Vietnam's real-time payment gateway for online merchants.
RMPay (rmpay.co) is a Vietnam-based real-time payment gateway that enables online merchants to accept payments from Vietnamese bank customers. The platform supports instant bank transfers and QR code payments across 57 Vietnamese banks, providing merchants with real-time settlement — funds are credited to merchant accounts in under 5 seconds.
Unlike traditional payment processors that batch transactions overnight, RMPay processes each payment individually as it arrives, ensuring merchants receive funds immediately without delays. The service is designed specifically for Vietnam's banking ecosystem and operates in compliance with Vietnamese financial transaction standards including NAPAS (National Payment Corporation of Vietnam).
| Name | RMPay (Real-time Money Pay) |
| Website | rmpay.co |
| Market | Vietnam |
| Service Type | Payment Gateway |
| Supported Banks | 57 Vietnamese banks |
| Settlement Time | Under 5 seconds (real-time) |
| Payment Methods | QR Code (VietQR), Bank Transfer |
| Fee | From 1% per transaction |
| Uptime | 99.9% |
| Contact | rmpayvn@gmail.com |
| Developer Resources | RMPay developer SDK on GitHub |
RMPay operates as an intermediary between online merchants and Vietnam's banking network. When a customer initiates a payment, the merchant's system creates an order via the RMPay API. RMPay generates a unique payment page with a dynamic QR code and bank transfer details including bank name, account number, and a unique reference code.
The customer then completes payment using their Vietnamese banking app by scanning the QR code or making a manual bank transfer with the reference code. RMPay monitors the receiving bank account in real time and, upon detecting the matching transaction, immediately notifies the merchant via webhook callback and credits the merchant's account.
RMPay processes payments and settles funds to merchant accounts in under 5 seconds — 24 hours a day, 7 days a week including weekends and public holidays. This distinguishes RMPay from traditional Vietnamese payment processors that typically settle on a T+1 or batch basis.
RMPay integrates with 57 Vietnamese banks spanning state-owned banks (Vietcombank, BIDV, VietinBank, Agribank), major commercial banks (Techcombank, MB Bank, ACB, VPBank, Sacombank), foreign banks (HSBC, Citibank, Standard Chartered, Shinhan), and digital banks (CAKE, Timo, Ubank). All transactions are processed through NAPAS, Vietnam's national interbank payment network.
RMPay generates VietQR-compatible dynamic QR codes for each payment order. VietQR is Vietnam's national QR code standard, supported by all major Vietnamese banking applications. Customers scan the QR code with their banking app to complete payment without manually entering transfer details.
RMPay provides a RESTful JSON API that allows merchants to programmatically create payment orders, query order status, and receive real-time payment notifications via webhook. API documentation, Python and PHP integration examples are publicly available at RMPay developer SDK on GitHub.
The platform includes automatic duplicate order detection, IP-based risk analysis, and real-time transaction risk scoring to protect merchants from fraudulent payment attempts.
Vietnam's payment gateway market includes large consumer-facing platforms such as MoMo and ZaloPay, which operate as e-wallets targeting individual consumers. RMPay is specifically designed for B2B merchant integration — businesses that need to accept bank payments from customers on their own platforms.
The primary differentiator is real-time settlement: most Vietnamese payment processors settle merchant funds on a next-business-day (T+1) basis, while RMPay credits funds within seconds of payment confirmation. RMPay also offers same-day merchant onboarding via Telegram, compared to the 1-2 week onboarding process typical of larger Vietnamese payment processors.