{"id":3368,"date":"2025-06-23T14:24:14","date_gmt":"2025-06-23T06:24:14","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3368"},"modified":"2025-06-23T14:24:14","modified_gmt":"2025-06-23T06:24:14","slug":"%e8%b6%8a%e5%8d%97%e6%94%af%e4%bb%98%e6%8e%a5%e5%8f%a3%e6%8e%a5%e5%85%a5%e5%85%a8%e6%b5%81%e7%a8%8b%e8%af%a6%e8%a7%a3","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/06\/23\/%e8%b6%8a%e5%8d%97%e6%94%af%e4%bb%98%e6%8e%a5%e5%8f%a3%e6%8e%a5%e5%85%a5%e5%85%a8%e6%b5%81%e7%a8%8b%e8%af%a6%e8%a7%a3\/","title":{"rendered":"Vietnam payment interface access to the whole process in detail"},"content":{"rendered":"<h1>Vietnam payment interface access to the whole process in detail<\/h1>\n<h2>I. Pre-preparation phase<\/h2>\n<ol>\n<li>\n<p><strong>Market research and compliance review<\/strong><\/p>\n<ul>\n<li>Understanding Vietnam's financial regulatory policies (SBV regulations)<\/li>\n<li>Confirmation of target payment method (local bank transfer, e-wallet, etc.)<\/li>\n<li>Study of PCI DSS and other international safety standard requirements<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Enterprise qualification preparation<\/strong><\/p>\n<ul>\n<li>Business licence (need to register in Vietnam or find a local partner)<\/li>\n<li>Payment business licence issued by SBV (if required)<\/li>\n<li>KYC\/AML Compliance Documents<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Assessment of the technological environment<\/strong><\/p>\n<ul>\n<li>Server location selection (South-East Asia node recommended)<\/li>\n<li>HTTPS Certificate Configuration<\/li>\n<li>IP Whitelist Setting<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h2>II. Mainstream payment channel options<\/h2>\n<h3>A. Direct Bank Connect Programme<\/h3>\n<ol>\n<li>Gateway to large banks such as Vietcombank, VietinBank, BIDV, etc.<\/li>\n<li>Napas National Payment Switch Access<\/li>\n<\/ol>\n<h3>B. Third-party aggregation platforms<\/h3>\n<ol>\n<li>OnePay (credit\/debit card support)<\/li>\n<li>MoMo (largest e-wallet by market share)<\/li>\n<li>ZaloPay<\/li>\n<li>VNPAY-QR (2D Code Standard)<\/li>\n<\/ol>\n<h3>C. Cross-border payment programmes<\/h3>\n<p>1. Payoo<br \/>\n2. Ngan Luong<\/p>\n<p>III. Technical docking process (VNPAY as an example)<\/p>\n<p><strong>Step 1: Merchant Registration<\/strong><br \/>\n-Submit business information to VNPAY official website (<a href=\"https:\/\/vnpay.vn\">https:\/\/vnpay.vn<\/a>)<br \/>\n-Get the Merchant ID and Hash Secret.<\/p>\n<p><strong>Step 2: API Integration<\/strong><\/p>\n<pre><code class=\"language-php\">\/\/ PHP sample code (VNPAY)<br>\r\n$vnp_Url = \"https:\/\/sandbox.vnpayment.vn\/paymentv2\/vpcpay.html\";<br>\r\n$vnp_HashSecret = \"YourHashSecret\";<br>\r\n<br>\r\n$inputData = array(<br>\r\n    \"vnp_Version\" =&gt; \"2\",<br>\r\n    \"vnp_TmnCode\" =&gt; $vnp_TmnCode,<br>\r\n    \"vnp_Amount\" =&gt; $amount *100,<br>\r\n    \/\/... Other required parameters...<br>\r\n);<br>\r\n<br>\r\n\/\/ Generate signature<br>\r\nksort($inputData).<br>\r\n$hashdata = \"\";<br>\r\nforeach ($inputData as $key =&gt; $value) {<br>\r\n    $hashdata . = urlencode($key).\" =\".<br>\r\n                urlencode($value).\" &amp;\";<br>\r\n}<br>\r\n$vnpSecureHash = hash_hmac('sha512', <br>\r\n                          rtrim($hashdata,'&amp;'), the <br>\r\n                          $vnp_HashSecret).<br>\r\n<\/code><\/pre>\n<p><strong>Step 3: Test Environment Validation<\/strong><br \/>\n-Use a sandbox account to complete full process testing:<br \/>\nOrder Creation \u2192 Jump Payment \u2192 Asynchronous Notification \u2192 Query Interface<\/p>\n<p><strong>Step 4: Production environment deployment<\/strong><br \/>\n-Replaced with official API endpoints<br \/>\n-Configure the IPN to receive URLs<br \/>\n-Set up automated processes for reconciliation<\/p>\n<p>IV. Key considerations<\/p>\n<p>1.<strong>Currency processing<\/strong>:: VND only supported, amount to be x 100 transmission (no decimal places)<br \/>\n2.<strong>Language Support<\/strong>:: Interface provides at least Vietnamese + English options<br \/>\n3.<strong>Refund rules<\/strong>:: Refund timeframe varies by channel (usually T+3 working days)<br \/>\n4.<strong>Fee structure<\/strong>:: Domestic transactions 0<\/p>\n<p><!-- UI\u672c\u5730\u5316\u793a\u4f8b --><\/p>\n<div class=\"payment-methods\">\n    <img decoding=\"async\" src=\"momo-logo.png\" alt=\"MoMo\"><br \/>\n    <img decoding=\"async\" src=\"zalo-pay.png\" alt=\"ZaloPay\"><br \/>\n    <!-- Vietnam Bank Icons -->\n<\/div>\n<p><!-- QR\u7801\u5c55\u793a\u533a\u57df --><\/p>\n<div id=\"vnpay-qr\" data-merchant-id=\"YOUR_ID\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Vietnam payment interface access to the whole process in detail I. Pre-preparation stage Market research and compliance...<\/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-3368","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) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u8d8a\u5357\u652f\u4ed8\u63a5\u53e3\u63a5\u5165\u5168\u6d41\u7a0b\u8be6\u89e3 - 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\/06\/23\/\u8d8a\u5357\u652f\u4ed8\u63a5\u53e3\u63a5\u5165\u5168\u6d41\u7a0b\u8be6\u89e3\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u8d8a\u5357\u652f\u4ed8\u63a5\u53e3\u63a5\u5165\u5168\u6d41\u7a0b\u8be6\u89e3\" \/>\n<meta property=\"og:description\" content=\"\u8d8a\u5357\u652f\u4ed8\u63a5\u53e3\u63a5\u5165\u5168\u6d41\u7a0b\u8be6\u89e3 \u4e00\u3001\u524d\u671f\u51c6\u5907\u9636\u6bb5 \u5e02\u573a\u8c03\u7814\u4e0e\u5408\u89c4&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/06\/23\/\u8d8a\u5357\u652f\u4ed8\u63a5\u53e3\u63a5\u5165\u5168\u6d41\u7a0b\u8be6\u89e3\/\" \/>\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=\"2025-06-23T06:24:14+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\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/23\/%e8%b6%8a%e5%8d%97%e6%94%af%e4%bb%98%e6%8e%a5%e5%8f%a3%e6%8e%a5%e5%85%a5%e5%85%a8%e6%b5%81%e7%a8%8b%e8%af%a6%e8%a7%a3\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/23\/%e8%b6%8a%e5%8d%97%e6%94%af%e4%bb%98%e6%8e%a5%e5%8f%a3%e6%8e%a5%e5%85%a5%e5%85%a8%e6%b5%81%e7%a8%8b%e8%af%a6%e8%a7%a3\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u8d8a\u5357\u652f\u4ed8\u63a5\u53e3\u63a5\u5165\u5168\u6d41\u7a0b\u8be6\u89e3\",\"datePublished\":\"2025-06-23T06:24:14+00:00\",\"dateModified\":\"2025-06-23T06:24:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/23\/%e8%b6%8a%e5%8d%97%e6%94%af%e4%bb%98%e6%8e%a5%e5%8f%a3%e6%8e%a5%e5%85%a5%e5%85%a8%e6%b5%81%e7%a8%8b%e8%af%a6%e8%a7%a3\/\"},\"wordCount\":44,\"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\/06\/23\/%e8%b6%8a%e5%8d%97%e6%94%af%e4%bb%98%e6%8e%a5%e5%8f%a3%e6%8e%a5%e5%85%a5%e5%85%a8%e6%b5%81%e7%a8%8b%e8%af%a6%e8%a7%a3\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/23\/%e8%b6%8a%e5%8d%97%e6%94%af%e4%bb%98%e6%8e%a5%e5%8f%a3%e6%8e%a5%e5%85%a5%e5%85%a8%e6%b5%81%e7%a8%8b%e8%af%a6%e8%a7%a3\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/06\/23\/%e8%b6%8a%e5%8d%97%e6%94%af%e4%bb%98%e6%8e%a5%e5%8f%a3%e6%8e%a5%e5%85%a5%e5%85%a8%e6%b5%81%e7%a8%8b%e8%af%a6%e8%a7%a3\/\",\"name\":\"\u8d8a\u5357\u652f\u4ed8\u63a5\u53e3\u63a5\u5165\u5168\u6d41\u7a0b\u8be6\u89e3 - 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