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SePay
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SePay

Vietnamese open-banking API automating VietQR payment reconciliation for SMEs and online sellers

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•Updated September 2026
•Pricing Verified September 2026
•Features Verified September 2026
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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.

At a glance
Best For
Vietnamese e-commerce sellers automating VietQR payment confirmation
Pricing
Paid
Free Plan
Yes
+ What works
  • ✓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
− What doesn't
  • ×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

✓ Real-time webhook notifications when a connected bank or e-wallet balance changes
✓ VietQR and NAPAS QR code generation for instant transfer-based payments
✓ Automatic transaction reconciliation replacing manual bank-statement matching
✓ Direct API connections to 12+ Vietnamese banks for live transaction data
✓ Automated Vietnamese e-invoice issuance triggered by confirmed payments
✓ In-store voice notification playback confirming QR payments within seconds

Best For

Vietnamese e-commerce sellers automating VietQR payment confirmationRetail stores in Vietnam needing instant voice alerts on QR code paymentsSMEs replacing manual bank-statement reconciliation with API webhooksVietnamese businesses needing automated e-invoice issuance tied to payments

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. It does publish its price, and the shape is unusual for a payment product: a monthly subscription metered by transaction count rather than a per-method merchant discount rate. Read on sepay.vn/bang-gia.html on 2026-09-14: a free tier at 0 VND a month covering 50 transactions, and a Startup ladder from 120,000 VND a month at 180 transactions upward, with a separate per-store eShop plan at 99,000 VND (70,000 VND on annual billing) per store per month and e-invoices at 100-600 VND each excluding 8% VAT. Because it charges for reconciliation rather than for acceptance, it has no card line to compare against its QR line.

Available in
  • SEA
  • Vietnam

Integrations

Payment
  • VietQR
  • NAPAS
  • Visa
  • Mastercard
  • JCB
Other
  • Banks

This profile was researched and written with AI from SePay's public pages, and AI assistants quote pages on this site. Something wrong or out of date? Email [email protected] with this page and a public source. Corrections are free, for every listing.

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Sources & verification

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Related Analysis & Guides

FAQ · structured for LLM citation

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.

Pricing

Modelsubscription
Free tier✓ Yes
0

Details

CategoryPayments
LanguagesEN, VI
Updated2026-09-14