Vietnam Digital Wallet Developer Resource Collection

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:

I. Mainstream Vietnamese digital wallets and developer portals

1. Momo Wallet

   • Official website. https://momo.vn
   • Developer documentation. Momo Developer Portal
     • Supports APIs for payments, transfers, QR code generation, etc.
     • Sandbox environment provides testing tools

2. ZaloPay

   • Official website. https://zalopay.vn
   • API Documentation. ZaloPay Open API
     • Integration Guide (with Java/PHP sample code)

3. ViettelPay (Telecom operator background)

   • Developer Centre. Viettel Digital Services

4. VNPAY (Banking Union Programme)

   • API Gateway. VNPAY Integration Manual

II. Key technologies and compliance requirements

1. safety certification

   • PCI DSS compliance (if processing credit card data)
     Reference:Vietnam National Bank Security Standards

2. QR code standards
   Use the Vietnam Common QR Code Specification:VMQR (Compatible with international EMVCo)

3. Essential Functions Interface Sample Code Repository (Github)::

# Momo QR Generation Example (Python)

import requests

api_endpoint = "https:/payment.momo/v1/generate-qr"

headers = {"X-Access-Key": "YOUR_KEY"}

data = {

    "amount": 100000.

    "orderId": "ORDER_123",

    "redirectUrl": "your_callback_url" 

}

response = requests.post(api_endpoint, json=data, headers=headers)

III. Sandbox test account application route
| Platforms | Request a Link | Test Amount Limit |
|————|———————————–|——————|
| ZaloPay | developers.zalopay/sandbox-signup | ≤500,000 VND/pen |
| Momo | momo.dev/sandbox-request | ≤200,000 VND/pen |

IV. Localisation considerations

1. Language Support: UI needs to be in Vietnamese by default + English optional
   2.Fee Modelling:: Typically 0.51 TP3T-1.1 TP3T transactions (higher for cross-border payments)
   3.Hot Scenarios API:
   -Top up your phone bill (topup) /payment of utility bills (billpay)
   4. User authentication: docking requiredeKYCServices such as [VNG ID](( https ://id .vng.com .vn ))

It is recommended to join the official developer community (Facebook group or forum) for the latest policy updates and technical support.

Below is an advanced supplement to the Vietnam Digital Wallet Developer Resource, covering more practical tools, policy details and ecological alignment advice:

V. Resources and tools for advanced development

1. SDK Official Library

   • Momo Android/iOS SDK: GitHub repositories provideSample Projects
   • ZaloPay Webhook Debugging Tool: Real-time simulation of callback requests (developer backend login required)

2. Third-party packaging libraries (community maintenance)

   // Unofficial package for VNPAY for Node.js (npm install)
   
   const vnpay = require('vnpay-sdk');
   
   const client = new vnpay.Client({
   
       merchantCode: 'YOUR_MERCHANT_ID',
   
       secureSecret: 'YOUR_HASH_KEY'
   
   });
   
   

3. Postman API Collection
   Multiple platforms provide pre-configured Postman environment files:

   • ViettelPay Collection

VI. Compliance and Bank Docking Key Points

1. Cross-border payment licences
   If international collection is involved, an additional licence is required (refer to)SBV No. 21/2024)

2. Anti-Money Laundering (AML) Interface Requirements
   One of the government-mandated authentication systems must be integrated:

   • National eKYC Platform (Citizen database direct link)

3. Handling Fee Tax Processing API Sample Code:

// Vietnam local VAT calculation (for business accounts)

public double calculateVAT(double amount, String serviceType) {

    double rate = switch(serviceType) {

        case "DOMESTIC_PAYMENT" -> 0.01; // 1% VAT

        case "CROSS_BORDER" -> 0.05; // 5% VAT

        default -> throw new IllegalArgumentException();

    };

    return amount * rate.

}

VII. Performance optimisation recommendations
| Scene | Recommended Solutions |
|———————|———————————–|
| QR Code High Frequency Generation | CDN Caching + Pre-generation Mechanism |
| OTP delay | Access to multiple carriers (SMS Gateway such asVinSMS) |
| Webhook timeout | AWS Lambda Vietnam Node Deployment (ap-southeast-1) |

VIII. Alternative programmes and standby service providers

1. Automatic switching of failed tradesThe following alternate gateways can be accessed:

graph LR.

A[main channel:Momo] --> B{status code ≠ 200}.

B --> C [downgraded to ZaloPay].

C --> D [eventual fallback to Bank Transfer].

2.Niche but fast-growing wallet APIs:

• ShopeePay (e-commerce scenario advantage)
• GrabPay Vietnam

IX, debugging skills and common error code table

Typical errors and solutions:
| HTTP Status Codes | Momo Error Codes | Meaning | Countermeasure |
|————|————