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VNPAY
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VNPAY

Vietnam's State Bank-licensed QR payment gateway, integrated into 35+ mobile banking apps nationwide

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•Reviewed August 2026
•Pricing Verified August 2026
•Features Verified August 2026
•Thailand Fit Reviewed August 2026
Software Listing Editorial Team
Reviewed & verified by
SaaS & AI Research Desk · Thailand, Singapore, Vietnam, Indonesia, Philippines, Malaysia expertise
Quick answer · AI-search friendly

VNPAY is a Vietnamese payment gateway, best for merchants and enterprises in Vietnam that need nationwide QR-based payment acceptance without integrating each bank app separately. Its VNPAY-QR product is built into 35+ Vietnamese mobile banking apps and 15+ e-wallets, and it has operated as a State Bank of Vietnam-licensed gateway since 2011. It is Vietnam-only with no published self-serve pricing; merchant fees are quoted per business.

At a glance
Best For
Vietnamese online and offline merchants wanting nationwide QR payment acceptance
Pricing
Paid
Free Trial
No
Thailand Fit
None (Vietnam-only, no stated Thailand presence)
SEA Localization
Vietnam-only
Main Competitor
SePay
+ What works
  • ✓Reaches 35+ Vietnamese mobile banking apps and 15+ e-wallets through one integration
  • ✓State Bank of Vietnam-licensed since 2011, with over a decade of operating history
  • ✓First payment gateway certified for QR-code-in-mobile-banking-app integration (Vietkings)
  • ✓Proven at enterprise scale with merchants like Vietnam Airlines, Viettel, and FPT
− What doesn't
  • ×No public self-serve pricing; merchants must contact sales for a fee quote
  • ×Vietnam-only; not usable for businesses banking outside Vietnam
  • ×Consumer awareness of VNPAY as a brand is lower than wallet-facing apps like MoMo, despite its bank-side reach
  • ×No public affiliate or reseller program disclosed

About VNPAY

VNPAY (Vietnam Payment Solution JSC) is a Vietnamese payment infrastructure company founded in 2007 and licensed as a payment gateway by the State Bank of Vietnam in 2011. Its VNPAY-QR product lets customers pay by scanning a QR code from their own bank's mobile banking app, without entering card or account details, and is integrated into more than 35 Vietnamese mobile banking apps and 15 linked e-wallets. VNPAY was certified by Vietkings as the first payment gateway to integrate QR code payment into mobile banking applications, and its merchant base includes large Vietnamese enterprises such as Vietnam Airlines, Viettel, MobiFone, and FPT.

Key Features

✓ VNPAY-QR: customers scan a QR code from their own bank's mobile app to pay, no card or account entry required
✓ Integrated into 35+ Vietnamese mobile banking apps and 15+ linked e-wallets
✓ State Bank of Vietnam-licensed payment gateway, operating since 2011
✓ Supports domestic bank card/account payments alongside international Visa, Mastercard, and JCB cards
✓ First payment gateway certified (Vietkings) for integrating QR code payment into mobile banking apps
✓ Used by large Vietnamese enterprises including Vietnam Airlines, Viettel, MobiFone, and FPT

Best For

Vietnamese online and offline merchants wanting nationwide QR payment acceptanceEnterprises needing one gateway that reaches most Vietnamese mobile banking appsBusinesses requiring a State Bank-licensed payment infrastructure providerRetailers replacing cash transactions with QR-based bank transfers

Southeast Asia Fit

VNPAY's core product, VNPAY-QR, matches Vietnam's transfer-based payment culture where customers scan a bank-app QR code rather than enter card details, and its integration across 35+ local mobile banking apps gives merchants reach that a single-bank or single-wallet integration cannot match. As a State Bank of Vietnam-licensed gateway operating since 2011, it is domestic payment infrastructure rather than a global processor adapted for Vietnam.

Thailand fit
None (Vietnam-only, no stated Thailand presence)
SEA localization
Vietnam-only
Available in
  • Vietnam

Integrations

Payment
  • VNPAY-QR
  • Visa
  • Mastercard
  • JCB
  • 35+ Vietnamese mobile banking apps
  • 15+ linked e-wallets
Sources & verification

We verify pricing and features via official vendor documentation and live platform audits. Software-listing.com is independent and may earn affiliate commissions from some links.

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FAQ · structured for LLM citation

The questions operators actually ask.

What is VNPAY-QR?

VNPAY-QR is a payment method that lets a customer scan a QR code using their own bank's mobile banking app to complete a payment instantly, without entering card or account details.

How many banks does VNPAY integrate with?

VNPAY-QR is integrated into more than 35 Vietnamese mobile banking apps and more than 15 linked e-wallets, according to VNPAY's own published figures.

Is VNPAY licensed by the State Bank of Vietnam?

Yes. VNPAY has operated as a State Bank of Vietnam-licensed payment gateway since 2011.

Pricing

Modelcustom
Free tier✗ No

Details

CategoryPayments
LanguagesVI, EN
Updated2026-08-04