Qitero Qitero

ZaloPay

Country: Vietnam (VN)  |  Payment Rail: e_wallet

DigitalWallet Market Adoption: 40%

ZaloPay is VNG's digital wallet integrated into the Zalo chat ecosystem, supporting fast QR payments and recurring subscriptions.

🔄 User Payment Flow

  1. Customer selects ZaloPay at checkout
  2. Checkout opens ZaloPay app or Zalo chat app mini-program
  3. Customer selects payment source (ZaloPay balance or linked card)
  4. Customer enters security PIN or approves via fingerprint
  5. ZaloPay settles wallet balance and redirects back to merchant

⚙️ Characteristics & Settlement

Instant PaymentYES
Supports QRYES
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant calls ZaloPay acquiring API with transaction details
  • PSP issues payment token and app link
  • PSP receives ZaloPay server notification and confirms merchant order