Vietnam payment interface access to the whole process in detail

I. Pre-preparation phase

Market research and compliance review
- Understanding Vietnam's financial regulatory policies (SBV regulations)
- Confirmation of target payment method (local bank transfer, e-wallet, etc.)
- Study of PCI DSS and other international safety standard requirements
Enterprise qualification preparation
- Business licence (need to register in Vietnam or find a local partner)
- Payment business licence issued by SBV (if required)
- KYC/AML Compliance Documents
Assessment of the technological environment
- Server location selection (South-East Asia node recommended)
- HTTPS Certificate Configuration
- IP Whitelist Setting

II. Mainstream payment channel options

A. Direct Bank Connect Programme

Gateway to large banks such as Vietcombank, VietinBank, BIDV, etc.
Napas National Payment Switch Access

B. Third-party aggregation platforms

OnePay (credit/debit card support)
MoMo (largest e-wallet by market share)
ZaloPay
VNPAY-QR (2D Code Standard)

C. Cross-border payment programmes

1. Payoo
2. Ngan Luong

III. Technical docking process (VNPAY as an example)

Step 1: Merchant Registration
-Submit business information to VNPAY official website (https://vnpay.vn)
-Get the Merchant ID and Hash Secret.

Step 2: API Integration

// PHP sample code (VNPAY)

$vnp_Url = "https://sandbox.vnpayment.vn/paymentv2/vpcpay.html";

$vnp_HashSecret = "YourHashSecret";



$inputData = array(

    "vnp_Version" => "2",

    "vnp_TmnCode" => $vnp_TmnCode,

    "vnp_Amount" => $amount *100,

    //... Other required parameters...

);



// Generate signature

ksort($inputData).

$hashdata = "";

foreach ($inputData as $key => $value) {

    $hashdata . = urlencode($key)." =".

                urlencode($value)." &";

}

$vnpSecureHash = hash_hmac('sha512', 

                          rtrim($hashdata,'&'), the 

                          $vnp_HashSecret).

Step 3: Test Environment Validation
-Use a sandbox account to complete full process testing:
Order Creation → Jump Payment → Asynchronous Notification → Query Interface

Step 4: Production environment deployment
-Replaced with official API endpoints
-Configure the IPN to receive URLs
-Set up automated processes for reconciliation

IV. Key considerations

1.Currency processing:: VND only supported, amount to be x 100 transmission (no decimal places)
2.Language Support:: Interface provides at least Vietnamese + English options
3.Refund rules:: Refund timeframe varies by channel (usually T+3 working days)
4.Fee structure:: Domestic transactions 0

Vietnam payment interface access to the whole process in detail