay
Checkout.com
Authorize.net
MPGS
Cybersource
Sandbox GatewayAirwallex (Enterprise)
Braintree
CommerceHub
Fiserve
NMI
Nuvei
OrbitalBuilt for enterprise
Everything it takes to run payments in Vietnam
Local payment methods are only half the job. We carry the operational weight — acquiring, settlement, FX, licensing and reconciliation — so you can treat Vietnam like any other market in your stack.
One integration, growing local coverage
Connect once for what's live in Vietnam today — including international card acquiring — and add local wallets and bank rails through the same integration as we bring them online.
Local acquiring, higher approvals
We route to local acquirers and retry failed payments across alternate rails, so domestic cards and wallets authorize at local rates instead of being declined as cross-border traffic.
Settlement, FX & repatriation
Collect in the Vietnamese dong (VND) and settle in your base currency. We handle the FX conversion and the local rules for moving funds out of the country — the part most global merchants underestimate.
Licensing handled locally
We're establishing locally licensed partners so you can process in-country as we expand local coverage — without standing up your own entity or chasing a license.
Payouts & reconciliation
Pay out to sellers and process refunds on the same rails you collect on, and reconcile every flow — pay-in, payout, refund — in one ledger, in local or base currency.
Fraud, disputes & compliance
Real-time screening, chargeback and dispute handling, and KYC/AML that matches local regulator expectations — built in, not bolted on.
Ready to launch in Vietnam?
Talk to our payments team about going live in Vietnam — coverage, local acquiring, settlement and timelines for your business.