# ZaloPay > ZaloPay is one of the leading digital wallets in Vietnam. **Tab: For One-time Payments** Founded by VNG in 2016, ZaloPay is one of the leading digital wallets in Vietnam. It offers mobile payment solutions for users to shop online, pay bills, make donations, and transfer money easily. With 70% of Vietnamese being unbanked and only 4% possessing a credit card, allowing customers to pay with digital wallets is crucial for the growth of online businesses in the Vietnamese market. ZaloPay has close to 15 million users, and targets primarily young adults (20 to 35 years old) who have a high demand for mobile payments and transfers. ## Properties {#jFBn8} The properties of the ZaloPay payment method are shown in the following table: | **Payment type** | Digital wallet | | | | --- | --- | --- | --- | | **Funding source** | Wallet balance, Bank account | | | | **Acquirer** | AntomSG, AntomHK, AntomUS, AntomUK, AntomEU | **Merchant entity location** | SG, HK, US, UK, EEA | | **Payment flow** | Redirect | **Refund** | ✔️ | | **Buyer country/region** | Vietnam | **Partial refund** | ✔️ | | **Processing currency** | VND | **Chargeback** **/Dispute** | ❌ | | **Minimum payment amount** | 1,000 VND | **Refund period** | 180 days | | **Maximum payment amount** | 10,000,000 VND; 20,000,000 VND per day; 100,000,000 VND per month | **Time to return payment result** | Real-time | | **Default timeout** | 14 minutes | | | ## User experience {#m1MTj} > **[INFO]** **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 figure shows the ZaloPay payment process: **Tab: App/WAP** ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/yuque/idocs/2025/png/1165c90b-b723-4d37-8efc-c599700d47f2.png) 1. The buyer selects ZaloPay on the merchant app or WAP page. 2. The buyer is redirected to the ZaloPay or Zalo app to see the transaction details. 3. The buyer o ptionally changes the source of funds for payment. 4. The buyer authorizes the transaction with a fingerprint or passcode. 5. The buyer checks the payment result. 6. Automatically redirect the buyer to the merchant app or WAP page. **Tab: Web** ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/1703054688362-c728b4d9-67c1-4867-b213-9818d417156e.png) 1. The buyer selects ZaloPay on the merchant PC browser. 2. The buyer obtains a payment QR code. 3. The buyer opens QR scan on the ZaloPay or Zalo app. 4. The buyer gets the payment result and optionally changes the source of funds for payment. 5. The buyer authorizes the transaction with a fingerprint or passcode. 6. The buyer checks the payment result. 7. The buyer reviews the payment result on the merchant PC browser. **Tab: For Tokenized Payment** Founded by VNG in 2016, ZaloPay is one of the leading digital wallets in Vietnam. It offers mobile payment solutions for users to shop online, pay bills, make donations, and transfer money easily. With 70% of Vietnamese being unbanked and only 4% possessing a credit card, allowing customers to pay with digital wallets is crucial for the growth of online businesses in the Vietnamese market. ZaloPay has close to 15 million users, and targets primarily young adults (20 to 35 years old) who have a high demand for mobile payments and transfers. ## Properties {#h488j} The following table lists the product properties supported by ZaloPay: | **Payment type** | Digital wallet | | | | --- | --- | --- | --- | | **Funding source** | Wallet balance, Bank account | | | | **Acquirer** | AntomSG, AntomHK, AntomUS, AntomUK, AntomEU | **Merchant entity location** | SG, HK, US, UK, EEA | | **Payment flow** | Redirect | **Refund** | ✔️ | | **Buyer country/region** | Vietnam | **Partial refund** | ✔️ | | **Processing currency** | VND | **Chargeback/Dispute** | ❌ | | **Minimum payment amount** | 1000 VND | **Refund period** | 180 days | | **Maximum payment amount** | 10,000,000 VND; 20,000,000 VND per day; 100,000,000 VND per month | **Time to return payment result** | Real-time | | **Token refresh** | ❌ | | | ## User experience {#VhS7X} The following figure shows the ZaloPay authorization process: **Tab: App/WAP** ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/1703055709670-d5333678-6b83-448d-a31e-ff7dabb77226.png) 1. The buyer chooses ZaloPay to bind on the merchant app or WAP page. 2. The buyer is redirected to the ZaloPay or Zalo app to see the binding details with the available fund sources (balance, saving account, linked bank account). 3. The buyer authorizes the transaction with the fingerprint or passcode. 4. The buyer obtains the binding result. 5. The buyer is automatically redirected to the merchant app or WAP page. **Tab: PC browser** ![](https://idocs-assets.marmot-cloud.com/storage/idocs87c36dc8dac653c1/1703055851070-61739319-6285-4601-83c3-ebf6affaa77a.png) 1. The buyer chooses ZaloPay to bind on the merchant PC browser. 2. The buyer gets a binding QR code. 3. The buyer opens the QR scan on the ZaloPay or Zalo app. 4. The buyer obtains the binding details with available fund sources (balance, saving account, linked bank account). 5. The buyer authorizes the transaction with the fingerprint or passcode. 6. The buyer obtains the binding result. 7. The buyer checks the binding result on the merchant PC browser. ## Supported online payment integrations {#57c4db95} 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](https://docs.antom.com/ac/cashierpay/apm_api.md) ✔️ [Hosted Checkout Page](https://docs.antom.com/ac/cashierpay/HOSTEDCKP.md) ✔️ [Embedded Checkout Page](https://docs.antom.com/ac/cashierpay/embeddedckp.md) ✔️ [Web Element](https://docs.antom.com/ac/cashierpay/element.md) ✔️ [Mobile Element](https://docs.antom.com/ac/cashierpay/element.md) ❌ Payment links | | Tokenized Payment | ✔️ [API-only](https://docs.antom.com/ac/auto_debit/integration_guide.md) | | Subscription Payment | ❌ | | EasySafePay | ❌ | | Scan to Link | ❌ | ## Not a customer yet? Speak to our payment experts for product demos, personalised solutions, pricing, and fast integration support. Contact us now to discover a tailored payment experience for your business! 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