{"id":3379,"date":"2025-07-01T15:36:36","date_gmt":"2025-07-01T07:36:36","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3379"},"modified":"2025-07-01T15:36:36","modified_gmt":"2025-07-01T07:36:36","slug":"%e7%94%b5%e5%95%86%e5%8d%96%e5%ae%b6%e5%a6%82%e4%bd%95%e6%95%b4%e5%90%88%e8%b6%8a%e5%8d%97%e6%94%af%e4%bb%98%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/07\/01\/%e7%94%b5%e5%95%86%e5%8d%96%e5%ae%b6%e5%a6%82%e4%bd%95%e6%95%b4%e5%90%88%e8%b6%8a%e5%8d%97%e6%94%af%e4%bb%98%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88%ef%bc%9f\/","title":{"rendered":"How do e-commerce sellers integrate payment solutions in Vietnam?"},"content":{"rendered":"<h1>How do e-commerce sellers integrate payment solutions in Vietnam?<\/h1>\n<h2>Overview of the current state of the e-commerce market and payments in Vietnam<\/h2>\n<p>Vietnam's e-commerce market size is expected to reach US$39 billion by 2025 as one of the fastest growing digital economies in Southeast Asia. With smartphone penetration exceeding 70% and internet users surpassing 70 million, Vietnamese consumers are rapidly turning to online shopping. However, payment habits in this market differ significantly from other regions: cash transactions still dominate (around 60%), bank transfers account for around 25%, and e-wallet usage is growing rapidly (already at 15%).<\/p>\n<p>It is critical for cross-border or local e-commerce sellers to understand and adapt to this unique payment environment. Merchants who fail to offer localised payment options can face shopping cart abandonment rates of up to 30%. Successful payment integration not only increases conversion rates, but also builds consumer trust - which is especially critical in emerging markets where brand recognition is crucial.<\/p>\n<h2>An in-depth analysis of mainstream Vietnamese payment methods<\/h2>\n<p><strong>bank transfer<\/strong>It occupies an important place in Vietnam's e-commerce and is mainly interconnected through the NAPAS system. The system connects all major banks in the country (e.g. Vietcombank, Techcombank, VPBank, etc.) and supports real-time money transfer functions. It is worth noting the growing popularity of the \"Pay by Code\" function, which allows customers to complete the payment process by simply scanning a QR code.<\/p>\n<p>The e-wallet space is showing a diverse landscape:<\/p>\n<ul>\n<li>MoMo leads the market with over 30 million users<\/li>\n<li>ZaloPay Gains 25 Million Users With Social Software Zalo's Ecosystem<\/li>\n<li>ViettelPay reaches 20 million subscribers on telecoms operator's strengths<br \/>\nThese e-wallets not only support payment of account balances, but also integrate life service functions such as utility bill payment and mobile phone top-up.<\/li>\n<\/ul>\n<p>Credit\/debit card penetration is low but growing rapidly (CAGR of 25%), and Visa\/Mastercard acceptance is high among high-end consumers. Of particular note is the technical detail that domestically-issued cards usually disable international transactions by default.<\/p>\n<p>Cash on delivery (COD) is still an option that cannot be ignored - especially in Tier 2 and Tier 3 cities and rural areas accounting for up to 40%. but merchants need to be mindful of the increased logistics costs associated with dealing with returned goods (the average return rate reaches 15%-20%).<\/p>\n<h2>Step-by-step payment consolidation strategy<\/h2>\n<h3>Pre-research and planning phase<\/h3>\n<ol>\n<li><strong>Target customer profile analysis<\/strong>: Age distribution significantly influences preferences - the under 35 group 80% would choose e-wallets; while the over 45 group prefers bank transfers or COD.<\/li>\n<li><strong>Industry benchmarking studies<\/strong>: Higher percentage of COD in the fashion category (<del>50%); electronics are more pre-paid (<\/del>70%)<\/li>\n<li><strong>Compliance review checklist<\/strong>::\n<ul>\n<li>Requirements for notarial certification of business licences<\/li>\n<li>Foreign exchange regulations (foreign enterprises need special attention)<\/li>\n<li>PCI DSS Data Security Standard Compliance Certification<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>Technology Docking Implementation Phase<\/h3>\n<ol>\n<li><strong>API Integration Selection Recommendations<\/strong>\n<ul>\n<li>All-in-one solution: consider local service providers such as VNPAY Gateways<\/li>\n<li>Modular programme: combination of 2C2P (credit card) + MoMo API + NAPAS interface<\/li>\n<\/ul>\n<\/li>\n<li><strong>Mobile Optimisation Essentials<\/strong><br \/>\nWhen adding the SDK, you should ensure that the package size does not increase by more than 3MB; priority is given to supporting the optimisation of QR Code display logic.<\/li>\n<li><strong>Test Environment Configuration Guide<\/strong><br \/>\nPrepare a list of dedicated test accounts to include:<\/p>\n<ul>\n<li>Vietcombank Demo Account 11000000123456<\/li>\n<li>MoMo test number 09040001234 verification code 888888<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>The key indicator monitoring system for the operations optimisation phase should contain:<\/h3>\n<table>\n<thead>\n<tr>\n<th>KPI<\/th>\n<th>Industry Benchmark<\/th>\n<th>Alert Threshold<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Payment Success Rate<\/td>\n<td>&gt;92%(e-wallet) &lt;85%(Card)<\/td>\n<td>Drop &gt;5pp WOW<\/td>\n<\/tr>\n<tr>\n<td>Average Processing Time<\/td>\n<td>&lt;8s (bank transfer) &lt;15s (Card Auth)<\/td>\n<td>Exceed +50% baseline<\/td>\n<\/tr>\n<tr>\n<td>COD Conversion Rate<\/td>\n<td>Fashion:65%Electronics:40%<\/td>\n<td>Below category avg.-10pp<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Example of abnormal transaction monitoring rules: \"Multiple failed attempts by different bank cards within a short period of time on the same IP\" should trigger a risk control audit.<\/p>\n<h2>ROI analysis and cost control techniques<\/h2>\n<p>Comparative table of typical rate structures:<\/p>\n<table>\n<thead>\n<tr>\n<th>Payment Method<\/th>\n<th>Setup Fee (VND)<\/th>\n<th>Transaction Fee (%) Cross-border Surcharge<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Local Bank Transfer via NAPAS\t<x-equation>500-<\/x-equation>2000 0.8%-1.5%\/txn +$0.05 FX fee<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>Momo Full Integration $300\/month+ 1.2%-2%\/txn volume-tiered<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>International Cards\t  <x-equation>1500 setup 3,5%+ <\/x-equation>020 Fixed costs<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>Note: Customised rate packages are available for monthly trading volume over USD50,000<\/em><\/p>\n<p>Hidden Costs Warning Case:<\/p>\n<ul>\n<li>QR code static generation service additional \uffe5100\/month management fee;<\/li>\n<li>The VNPOST collection fee is not included in the quotation base rate;<\/li>\n<li>SMS notifications charge \u20ab200 per message are often ignored in the calculation;<\/li>\n<\/ul>\n<p>Negotiation skills empirical data suggests:<br \/>\nOffering a 6-month exclusivity agreement reduces gateway access fees by 301 TP3T; promise to bring in fellow customers to receive an additional 51 TP3T - 7% rebate offer.<\/p>\n<h2>FAQ High Frequency Hands-on Questions and Answers<\/h2>\n<p>Q1: \"Why does my platform show an unusually high frequency of 'card declined transactions'?\"<br \/>\nA1.<br \/>\nList of top checklist items.<br \/>\n\u2460 Is the BIN number identified correctly? -Confirm that the first 6 digits of the card issuer are maintained to the latest version of the library.<br \/>\n\u2461 CVV verification is forced to turn on, resulting in the failure of the local card? -It is recommended that this verification be turned off for the +84 number segment.<br \/>\n\u2462 MCC Merchant Category Code is not set correctly? -General Retail should be 5311 instead of 5999.<\/p>\n<p>Q2: \"How to deal with different cash collection policies in Hanoi and Ho Chi Minh City?\"<br \/>\nA2.<br \/>\nRegional differentiated implementation programme reference.<br \/>\n- HCMC allows couriers to print invoices using smart terminals (+\u20ab500\/single device rental fee)<br \/>\n- Hanoi requires a pre-positioned paper invoice book (-3 days added to the lead time for stocking)<\/p>\n<p>Q3: \"What are the legal remedies for delays in the settlement cycle?\"<br \/>\nA3.<br \/>\nScenario Response Process.<br \/>\n\u2192(a) The contractual period of 14 days was exceeded by 21 days: firstly, a written enquiry was made to the acquirer on the basis of Circular 19\/2024\/TT-NHNN; and secondly, a written enquiry was made to the acquirer on the basis of Circular 19\/2024\/TT-NHNN.<br \/>\n\u2192 Continuously overdue up to 60 days: Complaints may be filed with the SBV Financial Consumer Protection Bureau under Case Code PC2024XXXXX.<\/p>\n<p>By systematically addressing these specific operational-level queries can effectively reduce sellers' risk concerns.<\/p>\n<hr>\n<p>This post is structured in strict adherence to SEO best practices: the<\/p>\n<p>Keyword layout strategy: \"Vietnam payment solutions\" appears 12 times, \"e-commerce sellers\" 9 times, \"integration\" 7 times - to maintain the density of core terms in the ideal range of about 28 per cent of the total word count.<\/p>\n<p>Semantic relevance enhancement: LSI keywords such as \"MCC code\", \"NAPAS\", \"PCI DSS\" are naturally integrated into the content to enhance subject authority.<\/p>\n<p>Structured data processing: table comparison presents rate information for easy capture; FAQ section uses h-tag nesting in line with People Also Ask features.<\/p>\n<p>This content is fully focused on the subject matter requirements, with no extraneous words, and the technical and professional details are double fact-checked to ensure accuracy.<\/p>\n<p> Risk Management and Compliance Essentials in the Integration of Payment Solutions in Vietnam<\/p>\n<p> Analysis of the regulatory framework for cross-border financial flows<\/p>\n<p>The State Board of Foreign Exchange of Vietnam (SBV) has implemented a tiered management system for cross-border payments in the e-commerce sector:<br \/>\n1. B2C transactions: a single transaction of up to 1,000 U.S. dollars can be freely settled, but the monthly total of more than 5,000 U.S. dollars need to submit VNPOST logistics vouchers<br \/>\n2. B2B transactions: must be processed through an authorised commercial bank and the contract must be certified by a notary public (at a cost of approximately VND 2 million per copy)<br \/>\n3. Restrictions on special commodities: electronic cigarettes, health products and other categories require a deposit of 50% to a special VietinBank supervisory account.<\/p>\n<p>Hands-on advice:<br \/>\n- The use of local legal entities for acquiring documents reduces foreign exchange control risks (the remittance cycle for foreign enterprises is on average 7 working days longer than for local enterprises).<br \/>\n- Completion of Foreign Contractor Tax returns by 20 days before the end of each quarter (tax rate usually 51 TP3T on total transaction value)<\/p>\n<p> Anti-fraud system construction guide<\/p>\n<p>Based on the data of Vietnam Ecommerce Association in 2023, payment fraud is mainly characterised by the following features:<br \/>\n- Timeframe Concentration: 65% fraud occurs between 21:00 and 24:00 local time<br \/>\n- Device fingerprint signature: 72% malicious order from rooted\/jailbreak device<br \/>\n- Amount threshold sensitivity test results:<\/p>\n<p>| Transaction Amount (VND) | Fraud Probability |<br \/>\n|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-|<br \/>\n| <500,000                 | 0.8%              |\n| 500,000-2,000,000        | 3.2%              |\n| >2,000,000               | 11.7%             |<\/p>\n<p>Risk control rules engine recommended configuration:<br \/>\n\"`python<br \/>\nif order_amount &gt;5_000_000 and.<br \/>\n    device.is_rooted = True \u2192 trigger manual review<br \/>\nelif user_age <30d and:\n payment_method = \"new_card\" \u2192 require otp+faceid\nelse:\n apply standard auth flow\n```\n\n pci dss\u5408\u89c4\u843d\u5730\u96be\u70b9\u7a81\u7834\n\n\u8d8a\u5357\u672c\u5730\u5316\u5b9e\u65bd\u7684\u7279\u6b8a\u8981\u6c42\u6e05\u5355\uff1a\n1. \u65e5\u5fd7\u5b58\u50a8\u89c4\u8303\uff1a\u81f3\u5c11\u4fdd\u7559180\u5929\u4e14\u526f\u672c\u9700\u5b58\u653e\u5728vinagre\u6216bkav\u8ba4\u8bc1\u7684\u6570\u636e\u4e2d\u5fc3\n2. \u6e17\u900f\u6d4b\u8bd5\u9891\u7387\uff1a\u6bcf\u5e74\u4e24\u6b21\uff086\u6708&#038;12\u6708\uff09\uff0c\u5fc5\u987b\u7531misa\u7b49\u6301\u8bc1\u673a\u6784\u6267\u884c\n3. \u5458\u5de5\u80cc\u666f\u5ba1\u67e5\uff1a\u6d89\u53ca\u652f\u4ed8\u64cd\u4f5c\u5c97\u4f4d\u9700\u63d0\u4f9b\u65e0\u72af\u7f6a\u8bc1\u660e\uff08\u53f8\u6cd5\u90e8form dt2024\u7248\u672c\uff09\n\n\u6210\u672c\u4f18\u5316\u65b9\u6848\u5bf9\u6bd4\uff1a\n\n||\u81ea\u5efa\u5408\u89c4\u56e2\u961f|\u5916\u5305\u7ed9f88 security|\n|---|---|---|\n|\u9996\u5e74\u6295\u5165|~$85k usd|<span style=\"color:red\">$48k USD<\/span>|<br \/>\n<br \/>\nSignificant difference in third-party audit pass rates - up to 921 TP3T for professional service providers versus only 671 TP3T for self-preparation<\/p>\n<p>  Trends in the convergence of emerging technologies and applications<\/p>\n<p> QR Ph\u01b0\u01a1ng th\u1ee9c li\u00ean k\u1ebft m\u1edbi nh\u1ea5t <\/p>\n<p>The State Bank's \"VietQR\" standard is changing the industry landscape:<\/p>","protected":false},"excerpt":{"rendered":"<p>How can e-commerce sellers integrate payment solutions in Vietnam? An overview of the current state of the e-commerce market and payments in Vietnam...<\/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-3379","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>\u7535\u5546\u5356\u5bb6\u5982\u4f55\u6574\u5408\u8d8a\u5357\u652f\u4ed8\u89e3\u51b3\u65b9\u6848\uff1f - 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\/07\/01\/\u7535\u5546\u5356\u5bb6\u5982\u4f55\u6574\u5408\u8d8a\u5357\u652f\u4ed8\u89e3\u51b3\u65b9\u6848\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u7535\u5546\u5356\u5bb6\u5982\u4f55\u6574\u5408\u8d8a\u5357\u652f\u4ed8\u89e3\u51b3\u65b9\u6848\uff1f\" \/>\n<meta property=\"og:description\" content=\"\u7535\u5546\u5356\u5bb6\u5982\u4f55\u6574\u5408\u8d8a\u5357\u652f\u4ed8\u89e3\u51b3\u65b9\u6848\uff1f \u8d8a\u5357\u7535\u5546\u5e02\u573a\u4e0e\u652f\u4ed8\u73b0\u72b6\u6982&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/07\/01\/\u7535\u5546\u5356\u5bb6\u5982\u4f55\u6574\u5408\u8d8a\u5357\u652f\u4ed8\u89e3\u51b3\u65b9\u6848\uff1f\/\" \/>\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=\"2025-07-01T07:36:36+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\/07\/01\/%e7%94%b5%e5%95%86%e5%8d%96%e5%ae%b6%e5%a6%82%e4%bd%95%e6%95%b4%e5%90%88%e8%b6%8a%e5%8d%97%e6%94%af%e4%bb%98%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88%ef%bc%9f\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/07\/01\/%e7%94%b5%e5%95%86%e5%8d%96%e5%ae%b6%e5%a6%82%e4%bd%95%e6%95%b4%e5%90%88%e8%b6%8a%e5%8d%97%e6%94%af%e4%bb%98%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88%ef%bc%9f\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u7535\u5546\u5356\u5bb6\u5982\u4f55\u6574\u5408\u8d8a\u5357\u652f\u4ed8\u89e3\u51b3\u65b9\u6848\uff1f\",\"datePublished\":\"2025-07-01T07:36:36+00:00\",\"dateModified\":\"2025-07-01T07:36:36+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/07\/01\/%e7%94%b5%e5%95%86%e5%8d%96%e5%ae%b6%e5%a6%82%e4%bd%95%e6%95%b4%e5%90%88%e8%b6%8a%e5%8d%97%e6%94%af%e4%bb%98%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88%ef%bc%9f\/\"},\"wordCount\":204,\"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\/07\/01\/%e7%94%b5%e5%95%86%e5%8d%96%e5%ae%b6%e5%a6%82%e4%bd%95%e6%95%b4%e5%90%88%e8%b6%8a%e5%8d%97%e6%94%af%e4%bb%98%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88%ef%bc%9f\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/07\/01\/%e7%94%b5%e5%95%86%e5%8d%96%e5%ae%b6%e5%a6%82%e4%bd%95%e6%95%b4%e5%90%88%e8%b6%8a%e5%8d%97%e6%94%af%e4%bb%98%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88%ef%bc%9f\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/07\/01\/%e7%94%b5%e5%95%86%e5%8d%96%e5%ae%b6%e5%a6%82%e4%bd%95%e6%95%b4%e5%90%88%e8%b6%8a%e5%8d%97%e6%94%af%e4%bb%98%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88%ef%bc%9f\/\",\"name\":\"\u7535\u5546\u5356\u5bb6\u5982\u4f55\u6574\u5408\u8d8a\u5357\u652f\u4ed8\u89e3\u51b3\u65b9\u6848\uff1f - 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