The main platforms to consider for payment API integration in Vietnam are as follows:<\/p>\n
The latest API documentation is available in the Developer Centre of each platform:<\/p>\n
<?php
\r\nfunction execPostRequest($url, $data) {
\r\n $ch = curl_init($url);
\r\n curl_setopt($ch, CURLOPT_CUSTOMREQUEST, "POST");
\r\n curl_setopt($ch, CURLOPT_POSTFIELDS, json_encode($data));
\r\n curl_setopt($ch, CURLOPT_RETURNTRANSFER, true);
\r\n curl_setopt($ch, CURLOPT_HTTPHEADER, array(
\r\n 'Content-Type: application\/json',
\r\n 'Content-Length: ' . strlen(json_encode($data)))
\r\n );
\r\n $result = curl_exec($ch);
\r\n return json_decode($result); \/\/ decode response JSON to object PHP
\r\n}
\r\n
\r\n\/\/ Momo\u914d\u7f6e\u53c2\u6570 (\u4ece\u5546\u6237\u540e\u53f0\u83b7\u53d6)
\r\n$partnerCode = "MOMOXXXX";
\r\n$accessKey = "XXXXXXXXXX";
\r\n$secretKey = "XXXXXXXXXXXXXXXXXXXXXXXX";
\r\n
\r\n\/\/\u8ba2\u5355\u4fe1\u606f\u8bbe\u7f6e
\r\n$orderId = time() .""; \/\/ unique order ID
\r\n$orderInfo = "Thanh to\u00e1n qua MoMo"; \/\/ payment content description
\r\n$amount = $_POST['total_amount']; \/\/ total amount need pay
\r\n$notifyUrl = "https:\/\/yourdomain.com\/momo_notify.php"; \/\/ callback URL after payment success\/fail
\r\n$returnUrl = "https:\/\/yourdomain.com\/thankyou.php"; \/\/ redirect URL after payment complete
\r\n
\r\n\/\/\u751f\u6210\u7b7e\u540d(SHA256\u52a0\u5bc6)
\r\n$requestId= time()."";
\r\n$rawHash= "accessKey=".$accessKey."&amount=".$amount."&extraData=&ipnUrl=".$notifyUrl."&orderId=".$orderId."&orderInfo=".$orderInfo."&partnerCode=".$partnerCode."&redirectUrl=".$returnUrl."&requestId=".$requestId;
\r\n
\r\nif(isset($_SERVER['HTTPS']) && $_SERVER['HTTPS'] == 'on') {
\r\n $base_url_payment='https';
\r\n} else {
\r\n $base_url_payment='http';
\r\n}
\r\n
\r\n\/\/\u62fc\u63a5\u5b8c\u6574\u8bf7\u6c42\u6570\u636e
\r\narray (
\r\n 'partnerCode' => $partnerCode,
\r\n 'accessKey' => $accessKey,
\r\n 'requestId' => $requestId,
\r\n 'amount' => strval ($amount),
\r\n 'orderId' => strval ($order_id),
\r\n ...
\r\n);
\r\n
\r\ntry {
\r\n \/* call api to momo server *\/
\r\n if(!empty($_POST)){
\r\n header('Location : '.execPostRequest("...",...));
\r\n exit();
\r\n }
\r\n} catch(Exception ex){ ... }
\r\n?>
\r\n<\/code><\/pre>\nIV. VNPAY Integration Key Steps (Java example)<\/p>\n
public class VNPayConfig {
\r\n
\r\n public static String vnp_PayUrl = \"https:\/\/sandbox.vnpayment.vn\/paymentv2\/vpcpay.html\";
\r\n public static String vnp_Returnurl = \"http:\/\/localhost:8080\/vnp_return.jsp\";
\r\n public static String vnp_TmnCode = \"YourTmnCodeHere\";\t
\r\n ...
\r\n
\r\n \/\/ Generate secure hash with HMAC-SHA512 algorithm\t\t
\r\n private static String hmacSHA512(final String key,final String data){
\r\n try{
\r\n Mac sha512_HMAC=Mac.getInstance(\"HmacSHA512\");
\r\n SecretKeySpec secret_key=new Secret KeySpec(key.getBytes(), \"HmacSHA512\");
\r\n sha512_HMAC.init(secret_key);
\r\n byte[] binary_data=sha512_HMAC.doFinal(data.getBytes());
\r\n
\r\n StringBuilder sb=new StringBuilder(binary_data.length*2);
\r\n for(byte b : binary_data){
\r\n sb.append(String.format("%02x",b &0xff));
\r\n }
\r\n return sb.toString();
\r\n }catch(Exception e){throw new RuntimeException(e);}
\r\n }
\r\n
\r\n public Map createPayment(Long amount,String bankcode) throws UnsupportedEncodingException{
\r\n Calendar cld=Calendar.getInstance();
\r\n SimpleDateFormat formatter=new SimpleDateFormat(\"yyyyMMddHHmmss\");
\r\n
\r\n Map params=new HashMap();
\r\n params.put(\"vnp_Version\", \"2.1.0\");
\r\n params.put(\"vnp_Command\", \"pay\");
\r\n ...
\r\n
\r\n List fieldNames=new ArrayList(params.keySet());
\r\n Collections.sort(fieldNames).
\r\n
\r\n StringBuilder hashDataBuilder=new StringBuilder();
\r\n for(String fieldName : fieldNames){
\r\n if(params.get(fieldName)! =null&&!params.get(fieldName).isEmpty()){
\r\n hashDataBuilder.append((fieldName+\"\"));
\r\n ...
\r\n }
\r\n }
\r\n
\r\n SecureRandom randomSecureRandom=SecureRandom.getInstanceStrong();
\r\n int randomNumber=(int)(randomSecure Random.nextDouble()*100000000)+10000000;
\r\n
\r\n params.put(... ,String.valueOf(randomNumber));
\r\n
\r\n return signedParams;\t\t \t \t \t \t \t \t \t \t \t \t \t \t \t \t \t\t \t \t \t \t\t\t \t\t \t \t \t\t\t \t\t \t \t \t\t\t \t\t \t \t \t\t\t\t\t\t
\r\n}
\r\n<\/code><\/pre>\nV. Common Problems and Debugging Tips<\/p>\n
1.Signature verification failed<\/strong><\/p>\n\n- Is the SHA256\/HMAC-SHA512 algorithm implementation correct?<\/li>\n
- Is the order of the key and parameters strictly according to the documentation?<\/li>\n<\/ul>\n
2.callback processing<\/strong><\/p>\n if verify_signature(request.json): # Custom Signature Verification Function\t\t\t
\r\n if result_code==0.
\r\n logger.info(f \"Payment successful:{trans_id}\")
\r\n else.
\r\n logger.warning(\"Invalid signature detected!\")
\r\n return Response(status.HTTP_200_OK)
\r\n<\/code><\/pre>\n3.Test Environment Recommendations<\/strong>
\nAll platforms provide sandbox environments, as recommended:<\/p>\nVietnam Payment API Access Development Practical Guide (cont'd)<\/h1>\nV. Test environment recommendations and debugging techniques (continued)<\/h2>\n3.1 Addresses of sandbox environments by platform<\/h3>\n\n- Momo Sandbox<\/strong>: https:\/\/test-payment.momo.vn<\/a><\/li>\n
- VNPAY Sandbox<\/strong>: https:\/\/sandbox.vnpayment.vn\/apis\/<\/a><\/li>\n
- ZaloPay Test Environment<\/strong>: https:\/\/sb-openapi.zalopay.vn\/<\/a><\/li>\n<\/ul>\n
3.2 Postman Debugging Example<\/h3>\n\/\/ Momo payment request example (POST \/v2\/gateway\/api\/create)
\r\n{
\r\n \"partnerCode\": \"MOMOXKXX\".
\r\n \"partnerName\": \"Test Merchant\",
\r\n \"storeId\": \"Test Store\",
\r\n \"requestType\": \"captureWallet\".
\r\n \"ipnUrl\": \"https:\/\/yourdomain.com\/momo_callback\",
\r\n \/\/... Other required fields...
\r\n}
\r\n<\/code><\/pre>\nVI. ZaloPay Integration Key Code (Node.js example)<\/h2>\nconst crypto = require('crypto');
\r\nconst axios = require('axios');
\r\n
\r\n\/\/ ZaloPay\u914d\u7f6e\u53c2\u6570
\r\nconst config = {
\r\n app_id: '2554',
\r\n key1: 'sdngKKJmqEMzvh5QQcdD2A9XBSKUNaYn',
\r\n endpoint: 'https:\/\/sb-openapi.zalopay.vn\/v2\/create'
\r\n};
\r\n
\r\n\/\/\u751f\u6210MAC\u7b7e\u540d(HMAC-SHA256)
\r\nfunction generateMac(data, key) {
\r\n return crypto.createHmac('sha256', key)
\r\n .update(data)
\r\n .digest('hex');
\r\n}
\r\n
\r\nasync function createZaloPayment(order) {
\r\n
\r\n const timestamp = Date.now();
\r\n const uid = `${timestamp}${Math.floor(Math.random() *999)}`;
\r\n
\r\n const params = {
\r\n app_id: config.app_id,
\r\n app_trans_id: `${moment().format('YYMMDD')}_${order.id}`,
\r\n app_user: order.userId,
\r\n amount: order.amount,
\r\n item: JSON.stringify(order.items),
\r\n description:`Thanh toan don hang #${order.id}`,
\r\n };
\r\n
\r\n \/\/\u6309\u6587\u6863\u8981\u6c42\u6392\u5e8f\u5e76\u62fc\u63a5\u7b7e\u540d\u5b57\u7b26\u4e32
\r\n let dataStr= Object.keys(params).sort()
\r\n .map(key=>`${key}=${params[key]}`).join("&");
\r\n
\r\n params.mac= generateMac(dataStr,config.key1);
\r\n
\r\n try{
\r\n const response= await axios.post(config.endpoint,params);
\r\n if(response.data.return_code===1){
\r\n return response.data.order_url; \/\/\u8df3\u8f6c\u5230ZaloPay\u7684\u652f\u4ed8\u9875\u9762URL
\r\n }else{
\r\n throw new Error(`ZaloPay error:[${response.data.sub_return_code}] ${response.data.sub_return_message}`);
\r\n }
\r\n }catch(error){
\r\n console.error("\u8c03\u7528ZALOPAY API\u5931\u8d25:",error);
\r\n throw error;
\r\n }
\r\n}
\r\n<\/code><\/pre>\nVII. Notes on the deployment of the production environment<\/p>\n
7.1 SSL Certificate Requirements
\nAll callback interfaces must.<\/p>\n
\n- HTTPS protocol (HTTP not supported)<\/li>\n
- TLS version \u2265 1.2 (as specified by the Central Bank of Vietnam)<\/li>\n<\/ul>\n
7.2 IP Whitelist Settings
\nAdd the server IP to the whitelist in the merchant backend:<\/p>\n
# VNPAY Merchant Back Office Example.
\r\n120.72.*. * (your server's IP segment)
\r\n14.. *. * (Alternate IP segment)
\r\n<\/code><\/pre>\n7.3 Transaction limit management<\/p>\n
\n\n\nflat-roofed building<\/th>\n Single Minimum<\/th>\n Single Maximum<\/th>\n<\/tr>\n<\/thead>\n \n\nMOMO<\/td>\n 10,000\u20ab<\/td>\n 50,000,000\u20ab<\/td>\n<\/tr>\n \nVNPAY Unlimited<\/td>\n Maximum bank account balance<\/td>\n <\/td>\n<\/tr>\n \nZalo Pay Corporate Account<\/td>\n –<\/td>\n \u20ab20 billion\/day<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\nVIII. Multilingual error handling programme<\/p>\n
public class PaymentErrorHandler {
\r\n
\r\n private static final Map MOMO_ERRORS=new HashMap(){{
\r\n put(0, \"Giao d\u1ecbch th\u00e0nh c\u00f4ng\"); put(-6, \"Signature kh\u00f4ng h\u1ee3p l\u1ec7\");}};
\r\n
\r\n private static final Map VNPAY_ERRORS=new HashMap(){{
\r\n put(\"00\", \"GD thanh cong\");put(\"07\", \"Tr\u1eeb ti\u1ec1n th\u00e0nh c\u00f4ng GD b\u1ecb nghi ng\u1edd\");}};
\r\n
\r\n public String localizeError(String provider,int code,String locale){
\r\n switch(locale.toLowerCase()){
\r\n case \"vi\".
\r\n return \"vi\".equals(locale)?MOMO_ERRORS.get(code):getEnglishMessage(code);
\r\n default.
\r\n return getEnglishMessage(code);}}
\r\n}
\r\n<\/code><\/pre>\nIX. Performance optimisation recommendations<\/p>\n
Database design optimisation:<\/strong><\/p>\n id BIGSERIAL PRIMARY KEY ,
\r\n gateway VARCHAR(20)\/* momo\/vnpay\/zalopay *\/ ,
\r\n trans_id VARCHAR(64)\/* Gateway Transaction Number*\/ ,
\r\n status SMALLINT\/*0=pending, 1=success**\/ ,
\r\n created_at TIMESTAMPT NOT NULL DEFAULT NOW(),
\r\n INDEX idx_gateway_status(gateway.status));`
\r\n<\/code><\/pre>\nRedis caching application:<\/strong><\/p>\n cache_key=f'momo_callback_{transid}' if cache.get(cache_key).
\r\n logger.warning(f'Duplicate callback detected:{transid}')
\r\n else.
\r\n cache.set(cache_key,'processed',timeout=300)#5 minutes expires`
\r\n<\/code><\/pre>\nFor a more detailed implementation of a particular platform or if you encounter specific problems, you can tell me the areas of concern.<\/p>","protected":false},"excerpt":{"rendered":"
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