Comprehensive payment solution
Accept domestic and international payments and expand your business with AppotaPay.
Compatible with leading payment methods
Allow your customers to pay using their favorite method, enhancing customer experience and improving conversion rates.
Accept payment by domestic cards issued by 40 domestic banks.
Agribank
Techcombank
BIDV
ACB
OCB
TP Bank
MB Bank
VP Bank
Complete payments easily with Visa, MasterCard, JCB card issued globally.
Visa
MasterCard
JCB
Unionpay
American Express
Support online payment via internet banking.
Pay with leading e-wallets in Vietnam: Appota Wallet, Momo, ShopeePay, VNPay,…
Compare payment methods
| Criteria | ATM card | International cards | Bank transfer | E-wallet |
Conversion installment |
|---|---|---|---|---|---|
|
Procedures registration |
Simple Online/offline registration |
Medium Online/offline registration |
Simple Online/offline registration |
Simple Online registration |
Medium Online/offline registration |
|
Payment method |
Enter card number, OTP |
Enter card details, OTP/3D Secure |
Bank transfer, Payment Link, cross-border QR scan |
Pay via app, QR, phone number |
Pay by credit card, select installment term |
|
Time to deploy |
Instant | 3 - 7 days | Instant | 5 - 15 minutes | 3 – 7 days |
| Security | High | Very high | High | High | High |
|
Speed processing |
5 - 15 seconds | 3 - 10 seconds | Instant - 30 seconds | 1 - 5 seconds | 5 – 15 seconds |
|
Target users |
Individuals/Businesses With a bank account |
Individuals/businesses selling online/cross-border |
Individuals/businesses with a bank account |
Individuals/businesses registering as a merchant | Individuals who meet credit eligibility. Retail/eCommerce businesses with partner integration |
Optimize your business revenue
Easy to operate and control
Real-time transaction tracking & management of revenue.
Risk management
Automatically scan and warning of potential risk
The system easily integrates across various platforms
Website
Supports all PC and mobile website interface.
Application
Supports Android and IOS operating systems, using in-app payment interface.
Payment Link
No-code solution to your social-commerce business on Facebook, Instagram,…
Supports all PC and mobile website interface.
Supports Android and IOS operating systems, using in-app payment interface.
No-code solution to your social-commerce business on Facebook, Instagram,…
The payment process through the AppotaPay payment gateway
To help businesses deploy the Payment Gateway quickly and operate it efficiently, AppotaPay has built a clear, optimized payment gateway integration process:
Choose a payment method
The customer selects a product/service and a supported payment method through the AppotaPay Payment Gateway.
Initiate the transaction
The partner system sends a request to create a transaction; AppotaPay receives it and returns a payment link/page for the customer to continue the transaction.
Confirm the payment
The customer enters their information and confirms the transaction on the AppotaPay payment page; AppotaPay connects to the bank/processing unit to authenticate the payment.
Return the transaction result
AppotaPay updates the status, sends an IPN API callback to the partner system, and redirects the customer back to the website/app to display the result.













Satisfied customers
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For BnB, speed, accuracy and convenience are always the top 3 criteria we set for our payment partners, to bring the most seamless and wonderful experience to customers. And we found that at Appotapay.
Tuan NgoCEO, CTO Beloved and Beyond
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We’ve been using AppotaPay for more than 6 months, we are very satisfied because the payment gateway operates stably, supporting flexible and fast revenue and expenditure.
Minh NguyenHead of Sales, MB Ageas Life
-
The technical team always give us supports 24/7, the management system is user-friendly, and mobile-friendly, helping us to manage on the go.
Quang NguyenChairman of MedPro
Ready to get started?
Enhance your customer experience, starting with integrating all the payment methods they love!
Payment Gateway FAQ
AppotaPay fully supports all popular payment methods: domestic ATM cards, international cards (Visa, Mastercard, JCB, UnionPay), bank transfers (QR/VietQR), e-wallets (MoMo, ZaloPay, ViettelPay…), QR Global, Apple Pay, Samsung Pay, Google Pay and 0% interest installments.
Integration time depends on the complexity of your system. A basic integration (website/app) typically takes 3–7 business days. AppotaPay provides detailed API documentation and dedicated technical support throughout the process, helping you shorten time to go-live.
Yes. AppotaPay provides a fully featured sandbox environment so businesses can test the entire payment flow before going live. The sandbox accurately simulates the behavior of the production system, helping you detect and resolve issues before official deployment.
No. A transaction is only recorded when it is processed successfully. If a transaction fails (due to connection errors, insufficient balance, card declined, etc.), the system automatically refunds to the original source or does not charge at all. Transaction status is updated transparently via the dashboard.
Businesses can look up their entire transaction history, revenue reports and reconciliation data directly on the AppotaPay Partner dashboard. The system lets you filter by channel, time and status, and export detailed report files (fees, VAT, net amount received).
The AppotaPay technical support team operates 24/7. Businesses can reach us via hotline, email or the support ticket system on the dashboard. Every issue is logged and handled according to a priority process, ensuring the fastest possible response time.
Local Expertise - Global Standards
Empowering businesses with solid infrastructure, streamlined operations, and effortless scaling.
Contact
Headquarters: Building 15+17, Lane 81, Lang Ha Street, O Cho Dua Ward, Hanoi City, Vietnam
Branch: 4th Floor, TF Building, 408 Dien Bien Phu, Vuon Lai Ward, Ho Chi Minh City, Vietnam
Support/consultation hotline: 19006004
Business contact: (+84) 938412287
Services
Experience
News
Support
About AppotaPay
Licensed to provide intermediary payment services under License No. 74/GP-NHNN issued by the State Bank of Vietnam on 08/10/2020.
Local Expertise - Global Standards
Empowering businesses with solid infrastructure, streamlined operations, and effortless scaling.
Contact
Headquarters: Building 15+17, Lane 81, Lang Ha Street, O Cho Dua Ward, Hanoi City, Vietnam
Branch: 4th Floor, TF Building, 408 Dien Bien Phu, Vuon Lai Ward, Ho Chi Minh City, Vietnam
Support/consultation hotline: 19006004
Business contact: (+84) 938412287
Services
Experience
News
Support
About AppotaPay
Address
Licensed to provide intermediary payment services under License No. 74/GP-NHNN issued by the State Bank of Vietnam on 08/10/2020.