{"id":3111,"date":"2025-05-31T21:42:26","date_gmt":"2025-05-31T13:42:26","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3111"},"modified":"2025-05-31T21:42:26","modified_gmt":"2025-05-31T13:42:26","slug":"momo%e3%80%81zalopay%e3%80%81vnpay%ef%bc%9a%e8%b6%8a%e5%8d%97%e4%b8%89%e5%a4%a7%e9%92%b1%e5%8c%85%e5%85%a8%e5%af%b9%e6%af%94","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/31\/momo%e3%80%81zalopay%e3%80%81vnpay%ef%bc%9a%e8%b6%8a%e5%8d%97%e4%b8%89%e5%a4%a7%e9%92%b1%e5%8c%85%e5%85%a8%e5%af%b9%e6%af%94\/","title":{"rendered":"MoMo, ZaloPay, VNPay: A full comparison of the top three wallets in Vietnam"},"content":{"rendered":"

MoMo, ZaloPay, VNPay: A full comparison of the top three wallets in Vietnam<\/strong><\/h1>\n

In Vietnam, the mobile payment market has grown rapidly in recent years, with theMoMo, ZaloPay and VNPay<\/strong> are the three most popular e-wallets. They each have different advantages and are suitable for different user needs. In this article, we will make a detailed comparison in several dimensions to help you choose the most suitable payment method for you.<\/p>\n

1. Background and market share<\/strong><\/h2>\n

(1) MoMo - Vietnam's leading e-wallet<\/strong><\/h3>\n
    \n
  • Established<\/strong>:: 2014<\/li>\n
  • parent companies<\/strong>: MoMo Technology Corporation<\/li>\n
  • user scale<\/strong>:: Over 30 million users (as of 2023)<\/li>\n
  • specificities<\/strong>: MoMO is one of the first e-wallets launched in Vietnam with comprehensive functions and high coverage, especially specialising in micro-payment and daily consumption scenarios.<\/li>\n<\/ul>\n

    (2) ZaloPay - a leader in social payments<\/strong><\/h3>\n
      \n
    • Established<\/strong>:: 2017<\/li>\n
    • parent companies<\/strong>:: VNG Corporation (with its Zalo social platform)<\/li>\n
    • user scale<\/strong>:: Approximately 20 million active users (2023 data)<\/li>\n
    • specificities<\/strong>: ZaloPay relies on Zalo's large social ecosystem, which is suitable for youth and online transaction scenarios.<\/li>\n<\/ul>\n

      (3) VNPAY - a payment tool supported by banking giants<\/strong><\/h3>\n
        \n
      • Established<\/strong>:: 2007 (but VNPAY Wallet was introduced later)<\/li>\n<\/ul>\n

        2. Functionality Comparison: Which one works better, MoMo, ZaloPay or VNPay?<\/strong><\/h2>\n

        (1) Payment Scene Coverage<\/strong><\/h3>\n\n\n\n\n\n\n\n
        functionality<\/strong><\/th>\nMoMo<\/strong><\/th>\nZaloPay<\/strong><\/th>\nVNPay<\/strong><\/th>\n<\/tr>\n<\/thead>\n
        Offline code payment<\/td>\n\u2705<\/td>\n\u2705<\/td>\n\u2705<\/td>\n<\/tr>\n
        Online Shopping Payment<\/td>\n\u2705<\/td>\n\u2705<\/td>\n\u2705<\/td>\n<\/tr>\n
        Recharge of utility bills<\/td>\n\u2705<\/td>\n\u274c (partial support)<\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>","protected":false},"excerpt":{"rendered":"

        MoMo, ZaloPay, VNPay: A full comparison of the top three wallets in Vietnam In...<\/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-3111","post","type-post","status-publish","format-standard","hentry","category-34"],"yoast_head":"\nMoMo\u3001ZaloPay\u3001VNPay\uff1a\u8d8a\u5357\u4e09\u5927\u94b1\u5305\u5168\u5bf9\u6bd4 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/en\/2025\/05\/31\/momo\u3001zalopay\u3001vnpay\uff1a\u8d8a\u5357\u4e09\u5927\u94b1\u5305\u5168\u5bf9\u6bd4\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"MoMo\u3001ZaloPay\u3001VNPay\uff1a\u8d8a\u5357\u4e09\u5927\u94b1\u5305\u5168\u5bf9\u6bd4\" \/>\n<meta property=\"og:description\" content=\"MoMo\u3001ZaloPay\u3001VNPay\uff1a\u8d8a\u5357\u4e09\u5927\u94b1\u5305\u5168\u5bf9\u6bd4 \u5728…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/05\/31\/momo\u3001zalopay\u3001vnpay\uff1a\u8d8a\u5357\u4e09\u5927\u94b1\u5305\u5168\u5bf9\u6bd4\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-31T13:42:26+00:00\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/31\/momo%e3%80%81zalopay%e3%80%81vnpay%ef%bc%9a%e8%b6%8a%e5%8d%97%e4%b8%89%e5%a4%a7%e9%92%b1%e5%8c%85%e5%85%a8%e5%af%b9%e6%af%94\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/31\/momo%e3%80%81zalopay%e3%80%81vnpay%ef%bc%9a%e8%b6%8a%e5%8d%97%e4%b8%89%e5%a4%a7%e9%92%b1%e5%8c%85%e5%85%a8%e5%af%b9%e6%af%94\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"MoMo\u3001ZaloPay\u3001VNPay\uff1a\u8d8a\u5357\u4e09\u5927\u94b1\u5305\u5168\u5bf9\u6bd4\",\"datePublished\":\"2025-05-31T13:42:26+00:00\",\"dateModified\":\"2025-05-31T13:42:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/31\/momo%e3%80%81zalopay%e3%80%81vnpay%ef%bc%9a%e8%b6%8a%e5%8d%97%e4%b8%89%e5%a4%a7%e9%92%b1%e5%8c%85%e5%85%a8%e5%af%b9%e6%af%94\/\"},\"wordCount\":29,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u8d8a\u5357\u652f\u4ed8\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/05\/31\/momo%e3%80%81zalopay%e3%80%81vnpay%ef%bc%9a%e8%b6%8a%e5%8d%97%e4%b8%89%e5%a4%a7%e9%92%b1%e5%8c%85%e5%85%a8%e5%af%b9%e6%af%94\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/31\/momo%e3%80%81zalopay%e3%80%81vnpay%ef%bc%9a%e8%b6%8a%e5%8d%97%e4%b8%89%e5%a4%a7%e9%92%b1%e5%8c%85%e5%85%a8%e5%af%b9%e6%af%94\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/05\/31\/momo%e3%80%81zalopay%e3%80%81vnpay%ef%bc%9a%e8%b6%8a%e5%8d%97%e4%b8%89%e5%a4%a7%e9%92%b1%e5%8c%85%e5%85%a8%e5%af%b9%e6%af%94\/\",\"name\":\"MoMo\u3001ZaloPay\u3001VNPay\uff1a\u8d8a\u5357\u4e09\u5927\u94b1\u5305\u5168\u5bf9\u6bd4 - 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