SePay
Vietnamese open-banking API automating VietQR payment reconciliation for SMEs and online sellers
SePay is a Vietnamese open-banking and payment-reconciliation platform best for e-commerce sellers, retail stores, and SMEs in Vietnam that receive high volumes of VietQR or bank-transfer payments and want automatic confirmation instead of manual bank-statement checking. Its SEA edge is direct API connections to 12+ Vietnamese banks plus native VietQR/NAPAS support and Vietnamese e-invoicing. Caveat: it is Vietnam-specific with no public self-serve pricing disclosed, so it isn't a fit for businesses outside Vietnam's banking system.
- ✓Deep integration with 12+ Vietnamese banks for real-time transaction data
- ✓Native VietQR and NAPAS QR support matches how Vietnamese customers actually pay
- ✓Removes manual bank-statement reconciliation with automated webhooks
- ✓Bundles e-invoice issuance and voice payment notifications in one platform
- ×Vietnam-only; not usable for businesses banking outside Vietnam
- ×No public pricing page found, so cost comparison requires contacting sales
- ×Requires technical setup to consume webhooks and APIs, less turnkey for non-technical owners
- ×No disclosed affiliate or reseller program for regional agencies
About SePay
SePay is a Vietnam-based open-banking infrastructure provider that connects directly to 12+ Vietnamese banks to automate cash-flow operations: real-time payment confirmation, transaction reconciliation, e-invoice issuance, and voice notifications. It supports the VietQR and NAPAS QR gateways alongside international card payments, letting a business go from bank connection to live payment webhooks in about 5 minutes without manual bank-statement matching.
Key Features
Best For
Southeast Asia Fit
SePay is built entirely around Vietnam's domestic payment rails: VietQR and NAPAS QR transfers, direct integrations with 12+ local banks, and automated Vietnamese e-invoicing. That level of local-bank depth is specific to Vietnam's transfer-based payment culture, where customers pay by scanning a QR code linked to a bank account rather than by card, and SePay's webhook model removes the manual reconciliation work that comes with high transfer volume.
- SEA
- Vietnam
Integrations
- Payment
- VietQR
- NAPAS
- Visa
- Mastercard
- JCB
- Other
- Banks
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Related Analysis & Guides
The questions operators actually ask.
How many banks does SePay connect to?
SePay connects directly to more than 12 Vietnamese banks, pulling live transaction data to power real-time payment confirmation and reconciliation.
Does SePay support VietQR payments?
Yes. SePay supports the VietQR gateway and NAPAS QR (VietQRPay) alongside international card payments, and detects balance changes from scanned QR transfers within seconds.
What happens when a customer pays via SePay?
SePay detects the balance change from the connected bank, sends a real-time webhook to the merchant's POS or website to mark the order as paid, and can trigger e-invoice issuance and a voice payment notification, typically within about 10 seconds.