Bank Transfer via VietQR

Bank Transfer via VietQR (VietQR) is a real-time money transfer method between bank accounts by using Napas in Vietnam. With enhancements from Zalopay, VietQR has been transformed into a combination of bank deeplink and traditional QR payment methods, with 20 million VietQR users as of November 2023 and a 41% penetration rate among the bank population.

Properties

The following table lists the product properties supported by VietQR.

Payment type	Real-time payment
Funding source	Balance
Acquirer	AntomSG, AntomUS, AntomUK, AntomEU, AntomHK	Merchant entity location	SG, US, UK, EEA, HK
Payment flow	Code-scanning/Deeplink	Refund	✔️
Buyer country/region	Vietnam	Partial refund	✔️[1]
Processing currency	VND	Chargeback/Dispute	❌
Minimum payment amount	2,000 VND	Refund period	180 days
Maximum payment amount	499,000,000 VND	Time to return payment result	Real-time
		Default timeout	15 minutes

[1] Partial refund is not supported for transactions paid using a digital wallet, except for Zalopay.

User experience

Note: The following payment flows on different terminals are reference only, and represent this payment method's flow on different terminal types. For supported merchants' terminal types, consult Antom Technical Support.

The following graphics show the user experience of paying with VietQR:

Web

Deeplink

QR code

1. The buyer selects VietQR to pay at the merchant checkout page.
2. The buyer is redirected to the Antom checkout page, where a generated QR code is displayed.
3. The buyer opens the desired bank or digital wallet app and navigates to the QR code scanning function.
4. The buyer scans the QR code.
5. The buyer verifies the payment details.
6. The buyer completes the authorized payment and confirms the payment.
7. The buyer checks the transaction confirmation in the bank app or digital wallet app.
8. The buyer manually switches back to the merchant page to check the payment result.

1. The buyer selects VietQR to pay at the merchant checkout page.
2. The buyer is redirected to the Antom checkout page to select the desired digital wallet or bank app.
3. Antom launches the selected bank or digital wallet app automatically to proceed with payment.
4. The buyer checks the order payment details.
5. The buyer completes the authorization and confirms the payment.
6. The buyer checks the transaction confirmation in the bank app or digital wallet app.
7. The buyer is then redirected to the merchant result page.

1. The buyer selects VietQR to pay at the merchant checkout page.
2. The buyer is redirected to the Antom checkout page, selects the Use QR code option, and clicks Continue.
3. Antom displays a generated QR code, where the buyer can take a screenshot to save the QR code image.
4. The buyer opens the desired bank or digital wallet app and navigates to the QR code scanning function.
5. The buyer selects the saved QR code image for scanning.
6. The buyer verifies the payment details.
7. The buyer completes the authorized payment and confirms the payment.
8. The buyer checks the transaction confirmation in the bank app or digital wallet app.
9. The buyer manually switches back to the merchant page to check the payment result.

Supported online payment integrations

Antom offers a range of integration options tailored to each payment method. Each payment method may support different online payment integration options, allowing for flexibility based on your business requirements. The table below provides detailed information about the specific integrations available for each payment method:

Supported online payments	Supported integrations
One-time Payments	✔️ API-only ✔️ Hosted Checkout Page ✔️ Embedded Checkout Page ❌ Web Element ❌ Mobile Element ❌ Payment links
Tokenized Payment	❌
Subscription Payment	❌
EasySafePay	❌
Scan to Link	❌