Picture a 12-person shop in Hanoi selling on TikTok Shop and over a walk-in counter at the same time. Three tools sit underneath that little business. Xendit moves the money, Sapo keeps the orders straight, and KiotViet runs the till. All three shipped changes between 29 April and 29 June 2026. Here is what actually moved, and what it costs you on the ground.
Xendit (Payments / Payment Gateway, HQ Jakarta)
Xendit is pushing well past its Southeast Asian home turf. The company plans to switch on operations in the US and Australia in Q2 2026, sometime between April and June. Its Latin America rollout keeps going through 2026, opening first in Mexico and then Colombia. That is a Jakarta payments firm chasing four continents at once, which is ambitious for a gateway that still has gaps closer to home.
Here is one of those gaps. In Thailand, void capability is now live for Thai QR PromptPay transactions. But the QR refund capability is only slated for 2026, so it is not here yet. If you run a Bangkok store with frequent returns, that hole matters more than the map of new countries. You can cancel a charge today, yet you still cannot push a clean QR refund until later. For a fast-growing Thai merchant, that gap is the kind of thing that quietly annoys customers.
The Thailand pricing has not changed. PromptPay costs 0.8% per transaction, and local cards cost 3.2% per transaction. Put real numbers on that. On a 1,000 THB PromptPay sale, the fee is about 8 THB. Run the same 1,000 THB on a local card and you hand over roughly 32 THB instead. The wider model is also untouched: charges are transaction-based, with no monthly minimum and no setup fee. For a small merchant testing the waters, that no-minimum stance is the most merchant-friendly thing Xendit does.
Sapo (E-commerce + Omnichannel POS, HQ Hanoi)
The big Sapo story this window is a fee change that Sapo did not actually make. TikTok Shop Vietnam revised its seller fees effective 9 May 2026. For categories outside the full-fee table, the platform commission now defaults to 12.50% on Marketplace and 15.50% on Mall. On top of that sits a 6.00% transaction fee and a fixed order processing fee of 3,000 VND per delivered order. Every one of those orders flows through Sapo's TikTok Shop connector, so your net margin drops even though your software bill did not.
I want to be fair here: this fee hike belongs to TikTok, not Sapo. Still, it is a sharp reminder of the trap in marketplace-dependent margins. Do the math on a small basket. On a 200,000 VND order, the 6% transaction fee plus the 3,000 VND processing charge eats roughly 15,000 VND before TikTok's commission even lands. Stack the commission on and the bite gets real.
The connector itself is doing its job. It gives you centralized order, product, and customer management across multiple accounts. Stock counts go up and down automatically as TikTok Shop transactions happen. Order status syncs straight into Sapo's delivery management, so packing and shipping stay in one place. Sapo's own pricing held steady through the window, starting from 269,000 VND per month, with a free tier for small online-only stores. Keeping the free tier alive while marketplace fees climb is a quietly smart way to keep tiny sellers from leaving.
KiotViet (POS / Retail Operations, HQ Hanoi)
KiotViet made the move I respect most on this list. It bundled a full compliance suite into every subscription tier at no extra cost. That means e-invoice (hoa don dien tu), digital signature (chu ky so), and accounting software now come included. Vietnamese retailers used to pay separate vendors for exactly those three things. Folding them into the base price quietly undercuts buying each piece on its own.
The other update is on the payment side. KiotVietQR added AI features that lean practical rather than flashy. You get voice-command ordering and QR-code creation, instant payment notifications, and an automatic fund transfer about one second after a successful QR scan. For a busy counter in Hanoi during the lunch rush, that one-second confirmation is worth more than any buzzword.
Pricing is per outlet and last verified effective 1 May 2025. The Support tier runs 250,000 VND per month, Professional runs 310,000 VND per month, and Premium runs 490,000 VND per month. There is a 14-day free trial across devices. No new KiotViet price change was confirmed inside the 30 to 60 day window, so at 310,000 VND for Professional, that bundled compliance suite is the best-value line on this page.
Three companies, two cities, one pattern. The price on your dashboard is never the whole bill. Watch the percentages, because that is where the money actually leaks. For a small SEA seller, a half-percent here and a fixed fee there decide whether the month ends green or red.