Qitero Qitero

VietQR (NAPAS 247)

Country: Vietnam (VN)  |  Payment Rail: real_time_payment

RealTimePayment Market Adoption: 70%

VietQR is Vietnam's national instant interbank QR payment standard powered by NAPAS 247, enabling direct bank-to-bank mobile transfers.

🔄 User Payment Flow

  1. Customer selects VietQR at checkout
  2. Checkout displays a dynamic VietQR image with bank transaction reference
  3. Customer opens any Vietnamese mobile banking application
  4. Customer scans VietQR and confirms transaction via OTP or PIN
  5. NAPAS clears bank-to-bank in real-time and merchant updates order

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringNO
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant calls payment creation API to request dynamic VietQR payload
  • PSP queries NAPAS 247 gateway and generates QR code
  • PSP receives instant bank webhook notification and confirms order