Home

Cross-border payment

Expand Your Revenue Globally

AppotaPay's Cross-border payment solution enables businesses inside and outside Vietnam to collect, disburse, and make international payments through a centralized payment platform, ensuring full compliance with Vietnamese regulations.

Cambodia

Yiwu Sourcing & Trading Ltd

CNY 45,200.00 Completed

China

Yiwu Sourcing & Trading Ltd

CNY 45,200.00 Completed

South Korea

Seoul K-Beauty Wholesale Corp

KRW 5,800,000 Completed

Thailand

Bangkok Fruit & Agricultural Export

THB 125,000.00 Completed

Laos

Vientiane Coffee Plantation

LAK 42,000,000 Completed

Cambodia

Phnom Penh Garment Factory

KHR 16,500,000 Completed

Cambodia

Yiwu Sourcing & Trading Ltd

CNY 45,200.00 Completed

Cambodia

Yiwu Sourcing & Trading Ltd

CNY 45,200.00 Completed

China

Yiwu Sourcing & Trading Ltd

CNY 45,200.00 Completed

South Korea

Seoul K-Beauty Wholesale Corp

KRW 5,800,000 Completed

Thailand

Bangkok Fruit & Agricultural Export

THB 125,000.00 Completed

Laos

Vientiane Coffee Plantation

LAK 42,000,000 Completed

Cambodia

Phnom Penh Garment Factory

KHR 16,500,000 Completed

Cambodia

Yiwu Sourcing & Trading Ltd

CNY 45,200.00 Completed

Cross-border payment connection model via AppotaPay

For international businesses

Foreign businesses providing products, services or digital platforms to customers in Vietnam.

Accept payments from Vietnamese users via domestic methods
Support transaction processing in VND
Reconciliation and settlement through a clear, legally compliant process

For Vietnamese businesses

Vietnamese businesses expanding their sales, services, or digital platforms to international markets.

Accept payments from international customers
Connect payment methods suited to each market
Manage transactions, reconciliation, and cash flow in one place

Core services

International payment gateway

Supports connecting and processing a wide range of international payment methods such as international cards, e-wallets, and local payment methods in each market through a network of banks and international payment partners.

For e-commerce businesses and digital services (SaaS, games, digital content) looking to reach customers worldwide.

Cross-border QR (AppotaPay QR Global)

Lets customers pay with the banking app or e-wallet in their own country, while businesses receive funds in VND.

For travel, hotel, retail, and F&B businesses serving international customers at the point of sale.

Collecting payments in Vietnam

Supports collection via Virtual Account and bank transfer, enabling automatic identification and reconciliation of every transaction.

For businesses with high transaction volumes or that need detailed cash flow control.

Making payments in Vietnam

Enables disbursements to bank accounts, cards, or e-wallets through an automated process.

For businesses that need to pay partners, suppliers, or users in Vietnam.

International payment gateway

Supports reconciliation and settlement of cross-border transactions through banks and international payment partners.

For businesses with revenue or expenses arising from international markets.

AppotaPay Cross-border QR Network

China

UnionPay International (UPI), Alipay/Alipay+

South Korea

GLN system

Laos

LAPNET system

Thailand

Thai QR Payment/PromptPay

Cambodia

KHQR System

AppotaPay core capabilities

Legal compliance
& international security

Operating under the Payment Intermediary License granted by the State Bank of Vietnam, meeting international security standards including PCI DSS Level 1.

Modern
technology platform

Supports a wide range of payment methods (ATM cards, Visa/MasterCard/JCB/UnionPay, bank transfers, e-wallets), operates fully online, and updates transaction status in real time on a centralized management system.

In-depth
operational expertise

A team of experts with deep knowledge of payments, reconciliation, and related regulations ensures that service deployment and operations remain transparent, stable, and well-suited to each business model.

Ready to get started?

Eliminate global payment barriers with AppotaPay - optimizing cross-border transactions to be fast, secure, and seamless.

Cross-border Payment FAQ

How can I increase the payment success rate from international customers?

The success rate depends on supporting the right payment methods for each market. AppotaPay helps businesses connect with the appropriate methods to improve conversion.

How are cross-border fund flows processed?

Transactions are processed through banks and payment partners, then reconciled and settled back to the business. AppotaPay helps you track and manage this entire process on a single system.

How long does it take for a business to receive funds?

Processing time depends on the payment method, the bank and the applicable regulations. AppotaPay keeps statuses transparent so businesses stay in control of their cash flow.

What are the costs of cross-border payments?

Costs may include transaction processing fees, partner fees and exchange rate differences. AppotaPay helps businesses choose the right method to optimize costs.

Does the exchange rate affect the amount actually received?

Yes. For international transactions, the exchange rate is a key factor. AppotaPay helps businesses manage cash flow and minimize unwanted fluctuations.

What happens if a transaction fails or is not completed?

The transaction will display a clear status in the system. Businesses can check it and reprocess it when needed.

Can disputes or chargebacks occur?

They can occur with certain methods such as international cards. AppotaPay helps businesses track and resolve them through a single point of contact.

Do I need to work with many different systems?

Cross-border usually involves multiple parties. AppotaPay lets businesses manage everything centrally instead of integrating and operating in a fragmented way.

Is it legally complicated?

International payments must comply with foreign exchange and documentation regulations. AppotaPay helps businesses operate within Vietnam's regulatory framework more simply.