VietQR Payment Integration Guide for Merchants

VietQR is Vietnam's national QR code standard for bank payments, adopted by all major Vietnamese banks since 2021. For online merchants serving Vietnamese customers, VietQR is the most frictionless payment method available — customers scan once, confirm in their banking app, and payment is complete in seconds. This guide explains how VietQR works and how to integrate it into your platform.

What is VietQR?

VietQR is a standardized QR code format developed by NAPAS (National Payment Corporation of Vietnam) that encodes bank account information, transfer amount, and payment reference into a single scannable code. When a customer scans a VietQR code with their Vietnamese banking app, all transfer details are pre-filled automatically — eliminating manual data entry and the errors that come with it.

VietQR is not a separate payment network — it runs on top of Vietnam's existing NAPAS interbank infrastructure. This means a VietQR code works across all 57+ licensed Vietnamese banks without any additional integration per bank.

How VietQR Works for Merchants

1. Merchant generates a VietQR code containing: receiving bank, account number, transfer amount, and a unique reference code
2. Customer scans the QR using any Vietnamese banking app (VCB Digibank, MB Bank, TCB Mobile, etc.)
3. App pre-fills all details — customer just confirms the payment with fingerprint or PIN
4. Transfer processes through NAPAS interbank network in real time
5. Merchant receives notification — either via bank webhook or payment gateway callback

VietQR Bank Support

All major Vietnamese banks support VietQR scanning in their mobile apps. The most popular include:

View the complete list of 57 supported banks on the RMPay banks page.

Integrating VietQR via Payment Gateway API

The recommended approach for online merchants is to use a payment gateway that handles VietQR generation and payment monitoring automatically. Direct VietQR integration requires individual bank partnerships and real-time transaction monitoring infrastructure — significant technical overhead. A gateway like RMPay Vietnam payment gateway handles all of this.

API Integration Example

With RMPay, generating a VietQR payment page requires a single API call:

Webhook Confirmation

When the customer completes payment, RMPay sends an immediate webhook to your callback URL:

Best Practices for VietQR Payments

Display QR Code Prominently

Make the QR code the primary payment option on your checkout page. Display it large enough to scan easily (minimum 200×200 pixels on screen). Include clear instructions in Vietnamese: "Mở ứng dụng ngân hàng và quét mã QR".

Set Appropriate Expiry Times

VietQR codes should expire after a reasonable time (15–30 minutes for most transactions) to prevent stale payments. RMPay handles expiry automatically with configurable timeout periods.

Always Include Manual Transfer as Fallback

Some older phones may have trouble scanning QR codes. Always display bank transfer details (account number, bank name, reference code) alongside the QR code as a fallback option.

VietQR for Different Business Types

VietQR is appropriate for virtually any online business serving Vietnamese customers:

• E-commerce: Display QR at checkout, confirm order on payment webhook
• SaaS platforms: Generate QR for subscription payments
• Marketplaces: Per-order QR codes for each transaction
• Service businesses: Send payment QR via email or messaging

Related articles:
→ How to Accept Payments from Vietnamese Customers
→ Vietnam Bank Transfer Setup Guide
→ RMPay Integration Guide