Qitero Qitero

MoMo Wallet

Country: Vietnam (VN)  |  Payment Rail: e_wallet

DigitalWallet Market Adoption: 60%

MoMo is Vietnam's super-app and leading digital wallet, offering QR payments, bill settlements, and auto-debit subscription services.

🔄 User Payment Flow

  1. Customer selects MoMo at checkout
  2. Checkout presents a QR code or opens MoMo app directly on mobile
  3. Customer scans QR code or approves transaction in MoMo app
  4. Customer inputs 6-digit transaction PIN or biometric auth
  5. MoMo debits wallet balance and redirects customer back to merchant

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant calls payment creation API to generate MoMo payment token
  • PSP issues payment QR or deep link
  • PSP sends instant webhook notification upon MoMo balance transfer clearance