Market specifications

Take a look of all the payment methods available.

Country reference Cards supported APM supported

Cards

Find all the information about the card supported capabilities.

Brands Capabilities Process Card Payments

Alternative Payments

Learn how to integrate cash, bank transfer or wallet payment.

VTC Pay VN Pay 9Pay Baokim MoMo

Market specifications

Do you want to know more information about Vietnam's market? Go to the Accelerate Growth in Asia’s Leading eCommerce Hubs article.

Country reference

`country` code	`currency` code	`amount` decimals	`document` name	`document` format	`document` required?
`VN`	`VND`	2	VNID	9 or 13 digits	Yes

Cards supported

`payment_method_id`	Brand ID	Name	`payment_method_type`	Details	Allowed Flows
`CARD`	`VB`	Visa	`CARD`	Credit Card	`REDIRECT`
`CARD`	`VB`	Mastercard	`CARD`	Credit Card	`REDIRECT`
`CARD`	`NS`	Napas	`CARD`	Credit Card	`REDIRECT`

ℹ️
To offer all the card options that may be available in your integration, send the payment_method_id as CARD.

Alternative Payment Method supported

`payment_method_id`	Name	`payment_method_type`	Details	Allowed Flows
`VT`	VTC Pay	`WALLET`	Wallet	`REDIRECT`
`QR`	VNPay	`WALLET`	Wallet	`REDIRECT`
`NP`	9Pay	`WALLET`	Wallet	`REDIRECT`
`VB`	Baokim	`BANK_TRANSFER`	Bank Transfer	`REDIRECT`
`VQ`	MoMo	`TICKET`	Wallet	`REDIRECT`

Cards

Brands

While various payment methods are used in Vietnam, cards represent the most popular way for Vietnamese online shoppers to pay for their products.

Capabilities

	Visa Credit	Mastercard Credit	JCB
Minimum amount	5000 VND	5000 VND	5000 VND
Refunds	Yes	Yes	Yes
Recurring	Yes	Yes	Yes
Chargeback option	Yes	Yes	Yes
Chargeback Dispute option	No	Yes	Yes
Descriptor	Can be personalized, depending on provider.	Can be personalized, depending on provider.	Can be personalized, depending on provider.

How to process Card Payments?

Learn how to process payments with credit and debit cards with dLocal in our Card Payments section.

Alternative Payment Method

VTC Pay

VTC Pay is a mobile wallet in Vietnam. It can be loaded via bank transfer from 34 participating local banks, or from four international card networks. It allows customers to pay bills, top up mobile phones or gaming accounts, and make money transfers.

Capabilities

	VTC Pay
Min. amount	5000 VND
Max. expiration time supported	5 days
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic VTC Pay redirect flow on a browser.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`VND` Transaction currency.	Yes
`country`	String	`VN` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`VT` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 7000,
    "currency": "VND",
    "country": "VN",
    "payment_method_id": "VT",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "123456789",
        "address": {
            "country": "VN",
            "state": "Ha Nam",
            "city": "Phu Ly",
            "zip_code": "8858",
            "street": "Main St.",
            "number": "540"
        }
    },
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-b0e4ffab-153f-4650-b76c-b234c645b5c8",
    "amount": 7000,
    "currency": "VND",
    "payment_method_id": "VT",
    "payment_method_type": "BANK_TRANSFER",
    "payment_method_flow": "REDIRECT",
    "country": "VN",
    "created_date": "2023-01-27T21:53:51.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-018afbef-e6ff-4348-8bf0-7e57c6ba9a3d"
}

VN Pay

VNPAY-QR is a payment solution that uses a QR Code scanning function integrated into 33 mobile banking applications, VNPAY wallet, and other 8 e-wallets. This would enable consumers to pay immediately, securely, and easily for their purchases.

Capabilities

	VN Pay
Min. amount	5000 VND
Max. expiration time supported	15 minutes
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic VN Pay redirect flow.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`VND` Transaction currency.	Yes
`country`	String	`VN` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`QR` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 7000,
    "currency": "VND",
    "country": "VN",
    "payment_method_id": "QR",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "123456789",
        "address": {
            "country": "VN",
            "state": "Ha Nam",
            "city": "Phu Ly",
            "zip_code": "8858",
            "street": "Main St.",
            "number": "540"
        }
    },
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-d89b2dae-02b8-43c6-fg54-31728101cd59",
    "amount": 7000,
    "currency": "VND",
    "payment_method_id": "QR",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "VN",
    "created_date": "2023-01-27T21:55:00.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments/M-df6e9287-7a43-sd34-9e3f-00ff68991ec6"
}

9Pay

With 9Pay customers can pay with Credit Card, ATM Card, Bank Transfer, eWallet, and other methods.

Capabilities

	9Pay
Min. amount	10000 VND
Max. expiration time supported	15 minutes (Can be extended by provider)
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

Wallet flow

The screenshots illustrate a generic 9Pay redirect flow on a browser choosing 9Pay wallet to pay.

Card flow

The screenshots illustrate a generic 9Pay redirect flow on a browser choosing local debit card.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`VND` Transaction currency.	Yes
`country`	String	`VN` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`NP` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 7000,
    "currency": "VND",
    "country": "VN",
    "payment_method_id": "NP",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "123456789",
        "address": {
            "country": "VN",
            "state": "Ha Nam",
            "city": "Phu Ly",
            "zip_code": "8858",
            "street": "Main St.",
            "number": "540"
        }
    },
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-557f33e1-a5fc-4f4e-rgtr-cc757ab266bd",
    "amount": 7000,
    "currency": "VND",
    "payment_method_id": "NP",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "VN",
    "created_date": "2023-01-27T22:01:16.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-929dedd5-3ce7-4b01-34we-b612a31692b8"
}

Baokim

With Baokim, customers have a wide range of payment options available, including ATM/NAPAS cards, credit cards, VietQR, mobile money, bank transfers, and ViettelPay wallet.

Capabilities

	Baokim
Min. Amount.	5000 VND
Max. expiration time supported	30 minutes
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

UX Flow

The screenshots illustrate a generic Baokim redirect flow choosing Bank Transfer as a payment method. The specifics of the flow can change depending on the payment method selected to complete the transaction.

Request parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged.	Yes
`currency`	String	`VND` Transaction currency.	Yes
`country`	String	`VN` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`VB` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

{
    "amount": 7000,
    "currency": "VND",
    "country": "VN",
    "payment_method_id": "VB",
    "payment_method_flow": "REDIRECT",
    "payer": {
        "name": "Jane Doe",
        "email": "[email protected]",
        "document": "123456789",
        "address": {
            "country": "VN",
            "state": "Ha Nam",
            "city": "Phu Ly",
            "zip_code": "8858",
            "street": "Main St.",
            "number": "540"
        }
    },
    "order_id": "34545sds3483kqw0",
    "description": "Tshirt",
    "notification_url": "http://merchantsite.com/notification/new",
    "callback_url": "http://merchantsite.com/success_page"
}

{
    "id": "R-4-557f33e1-a5fc-4f4e-rgtr-cc757ab266bd",
    "amount": 7000,
    "currency": "VND",
    "payment_method_id": "NP",
    "payment_method_type": "TICKET",
    "payment_method_flow": "REDIRECT",
    "country": "VN",
    "created_date": "2023-01-27T22:01:16.000+0000",
    "status": "PENDING",
    "status_detail": "The payment is pending.",
    "status_code": "100",
    "order_id": "345453483kqws0",
    "description": "Tshirt",
    "notification_url": "http://merchant.com/notification/new",
    "redirect_url": "https://pay.dlocal.com/gmf-apm/payments-redirect/M-929dedd5-3ce7-4b01-34we-b612a31692b8"
}

MoMo

MoMo Wallet, both on a domestic and international scale, functions as a digital wallet and mobile payment solution hailing from Vietnam.

It empowers users to efficiently oversee their financial resources, execute seamless money transfers, partake in transactions, and conveniently settle payments for a wide array of goods and services. Its intuitive user interface ensures a user-friendly experience, fostering straightforward and secure management of both local and cross-border merchant payments.

Capabilities

	MoMo
Min. Amount.	1000 VND
Max. expiration time supported	10 minutes
Notification delay	Immediate
Refunds	Yes
Flow	`REDIRECT`

Request Parameters

Property	Type	Description	Mandatory?
`amount`	Number	Amount to be charged	Yes
`currency`	String	`VND` Transaction currency.	Yes
`country`	String	`VN` Transaction country in ISO 3166.	Yes
`payment_method_id`	String	`VQ` ID of the selected payment method.	Yes
`payment_method_flow`	String	`REDIRECT`	Yes
`payer.name`	String	Name of the payer.	Yes
`payer.email`	String	Email of the payer.	Yes
`payer.document`	Number	Document of the payer.	Yes
`payer.phone`	Number	Phone number of the payer.	Yes
`order_id`	Number	ID of the capture given by the merchant in their system. Think of it as an external id of the capture.	No
`notification_url`	String	Notifications will be sent in every change of status of a payment to the `notification_url` specified by the merchant.	No

Examples

 {
     "amount": 7000,
     "currency": "VND",
     "country": "VN",
     "payment_method_id": "VQ",
     "payment_method_flow": "REDIRECT",
     "payer": {
         "name": "Jane Doe",
         "email": "[email protected]",
         "document": "123456789",
         "phone": "0399999999",
         "address": {
             "country": "VN",
             "state": "Ha Nam",
             "city": "Phu Ly",
             "zip_code": "8858",
             "street": "Main St.",
             "number": "540"
         }
     },
     "order_id": "34545sds3483kqw0",
     "description": "Tshirt",
     "notification_url": "http://merchantsite.com/notification/new",
     "callback_url": "http://merchantsite.com/success_page"
 }

 {
     "id": "R-4-7147efbb-6817-45cd-5te3-9e695ed57f53",
     "amount": 7000,
     "currency": "VND",
     "payment_method_id": "VQ",
     "payment_method_type": "TICKET",
     "payment_method_flow": "REDIRECT",
     "country": "VN",
     "created_date": "2023-08-17T14:00:18.000+0000",
     "status": "PENDING",
     "status_detail": "The payment is pending.",
     "status_code": "100",
     "order_id": "34545sds3483kqw0",
     "description": "Tshirt",
     "notification_url": "http://merchantsite.com/notification/new",
     "redirect_url": "https://payment.momo.vn/v2/gateway/pay?t=TU9NT0oxT0IyMDIyMTAwTGHt6yMTc0XzE5NTczNjFfN1I0&s=bf9d8e990e24b02c97255c0fa0d1500e8fe605968b5gf56yq641d1af6f0bdd60f"
 }

Example ticket

MoMo UI built with the information in the example above.