How to add Vietnam Payment feature in WordPress?

Adding Vietnam payment function in WordPress website needs to choose the right payment gateway according to the target users and business needs. Below is the detailed implementation plan:

I. Mainstream Vietnam Payment Solutions

  1. Local Payment Gateway::

    • MoMo (Recommended)
    • ZaloPay
    • ViettelPay
    • VNPAY (for bank transfers)
  2. International payment platforms::

    • PayPal (need to confirm Vietnam account support)
    • Stripe (supports Vietnamese merchants from 2023)

II. Specific implementation steps

Option A: Use of dedicated plug-ins (recommended)

  1. VNPAY Official Plugin

    1. Download the plug-in: https://sandbox.vnpayment.vn/plugins/
    2. WooCommerce Settings → Payment → Enable VNPAY Gateway
    3. Configure merchant ID and key (VNPAY merchant account registration required)
  2. MoMo Integration Programme

    // Accessible via the following APIs:

    $endpoint = "https://payment.momo.vn/v2/gateway/api/create";
    $partnerCode = "YOUR_CODE";
    $accessKey = "YOUR_ACCESS_KEY";
    //... Other necessary parameters

B: WooCommerce integration (suitable for e-commerce sites)

1️⃣ _Installation_ `WooCommerce`  
2️⃣ _Add Gateway Extension_:.
- [ ] `WooViet` plugin (optimised for the Vietnamese market)
- [ ] `WC-Vietnam-Payment-Gateways`
3️⃣ _Configuring a sandbox environment for testing_

C: API direct interface (for developers)

//Sample: ZaloPay callback processing code snippet 

add_action('rest_api_init', function(){
register_rest_route('zalopay/v1','/callback', [
'methods' => 'POST',
'callback' => 'handle_zalopay_callback'
]);
});

III. Important considerations

⚠️ compliance requirement::

  • Decree TPP/TT53 requires that transaction data must be stored for at least 5 years
  • NRB may require additional foreign exchange declarations

💱 Currency Setting Suggestion:

update_option('woocommerce_currency', 'VND');
update_option('woocommerce_price_thousand_sep', '.') ;

📌 Performance optimisation tip: For highly concurrent transactions it is recommended to use.
✔️ Ipay Solution for VNPT
✔️ BankPlus' Enterprise APIs

Be sure to use the sandbox environment of each platform during the testing phase, and apply for PCI DSS certification for the production environment.

Need a more specific implementation for a particular payer, let me know your tech stack (whether you use Laravel/Woo, etc.) and I can provide targeted code samples.

Below are deep integration solutions and advanced optimisation recommendations for Vietnam Payments for different technology stacks:

I. Implementation programmes broken down by technology stacks

1. WooCommerce-specific configuration (e-commerce scenarios)
"`php
// Add a custom gateway in the theme's functions.php (using MoMo as an example)
add_filter('woocommerce_payment_gateways', 'add_momo_gateway');
function add_momo_gateway($gateways){
$gateways[] = 'WC_MoMo_Gateway';
return $gateways.
}

class WC_MoMo_Gateway extends WC_Payment_Gateway {
public function __construct() {
$this->id = 'momo';
$this->has_fields = false;
$this->method_title = __('MoMo Wallet', 'textdomain');
//...other initialisation settings
}
}
“`

Key Parameter Configuration:
- `return_url` must be the domain name of a server in Vietnam.
- Transaction amount to be converted to the smallest unit (1,000VND should be submitted as 1000)

2. Laravel hybrid development programme
"`bash
# Installing the payment SDK package
composer require vnpay/vnpay-sdk-php moip/moip-sdk
“`

"`php
// Sample payment button embedded in Blade template (VNPAY):
@if(config('payment.vnpay.enabled'))

@push('scripts')

@endpush
@endif
“`

II. Special treatment of direct bank connections

Vietcombank/VietinBank and other bank docking points:

1. Necessary materials:
- Notarised copy of the business licence of the enterprise
- SWIFT Code application form
- Certificate of PCI DSS Compliance

2. Differences in technology interface:
"`diff
+ BankPlus System Requirements SOAP Protocol Calls
- VCB SmartPay only supports TLS1.3 encryption
“`

3. Example of a reconciliation document processing script (Python).
"`python
# auto_reconcile.py

def process_vcb_statement(file).
import pandas as pd

df = pd.read_excel(file, skiprows=5) # VCB format needs to skip table headers

for index, row in df.iterrows()::
if row['Status'] == 'Completed':
update_woocommerce_order(
order_id=row['Reference'],
transaction_id=row['Trace ID']
)
“`

III. Performance and safety enhancements

A) High Concurrency Optimisation Programme

| Strategy | Implementation | Scenarios
|——–|————|————|
| Redis caches transaction status | `SETEX momo:order:1234 "pending"` | >100TPS for peak transactions |
| GeoDNS Intelligent Routing | AWS Route53 + Ho Chi Minh Node | CDN Accelerated Static Resources |

B) PCI DSS Compliance Checklist

✅ _Must complete item_:
1️⃣ [ ] TLS certificates are replaced with those issued by Vietnamese CA agencies (GPKI/Safe-CA)
2️⃣ [ ] MySQL Audit Logging Enabled and Backup Offsite
3️⃣ [ ] Tokenisation replaces original card number storage

❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ ❌ Prohibited Operations_:
▢ GET method to pass the amount parameter
▢ JS direct processing of CVV/CVC inputs

IV. Debugging and Troubleshooting Guide

Common error code handling:
“`
VNPAY_ERROR_07 → IP whitelist does not contain server address (need to add in merchant backend)
MOMO_ERROR_113 → QR code expired (need to regenerate)
ZALOPAY_TIMEOUT → nginx tuning keepalive_timeout >60s
“`

Example of a log collection command:
"`bash
# WordPress dedicated debug mode (use with caution in production environments)
tail -f wp-content/plugins/woocommerce/logs/* \
/var/log/nginx/payment-api.log \
/tmp/vnpay_callback.log
“`

If test account numbers or sandbox credentials are required for a specific bank, I can provide templates of test information for the following organisations:
- Vietcombank Sandbox Application Form
- MoMo Developer Test Wallet Registration Process

Please indicate which specific aspect of the implementation details you are more concerned about and I will provide more precise technical documentation.