VietQR (NAPAS 247)
国家/地区: 越南 (VN) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 70%
VietQR 是越南国家支付公司（NAPAS）联合央行推出的全国统一即时扫码支付标准，在越南跨行转账和线下线上通用扫码领域处于核心地位，以银行账户直连、秒级到账和零拒付风险为优势，广泛用于电商结账、商户扫码及个人间转账。
🔄 用户付款交互流 (User Flow)
- Customer selects VietQR at checkout
- Checkout displays a dynamic VietQR image with bank transaction reference
- Customer opens any Vietnamese mobile banking application
- Customer scans VietQR and confirms transaction via OTP or PIN
- NAPAS clears bank-to-bank in real-time and merchant updates order
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | NO |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- 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