--- title: Top 12 Payment gateways In Vietnam That You Need To Know About description: This articles showcases the 12 best payment gateways in Vietnam and addresses payment gateway complexities image: https://inai.io/hubfs/top-12-payment-gateways-in-vietnam.png --- [Skip to content](https://inai.io/blog/top-12-payment-gateways-in-vietnam#main-content) [Webinar](https://inai.io/webinar/airlines-auth-rate) Strategies to optimize auth rates for the airlines - 07 Dec 2023 - 08:30 AM GMT [Register now](https://inai.io/webinar/airlines-auth-rate) Inai is now part of Chargebee! 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The payment is facilitated via debit/credit cards, net banking, e-wallet transactions, cash, etc. The payment gateway submits the relevant transaction responses for orders and intermediate requests.  But how many such transactions is a payment gateway handling in an average year?  The eCommerce market is growing exponentially; in fact, the market's revenue will increase to[$6.388 billion](http://findstack.com/ecommerce-statistics/) in sales by 2024. In Vietnam, merchants have disparate options for payment gateway integration. According to recent surveys, the Vietnamese eCommerce/mCommerce industry will grow by [30% between 2022 and 2025](https://ycpsolidiance.com/article/e-commerce-vietnam-2022).  ## Current payment solution landscape in Vietnam The eCommerce sector is rapidly investing in FinTech innovation to support smooth, secure digital transactions in Vietnam.  Seamless connectivity between consumers and businesses continues to be one of the foremost objectives.  Vietnam relies on the following to envision such leaps and bounds by incorporating an adaptable payment solutions model: ### **Integrated e-Payments** eCommerce operators of varying scales can increase accessibility and conveniences for users by integrating digital payments into their software. It paves the way for successful conversions. ### **Mobile Wallets & Payment Platforms** mCommerce has flourished in Vietnam by integrating novel payment solutions like mobile wallets. Along with full-service payment platforms, these wallets offer merchants plenty of payment gateway options. ### **International Scalability** The integration of digital payment gateways allows Vietnamese businesses to adopt fintech for scalable domestic and international sales and transactions. Vietnam's current payment solution landscape supports cross-border transactions for start-ups, SMEs, etc., and large-scale enterprises. The Vietnamese government seeks to bolster the agro sector through eCommerce. eCommerce has become user-friendly, flexible, and robust, thereby gearing up to support the projected [18 million](https://ycpsolidiance.com/article/e-commerce-vietnam-2022) additional users in the country's eCommerce ecosystem by 2025.  ## **Criteria to Look Out For Payment Gateways in Vietnam** ### **1. Reliability** The payment gateway has a 3-step flow that encompasses multiple critical micro-steps: - Authorization - Settlement - Security When you place an order using the merchant's service, the merchant's server relies on the payment gateway to carry this order to and from the associated banking system. Rest assured, if you're able to navigate through these steps, you can safely trust a payment gateway. ### **2. Supported currencies** Various types of currency support ensure the best foot forward for handling multiple customer demographics. This payment gateway solution allows domestic and international users to purchase from Vietnamese businesses without exorbitant currency conversion charges. ### **3. Payment options** The higher the number of payment options, the better is the B2B and B2C merchant prospects. A diverse payment gateway support lays the foundation for more significant user incentives for using eCommerce/mCommerce facilities. Also read: "[Top Payment Methods In Vietnam That Your Business Needs to Know](https://inai.io/blog/top-payment-methods-in-vietnam)"  ### **4. Market integrations** A seamless seller and payment gateway integration boosts user engagement and enhances payment support. Businesses don't need to spend on tech skills to integrate a payment gateway into their platform. ### **5. Security** Contemporary payment gateways rely on HTTPS certified network protocols. They use HMAC signatures for request and response authenticity verification. All payment gateway services must comply with PCI DSS Level-1 security standards. Modern businesses employ payment gateways that use multi-factor authorization and encrypted transaction ledger databases. This helps prevent transaction level, account level, and network-level fraudulence. ### 6. Pricing and other fees Well-metricized pricing and fee structure within a payment gateway helps in mass adoption. The average payment processing solution has associative fees, such as: 1. Start-up 2. Transaction 3. Chargeback 4. Termination 5. Lease charges for credit processing equipment. Trumped-up transaction charges and tariffs detract users from completing the consumer journey. Fortunately, Vietnam's eCommerce ecosystem is privy to heterogenous payment gateway solutions. ## 12 Best Payment Gateways in Vietnam ![12 Best Payment Gateways in Vietnam](https://inai.io/hs-fs/hubfs/12%20Best%20Payment%20Gateways%20in%20Vietnam.png?width=2932&name=12%20Best%20Payment%20Gateways%20in%20Vietnam.png) ### **1. Vitapay  ** Vitapay is a New York payment gateway providing easy mobile payments on various platforms within the Vietnamese eCommerce sector. With Vitapay, you can connect your card reader to register for transaction services. Additionally, it allows you to auto-update customer financials in real-time and even host secure payment pages with tokenized information ledgers. #### **Pricing and other fees** - **Setup fee**: Available upon request - **Annual fee:** Available upon request - **Refund charges:** Available upon sign-up - **Commission per transaction:** Available upon sign-up #### **Accepted payment methods** - **Credit/Debit Card:** Available upon sign-up - **Other Payment Method:** Available upon sign-up #### **Approvals & onboarding time** **‍**Immediately upon application #### **eCommerce platform integration:** Readily integrates with retail businesses, F&B businesses, service-based businesses, digital businesses, etc. ### 2. 2C2P 2C2P is a Singapore-based platform that is a cross-border payments gateway. Spanning its services over Cambodia, 2C2P looks to catalyze digital payments in Vietnam massively. 2C2P is owned by internet services and eCommerce giant Alibaba's subsidiary concern, Ant Group. #### **Pricing and other fees** - **Setup fee**: Available upon request - **Annual fee:** Available upon request - **Refund charges:** Available upon sign-up - **Commission per transaction:** Available upon sign-up #### **Accepted payment methods** - **Credit/Debit Card:** Available upon sign-up - **Other Payment Method:** Available upon sign-up #### **Approvals & onboarding time**‍ Immediately upon application #### **eCommerce platform integration** Merchants can connect to financial institutions like Lotus, Big C, Family mart, Bangkok Bank, Krungsri Bank, Kasikorn Bank, Siam Commercial Bank, and Government Savings Bank. #### **Supported currencies** All commonly supported currencies #### **Approvals & onboarding time** Immediately post-application, merchant accounts are assigned a unique ID #### **eCommerce platform integration** The payment process and gateway integrate easily with numerous mobile application types and offer a full range of dev tools so merchants can customize the gateway as per their UX targets. ### ‍**3. SenPay** SenPay wallet is an electronic payment gateway extending its support for flat and cryptocurrency. #### **Pricing and other fees** - **Setup fee:** Free - **Annual fee:** Free - **Refund charges:** Free - **Commission per transaction: Available upon request** #### **Accepted payment methods** - **Credit/Debit Card:** You can pay conveniently with Master/Visa cards issued by domestic and international banks. - **Other Payment Method:** MoMo, and Zalo Wallets #### **Supported currencies** Senpay only supports Vietnamese Dong (VND) #### **Approvals & Onboarding time:** **‍**Immediately upon application #### **eCommerce platform integration** Merchants can connect to financial institutions like Lotus, Big C, Family mart, Bangkok Bank, Krungsri Bank, Kasikorn Bank, Siam Commercial Bank, and Government Savings Bank. ### 4. 123 Pay 123 Pay is an India-based payment gateway integration launched by the Reserve Bank of India. The payment gateway doesn't require an internet connection. The service platform features IVR functionalities, proximity sound-based payments, and missed call functionalities. It consists of vehicular FAST tags, utility, and bill payments, amongst other things. ####   **Pricing and other fees** - **Setup fee:** Free trial available for a month; the service is chargeable thereafter. - **Annual fee:** Free - **Refund charges:** Free - **Commission per transaction: Available upon request** #### **Accepted payment methods** - [**Credit/Debit Card**](https://doanhnghiep.quocgiakhoinghiep.vn/doanhnghiep/123pay/)**:** Visa, MasterCard, American Express (AMEX), Discover Financial Services, and JCB International - **Other Payment Method:** Not applicable #### **Supported currencies** **‍**Indian rupees (INR) #### **eCommerce platform integration** **‍**Rapid integrations are available immediately ### **5. Skrill** Skrill is an online payment wallet integrator suitable for commercial and personal digital financial transactions. It supports 100s of sites already, which means you can readily purchase/refund payments. It engages users with its innovative loyalty program that allows them to collect points and reap benefits and rewards as incentives. #### **Pricing and other fees** - **Setup fee:** Free of charge - **Annual fee:** None - **Refund charges:** None - **Commission per transaction:** Varying degrees of commissions, depending on nature of [transaction](https://www.skrill.com/en/siteinformation/fees/#deposit).  #### **Accepted payment methods** - **Credit/Debit Card:** Atome also accepts most credit/debit cards issued by a financial institution. - **Other Payment Method:** BankPlus, Neteller, debit card, Paysafecash, Bank transfer via Sofort/Klarna #### **Supported currencies:** 35+ leading currencies supported #### **Approvals & onboarding time** Immediate #### **eCommerce platform integration** Rapid API integrations ### **6. Atome** Atome, as a service provider, allows merchants and customers to break-down transactions into three easy payments. This incentive will enable consumers to follow the 'buy now, pay later' ethic. Its API can be integrated with online eCommerce services and with physical store POS systems. #### **Pricing and miscellaneous fees** - **Setup fee:** Free of charge - **Annual fee:** The account is free for personal use; as a practice, you need to make a transaction every 6 months to retain your free status.  - **Refund charges:** Information not available - **Commission per transaction:** Varying degrees of commissions, depending on nature of transaction. #### **Accepted payment methods** - **Credit/Debit Card:** Easy integrations with all renowned financial institution’s cards - **Other Payment Method:** Apple Pay #### **Supported currencies** 35+ leading currencies supported #### **Approvals & onboarding time** Immediate #### **eCommerce platform integration** Integrations available with Easy Store, Magento 1 & 2, Opencart, Salesforce SFRA and Site Genesis, Shopify, Wix, and WooCommerce. ### **7. OnePay** OnePay makes digital payments easy for businesses within varying verticals. It allows merchants to pay bills, vault and tokenize finances, etc. The gateway always provides an effective service by invoicing memos with rich transaction details and auto-approving payments to the correct recipient. #### **Pricing and miscellaneous fees** - **Setup fee:** Free of charge - **Annual fee: Free** - **Refund charges:** Information not available - **Commission per transaction: Available upon request** #### **Accepted payment methods** - **Credit/Debit Card:** Visa, MasterCard, American Express (AMEX), JCB International, and UnionPay - **Other Payment Method:** Electronic wallets like MoMo, ZaloPay, Viettel money, Moca, etc.  #### **Supported currencies** VND #### **Approvals & onboarding time** Immediate #### **eCommerce platform integration:** Integrations available with WooCommerce. ### ‍**8. AsiaPay** The multi-channel transaction gateway is one of Asia's best answers to existing alternatives like PayPal. The platform prioritizes regional payment processing. AsiaPay offers multi-lingual support, allowing international users to use it seamlessly. #### **Pricing and miscellaneous fees** - **Setup fee:** Free of charge - **Annual fee:** Free - **Refund charges:** Information Available upon request - **Commission per transaction: Available upon request** #### **Accepted payment methods** - **Credit/Debit Card:** RuPay, MasterCard, JCB, Discover, Diners Club International, Amex, UnionPay, Visa - **Other Payment Method:** Bank accounts, net banking, digital wallets, and other commonly accepted payment platforms.  #### **Supported currencies:** There are around 144 currencies supported by the platform #### **Approvals & onboarding time:** Immediate #### **eCommerce platform integration:** Various e-commerce integration plug-ins available for use.  ### ‍**9. Paypal** PayPal is a worldwide online shopper's payment solution, used in over 200+ international markets. The consolidated payment solution service provides analytical tools to help businesses strategize new growth solutions based on sales demographics. #### **Pricing and miscellaneous fees** - **Setup fee:** Free for personal users, year-round; business accounts are chargeable - **Annual fee:** Free for personal users, year-round; business accounts are chargeable - **Refund charges:** $1.99 (2.99% plus 49 cents) - **Commission per transaction:** Based on currency received #### **Accepted payment methods** - **Credit/Debit Card:** MasterCard, JCB, Discover, Diners Club International, Amex, UnionPay, Visa - **Other Payment Method:** PayPal balance, PayPal credit, and rewards balance #### **Supported currencies** Supports all major currencies in operative nations #### **Approvals & onboarding time** Immediate #### **eCommerce platform integration** Various e-commerce integration plug-ins available for use.  ### ‍**10. VN Pay** Vietnam Payment Solution Joint Stock Company established VNPay over 10-years ago to revolutionize electronic payment and FinTech in Vietnam. It boasts 15 million monthly active users who rely on the gateway for billing, grocery shopping, and commuting. Thanks to its localized demographic, VN Pay is one of the largest homegrown unicorn service providers in the Vietnamese FinTech ecosystem, with over 20000 businesses in its clientele. #### **Pricing and miscellaneous fees** - **Setup fee:** Free - **Annual fee:** Free - **Refund charges: **Available upon request - **Commission per transaction: **Available upon request #### **Accepted payment methods** - **Credit/Debit Card:** No information available without sign-up - **Other Payment Method:** Not available #### **Supported currencies** **‍**No information available without sign-up #### **Approvals & onboarding time** No information available without sign-up #### **eCommerce platform integration** **‍**No information available without sign-up ### ‍**11. VTC Pay** VTC Pay is a leading payment gateway solution, noted for its PCI-DSS level security. It facilitates secure credit card transactions between merchants and customers and supports a litany of domestic and international banking systems. The innovative service has no setup or transaction costs that detract customers. This is an added incentive for merchants as more customers are likely to complete conversions with lower tariffs. #### **Pricing and miscellaneous fees** - **Setup fee:** No information available without sign-up - **Annual fee:** No information available without sign-up - **Refund charges:** No information available without sign-up - **Commission per transaction:** No information available without sign-up #### **Accepted payment methods** - **Credit/Debit Card:** No information available without sign-up - **Other Payment Method**: Not available ### **12. MoMo** MoMo is a digital e-wallet with all the boilerplate features that one can expect from a payment gateway service. The brand derives its name from the abbreviation 'Mobile Money.' MoMo is a progressive payment service with rapid integration plugins for CMS eCommerce. It boasts extensive documentation for low-tech extensibility, disbursements, collections, widgets, remittances, etc. #### **Pricing and miscellaneous fees** - **Setup fee:** Free version with limited features - **Annual fee:** $50 per website  - **Refund charges: **Available upon request - **Commission per transaction:** Available upon request #### **Accepted payment methods** - **Credit/Debit Card:** No information available without sign-up - **Other Payment Method:** MoMo eWallet funds, and MoMo eWallet postpaid #### **Supported currencies** No information available without sign-up #### **Approvals & onboarding time** Immediate #### **eCommerce platform integration** No information available without sign-up ## Local payment gateways and the rising complexities for businesses The Vietnamese eCommerce market boasts of technologically sound, large-scale businesses. Such businesses can't afford to lose audience targets for the lack of seamless, performant payment solutions. At the same time, even small businesses need a low/no-code solution that they can easily set up to launch their services ASAP. Thus, Vietnamese businesses face a lot of challenges in the field of digital transactions, which include: a. Multi banking vendor support lacking b. Technically complex payment solutions c. High tariffs and fees detract customers, thereby reducing profitability d. Dismal success rate, speed, and customer satisfaction in successful transactions Vietnamese businesses deserve a unified payment gateway that acts as a one-size-fits-all solution to their digital transaction woes. ## How inai helps you address multiple payment gateway integrations in Vietnam? [inai](https://inai.io/revenue-optimization) is a multi-payment gateway integration service that helps businesses in Vietnam launch their service faster, at optimized transaction costs. Users can experience extremely fluid, localized checkouts for every transaction. The payment gateway is a low-code utility that empowers teams with low tech skilling availability to enhance customer conversion numbers. The inai API has drop-in widgets and invoicing systems to generate dynamic, highly-secure payment links for every user. inai is SCA-compliant and GDPR-ready, and PCI level1 DSS certified, making it safe for store integration. With over 300+ payment methods in availability, merchant scan chooses their payment methods on a market basis. Your team can quickly build custom workflows using inai's WYSIWYG step-builder and optimize these payments on a market basis. You can also customize your checkout flow as per your bespoke business needs. [![Integrate payment gateways in Vietnam cta](https://inai.io/hs-fs/hubfs/62a343e65ffcf9c7f719e7ed_CTA%20(1).png?width=4068&name=62a343e65ffcf9c7f719e7ed_CTA%20(1).png)](https://www.inai.io/demo) ### Subscribe to our newsletter to get the latest updates ### **Ready to get started? Create an account today** ![Picture of Anta Pattabiraman](https://inai.io/hs-fs/hubfs/61f773e45259c0183174da05_Headhosts_Anta.png?width=150&name=61f773e45259c0183174da05_Headhosts_Anta.png) [Anta Pattabiraman](https://inai.io/blog/author/anta-pattabiraman) Anta Pattabiraman is the co-founder and CEO of Inai, a global payment stack simplifying native payments within a single integration. Over the last 5 years, he has worked with 200+ businesses ranging from SMEs to Bigtechs. ## Related posts [![Top 11 Payment Gateways in Thailand That You Need To Know](https://inai.io/hs-fs/hubfs/top-11-payment-gateways-in-thailand.png?height=400&name=top-11-payment-gateways-in-thailand.png)](https://inai.io/blog/top-11-payment-gateways-in-thailand) [Payment Gateways](https://inai.io/blog/tag/payment-gateways) ## [Top 12 Payment Gateways in Thailand That You Need To Know](https://inai.io/blog/top-11-payment-gateways-in-thailand) ![Picture of Anta Pattabiraman](https://inai.io/hs-fs/hubfs/61f773e45259c0183174da05_Headhosts_Anta.png?width=50&name=61f773e45259c0183174da05_Headhosts_Anta.png) [Anta Pattabiraman](https://inai.io/blog/author/anta-pattabiraman) Jun 2, 2022 4:16:00 PM [Read more](https://inai.io/blog/top-11-payment-gateways-in-thailand) [![Top 10 Payment Gateways in Bangladesh That You Need To Know About](https://inai.io/hs-fs/hubfs/bangla.png?height=400&name=bangla.png)](https://inai.io/blog/top-10-payment-gateways-in-bangladesh) [Payment Gateways](https://inai.io/blog/tag/payment-gateways) ## [Top 12 Payment Gateways in Bangladesh That You Need To Know About in 2024](https://inai.io/blog/top-10-payment-gateways-in-bangladesh) ![Picture of Anta Pattabiraman](https://inai.io/hs-fs/hubfs/61f773e45259c0183174da05_Headhosts_Anta.png?width=50&name=61f773e45259c0183174da05_Headhosts_Anta.png) [Anta Pattabiraman](https://inai.io/blog/author/anta-pattabiraman) Aug 26, 2022 3:12:00 PM [Read more](https://inai.io/blog/top-10-payment-gateways-in-bangladesh) [![Top 12 Payment gateways In Malaysia That You Need To Know About](https://inai.io/hs-fs/hubfs/62fe02d0e0d4c033cf48ea89_Header%20-%20Best%20Payment%20Gateways%20in%20Malaysia.png?height=400&name=62fe02d0e0d4c033cf48ea89_Header%20-%20Best%20Payment%20Gateways%20in%20Malaysia.png)](https://inai.io/blog/top-12-payment-gateways-in-malaysia) [Payment Gateways](https://inai.io/blog/tag/payment-gateways) ## [Top 12 Payment gateways In Malaysia That You Need To Know About](https://inai.io/blog/top-12-payment-gateways-in-malaysia) ![Picture of Anta Pattabiraman](https://inai.io/hs-fs/hubfs/61f773e45259c0183174da05_Headhosts_Anta.png?width=50&name=61f773e45259c0183174da05_Headhosts_Anta.png) [Anta Pattabiraman](https://inai.io/blog/author/anta-pattabiraman) Aug 18, 2022 3:09:00 PM [Read more](https://inai.io/blog/top-12-payment-gateways-in-malaysia) ##### PRODUCTS - [Observe](https://inai.io/revenue-optimization) - [Reconcile](https://inai.io/reconciliation) - [Revive](https://inai.io/revive) ##### RESOURCE - [Blog](https://inai.io/blog) - [Ebook](https://inai.io/ebook) - [Guide](https://inai.io/guide) - [Comic strip](https://inai.io/comic-strip) ##### COMPANY - [Contact Us](https://inai.io/contact-us) - [Documentaton](https://docs.inai.io/docs) - [Careers](https://www.notion.so/Job-Board-83509f377b1a41f3b2b2ef2499c57601) ##### LEGAL - [Terms & Conditions](https://inai.io/terms-and-conditions) - [Privacy policy](https://inai.io/privacy-policy) - [Security](https://inai.io/security) --- ![inai logo - dark 1(1)](https://inai.io/hs-fs/hubfs/inai%20logo%20-%20dark%201(1).png?width=123&name=inai%20logo%20-%20dark%201(1).png "inai logo - dark 1(1)") [Follow us on LinkedIn](https://www.linkedin.com/company/inai-in/mycompany/) [Follow us on Twitter](https://twitter.com/inaitech) [facebook-f icon](https://www.facebook.com/inaitech/) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Anta Pattabiraman", "url" : "https://inai.io/blog/author/anta-pattabiraman" }, "dateModified" : "2023-07-26T06:46:46.382Z", "datePublished" : "2022-06-08T11:08:00.000Z", "headline" : "Top 12 Payment gateways In Vietnam That You Need To Know About", "image" : [ "https://inai.io/hubfs/top-12-payment-gateways-in-vietnam.png" ], "mainEntityOfPage" : { "@id" : "https://inai.io/blog/top-12-payment-gateways-in-vietnam", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://inai.io/hubfs/inai_logo_horizontal_black-2.png" }, "name" : "inai Technologies C.o." } } ```