MoMo Business
Merchant payment tools from MoMo, Vietnam's largest e-wallet, with QR codes and reusable payment links
MoMo Business is the merchant payment product of MoMo, Vietnam's largest e-wallet (operated by M_Service JSC, founded 2007). It is best for Vietnamese merchants, especially social-commerce sellers without a website, who want to collect payments through QR codes or reusable payment links without backend integration. Merchant fees are transaction-based, typically 1%-3%. It is Vietnam-only with no published flat-rate pricing beyond that range.
- ✓Direct access to MoMo's large existing consumer wallet base (23+ million reported active users)
- ✓Payment links require no backend or server-side development for micro-merchants
- ✓Reusable QR codes and links suit social-commerce sellers without a storefront
- ✓Backed by a well-funded, unicorn-valued company (Series E, Mizuho Bank-led, Dec 2021)
- ×No published flat-rate pricing; transaction fees are cited as a 1%-3% range rather than a fixed number
- ×Vietnam-only; not usable for merchants outside Vietnam's wallet ecosystem
- ×Consumer-brand wallet is optimized for individual users first, with merchant tools layered on top rather than built merchant-first
- ×No public affiliate or referral program disclosed for merchant acquisition
About MoMo Business
MoMo Business is the merchant payment product of MoMo, an e-wallet and super app operated by M_Service JSC, founded in 2007 in Ho Chi Minh City. Launched as a SIM-card top-up and transfer app in 2010 and relaunched as a smartphone e-wallet in 2014, MoMo reached tech-unicorn status after a $200 million Series E round led by Mizuho Bank in December 2021. MoMo Business lets merchants generate fixed or reusable QR codes and shareable payment links to collect payments without server-side integration, charging transaction-based merchant fees typically in the 1%-3% range.
Key Features
Best For
Southeast Asia Fit
MoMo Business sits on top of MoMo's position as one of Vietnam's largest e-wallets, giving merchants direct access to an existing wallet user base reported at 23+ million active users rather than requiring customers to install a new app. Its no-backend payment-link option addresses a specific gap for Vietnamese micro-merchants and social-commerce sellers who transact through Zalo, Facebook, and TikTok without a dedicated storefront.
- Thailand fit
- None (Vietnam-only, no stated Thailand presence)
- SEA localization
- Vietnam-only
- Vietnam
Integrations
- Payment
- MoMo QR
- MoMo Payment Links
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Related Analysis & Guides
The questions operators actually ask.
What is MoMo Business?
MoMo Business is the merchant payment-collection product of MoMo, Vietnam's e-wallet super app, letting merchants generate QR codes and payment links to receive payments from MoMo's wallet users.
How much does MoMo Business charge merchants?
MoMo charges transaction-based merchant fees typically in the 1%-3% range across e-commerce, travel, and F&B, rather than a single published flat rate.
Do merchants need a website to use MoMo Business?
No. MoMo's Payment Links feature is designed for merchants without a backend or website, letting them collect payments by sharing a link or reusable QR code.