How to add Vietnam Payments to your Shopify/Independent site?

Adding Vietnam payment for Shopify or independent sites requires choosing the right payment method based on your target customer base and business needs. Below is a detailed step-by-step guide:

I. Mainstream payment methods in Vietnam

1. Local e-wallet

   • MomoPay: The most widely used e-wallet in Vietnam, supporting code scanning and online payment.
   • ZaloPay: A large user base based on the Zalo social platform.
   • ViettelPay: Under telecom operator Viettel, suitable for users in rural areas.

2. Bank Transfer

   • Connect to local Vietnamese banks (e.g. Vietcombank, Techcombank) through gateways such as VNPAY.

3. International credit/debit cards

   • Visa/Mastercard/JCB (note that Vietnam has a low card-carrying rate).

4. Cash on delivery (COD)

   • Cash on delivery accounts for up to 70% of e-commerce and is suited to markets with high trust thresholds.

5. Cross-border payment programmes

   • PayPal (some high-end users), Alipay/WeChat Pay (for Chinese tourists or Chinese).

II. Steps for Shopify integration with Vietnam Payments

(A) Through third-party payment gateways

1. VNPAY

   • Supports several Vietnamese banks and e-wallets.
   • Shopify requires a third-party plugin such as [Checkout X] or [Hokodo] to relay the integration.

2. OnePay
   For credit card and QR code payments, API interfaces need to be developed or middleware such asPrimer.

3. Momo Official Co-operation
   Contact the Momo Commerce team to open a merchant account and embed the checkout page via custom code.

(B) Shopify App Marketplace Plugin

• [Stripe] + [Local Payment Methods]: Optional Southeast Asian local option after activation.
• [2Checkout] (now Verifone): supports Vietnamese bank cards but has high fees.
• [Airwallex] or [Rapyd]: Aggregate multi-country localisation solutions.

(C) COD settings

Enable "Manual payment methods" and name it "Cash on Delivery (COD)" in Shopify backend.

III. Solutions for independent stations

1. Direct API interfacing::
   Develop custom integrations in collaboration with technical teams such as VNPAY/Momo.
2. Omni-Channel Aggregation Platform:
   make use ofPaddle / Paymentwalland other service providers that support emerging markets.
   3.Open Source System Adaptation:
   In case of WooCommerce/Magento, install plugins like[VNPGate]maybe[MOMO for WooCommerce].

IV. Precautions

1️⃣ compliancy: Ensure compliance with the Central Bank of Vietnam's regulations (e.g. foreign exchange settlements are to be made through authorised agencies).

2️⃣ user experience: Prioritise the display of popular local options (test the impact of display order on conversion rates).

3️⃣ Rate optimisation: Compare different channel costs (ex: Momo is usually 1-21 TP3T lower than credit cards).

4️⃣ logistics coordination: If you provide COD, you need to confirm the collection process with the logistics provider such as Giao Hang Nhanh/GrabExpress.

5️⃣️ Alternative programme: PayPal as a supplement for international users to avoid lost orders.

After completing the access, it is recommended to use tools such as [Hotjar] to analyse the end of the page loss points, and optimise the payment button position copy (e.g. "Thanh Toán Qua Momo" has a higher click-through rate of 37% than the English button) through A/B testing.

V. Advanced Strategies to Deeply Optimise the Payment Experience in Vietnam

1. Localised payment interface design

• Language and Currency::

  • Ensure that the payment page displays Vietnamese by default (use Shopify's multi-language plugins such as [LangShop] or translate manually).
  • Currencies are prioritised to show VND (Vietnamese Dong) to avoid dynamic conversions that cause users to be suspicious.

• visual adaptation::
  Add icons of local payment methods (such as Momo's green logo or VNPAY's list of banks) to the checkout page to boost trust.

2. COD process optimisation

• Pre-authorisation verification::
  Notify customers via SMS/Zalo to confirm order and address to reduce rejection rate (available tools such as [Telesign] to send automated reminders).

• Logistics co-operation::
  Choose a logistics provider that supports COD collection and has a low return rate (recommended).GHNmaybeViettel Post), and clearly labelling COD service areas and handling fees on the website.

3. Promotional linkage of e-purses

• Exclusive Discounts::
  In cooperation with Momo/ZaloPay, we launched the "10% Off First Wallet Binding" campaign to guide users to use e-payment through the promo code.

• social fission::
  In ZaloPay, you can set up the function of "Share to Friends" to increase the repurchase rate by utilising the social attributes of Vietnamese users.

VI. Troubleshooting of common problems of technical docking

VII. Data monitoring and iteration

1️⃣ conversion funnel analysis (CFA):
Set up event tracking with Google Analytics to monitor the churn from "Choose Payment Method" to "Successful Payment".

2️⃣ A/B testing:
Compare the impact of different layouts (e.g. putting Momo on top vs Bank Transfer on top) on conversion rates.

3️⃣ Fraud prevention and control:
Enable AI risk control tools (e.g.SEON) Filtering of high-risk COD orders, especially for large orders placed by newly registered users.

VIII. List of alternative programme options

If the main channel audit is blocked:

1. DOKU Wallet:: An aggregator gateway that started in Indonesia but covers Southeast Asia and supports some banks in Vietnam.
2. SenpayLocal service provider specialising in gaming and micropayments, suitable for virtual goods.
3. Selly:: Provide pre-built Vietnamese payment links for independent stations (no development required).