Vietcombank
Country: Vietnam (VN) | Payment Rail: bank_network
OnlineBanking
Market Adoption: 50%
Vietcombank is Vietnam's largest commercial bank by market value, offering secure online banking API payments and nationwide account clearing.
🔄 User Payment Flow
- Customer selects Vietcombank Online at merchant checkout
- Checkout redirects customer to VCB Digibank online banking portal
- Customer logs in with Vietcombank credentials and receives Smart OTP
- Customer authorizes transaction via VCB Digibank mobile app
- Vietcombank debits bank account and notifies merchant
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | YES |
| Supports Recurring | NO |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant calls payment API to create Vietcombank checkout session
- PSP issues VCB online gateway redirect link
- PSP receives Vietcombank clearing notification and updates merchant order