{"id":3084,"date":"2025-05-28T09:35:38","date_gmt":"2025-05-28T01:35:38","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3084"},"modified":"2025-05-28T09:35:38","modified_gmt":"2025-05-28T01:35:38","slug":"%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e9%92%b1%e5%8c%85%e5%bc%80%e5%8f%91%e8%80%85%e8%b5%84%e6%ba%90%e5%90%88%e9%9b%86","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/28\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e9%92%b1%e5%8c%85%e5%bc%80%e5%8f%91%e8%80%85%e8%b5%84%e6%ba%90%e5%90%88%e9%9b%86\/","title":{"rendered":"Vietnam Digital Wallet Developer Resource Collection"},"content":{"rendered":"<p>Below is a collection of resources for digital wallet developers in Vietnam, covering major payment platforms, API documentation, technical specifications and localisation support information to help developers quickly access the Vietnamese market:<\/p>\n<hr>\n<h3><strong>I. Mainstream Vietnamese digital wallets and developer portals<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>Momo Wallet<\/strong><\/p>\n<ul>\n<li>Official website. <a href=\"https:\/\/momo.vn\">https:\/\/momo.vn<\/a><\/li>\n<li>Developer documentation. <a href=\"https:\/\/developers.momo.vn\">Momo Developer Portal<\/a>\n<ul>\n<li>Supports APIs for payments, transfers, QR code generation, etc.<\/li>\n<li>Sandbox environment provides testing tools<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>ZaloPay<\/strong><\/p>\n<ul>\n<li>Official website. <a href=\"https:\/\/zalopay.vn\">https:\/\/zalopay.vn<\/a><\/li>\n<li>API Documentation. <a href=\"https:\/\/developers.zalopay.vn\">ZaloPay Open API<\/a>\n<ul>\n<li>Integration Guide (with Java\/PHP sample code)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>ViettelPay<\/strong> (Telecom operator background)<\/p>\n<ul>\n<li>Developer Centre. <a href=\"https:\/\/viettelpay.com.vn\/developer\">Viettel Digital Services<\/a><\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>VNPAY<\/strong> (Banking Union Programme)<\/p>\n<ul>\n<li>API Gateway. <a href=\"https:\/\/vnpay.gov.vn\/developer\">VNPAY Integration Manual<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>II. Key technologies and compliance requirements<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>safety certification<\/strong><\/p>\n<ul>\n<li>PCI DSS compliance (if processing credit card data)<br \/>\n<em>Reference:<a href=\"https:\/\/www.sbv.gov.vn\">Vietnam National Bank Security Standards<\/a><\/em><\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>QR code standards<\/strong><br \/>\nUse the Vietnam Common QR Code Specification:<code>VMQR<\/code> (Compatible with international EMVCo)<\/p>\n<\/li>\n<li>\n<p><strong>Essential Functions Interface Sample Code Repository (Github)<\/strong>::<\/p>\n<\/li>\n<\/ol>\n<pre><code class=\"language-python\"># Momo QR Generation Example (Python)<br>\r\nimport requests<br>\r\napi_endpoint = \"https:\/payment.momo\/v1\/generate-qr\"<br>\r\nheaders = {\"X-Access-Key\": \"YOUR_KEY\"}<br>\r\ndata = {<br>\r\n    \"amount\": 100000.<br>\r\n    \"orderId\": \"ORDER_123\",<br>\r\n    \"redirectUrl\": \"your_callback_url\" <br>\r\n}<br>\r\nresponse = requests.post(api_endpoint, json=data, headers=headers)<br>\r\n<\/code><\/pre>\n<hr>\n<p>III. Sandbox test account application route<br \/>\n| Platforms | Request a Link | Test Amount Limit |<br \/>\n|&#8212;&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;|<br \/>\n| ZaloPay | developers.zalopay\/sandbox-signup | \u2264500,000 VND\/pen |<br \/>\n| Momo | momo.dev\/sandbox-request | \u2264200,000 VND\/pen |<\/p>\n<hr>\n<p>IV. Localisation considerations<\/p>\n<ol>\n<li><strong>Language Support<\/strong>: UI needs to be in Vietnamese by default + English optional<br \/>\n2.<strong>Fee Modelling<\/strong>:: Typically 0.51 TP3T-1.1 TP3T transactions (higher for cross-border payments)<br \/>\n3.<strong>Hot Scenarios API<\/strong>:<br \/>\n-Top up your phone bill (<code>topup<\/code>) \/payment of utility bills (<code>billpay<\/code>)<br \/>\n4. User authentication: docking required<code>eKYC<\/code>Services such as [VNG ID](( https :\/\/id .vng.com .vn ))<\/li>\n<\/ol>\n<p>It is recommended to join the official developer community (Facebook group or forum) for the latest policy updates and technical support.<\/p>\n<p>Below is an advanced supplement to the Vietnam Digital Wallet Developer Resource, covering more practical tools, policy details and ecological alignment advice:<\/p>\n<hr>\n<h3><strong>V. Resources and tools for advanced development<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>SDK Official Library<\/strong><\/p>\n<ul>\n<li><strong>Momo Android\/iOS SDK<\/strong>: GitHub repositories provide<a href=\"https:\/\/github.com\/MomoPay\">Sample Projects<\/a><\/li>\n<li><strong>ZaloPay Webhook Debugging Tool<\/strong>: Real-time simulation of callback requests (developer backend login required)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Third-party packaging libraries (community maintenance)<\/strong><\/p>\n<pre><code class=\"language-javascript\">\/\/ Unofficial package for VNPAY for Node.js (npm install)<br>\r\nconst vnpay = require('vnpay-sdk');<br>\r\nconst client = new vnpay.Client({<br>\r\n    merchantCode: 'YOUR_MERCHANT_ID',<br>\r\n    secureSecret: 'YOUR_HASH_KEY'<br>\r\n});<br>\r\n<\/code><\/pre>\n<\/li>\n<li>\n<p><strong>Postman API Collection<\/strong><br \/>\nMultiple platforms provide pre-configured Postman environment files:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.postman.com\/viettelpay\/workspace\">ViettelPay Collection<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>VI. Compliance and Bank Docking Key Points<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>Cross-border payment licences<\/strong><br \/>\nIf international collection is involved, an additional licence is required (refer to)<a href=\"https:\/\/sbv.gov.vn\/webcenter\/portal\/en\/home\/sbv\/legal\">SBV No. 21\/2024<\/a>)<\/p>\n<\/li>\n<li>\n<p><strong>Anti-Money Laundering (AML) Interface Requirements<\/strong><br \/>\nOne of the government-mandated authentication systems must be integrated:<\/p>\n<ul>\n<li><strong><a href=\"https:\/\/ekyc.gov.vn\">National eKYC Platform<\/a><\/strong> (Citizen database direct link)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Handling Fee Tax Processing API Sample Code<\/strong>:<\/p>\n<\/li>\n<\/ol>\n<pre><code class=\"language-java\">\/\/ Vietnam local VAT calculation (for business accounts)<br>\r\npublic double calculateVAT(double amount, String serviceType) {<br>\r\n    double rate = switch(serviceType) {<br>\r\n        case \"DOMESTIC_PAYMENT\" -&gt; 0.01; \/\/ 1% VAT<br>\r\n        case \"CROSS_BORDER\" -&gt; 0.05; \/\/ 5% VAT<br>\r\n        default -&gt; throw new IllegalArgumentException();<br>\r\n    };<br>\r\n    return amount * rate.<br>\r\n}<br>\r\n<\/code><\/pre>\n<hr>\n<p>VII. Performance optimisation recommendations<br \/>\n| Scene | Recommended Solutions |<br \/>\n|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;|<br \/>\n| QR Code High Frequency Generation | CDN Caching + Pre-generation Mechanism |<br \/>\n| OTP delay | Access to multiple carriers (SMS Gateway such as<a href=\"https:\/\/vinsms.vn\">VinSMS<\/a>) |<br \/>\n| Webhook timeout | AWS Lambda Vietnam Node Deployment (<code>ap-southeast-1<\/code>) |<\/p>\n<hr>\n<p>VIII. Alternative programmes and standby service providers<\/p>\n<ol>\n<li><em>Automatic switching of failed trades<\/em>The following alternate gateways can be accessed:<\/li>\n<\/ol>\n<pre><code class=\"language-mermaid\">graph LR.<br>\r\nA[main channel:Momo] --&gt; B{status code \u2260 200}.<br>\r\nB --&gt; C [downgraded to ZaloPay].<br>\r\nC --&gt; D [eventual fallback to Bank Transfer].<br>\r\n<\/code><\/pre>\n<p>2.<strong>Niche but fast-growing wallet APIs<\/strong>:<\/p>\n<ul>\n<li><strong><a href=\"https:\/\/partner.shopeemobile.com\/api\/v2\/wallet_docs\">ShopeePay<\/a><\/strong> (e-commerce scenario advantage)<\/li>\n<li><strong><a href=\"\">GrabPay Vietnam<\/a><\/strong><\/li>\n<\/ul>\n<hr>\n<p>IX, debugging skills and common error code table<\/p>\n<p>Typical errors and solutions:<br \/>\n| HTTP Status Codes | Momo Error Codes | Meaning | Countermeasure |<br \/>\n|&#8212;&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;<\/p>","protected":false},"excerpt":{"rendered":"<p>Here's a collection of resources for digital wallet developers in Vietnam, covering major payment platforms, A...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[34],"tags":[],"class_list":["post-3084","post","type-post","status-publish","format-standard","hentry","category-34"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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