What is the most popular way to pay in Vietnam?
Bank transfers through banking apps, often triggered by a VietQR code. Non-cash payments were worth about 28 times GDP in 2025, and QR code payments grew 124.06% in value over the year. Wallets such as MoMo and Napas cards complete the picture.
In detail
Bank transfers through banking apps, often triggered by a VietQR code. Non-cash payments were worth about 28 times GDP in 2025, and QR code payments grew 124.06% in value over the year. Wallets such as MoMo and Napas cards complete the picture.
How people pay in Vietnam in 2026
The national switch NAPAS runs the core rails: domestic Napas cards, Napas 247 instant transfers and the VietQR standard, which lets any banking app pay any bank's QR code. E-wallets such as MoMo, ZaloPay, ShopeePay and Viettel Money compete for the same QR moments.
Payment by card in Vietnam
Vietnam has its own domestic card scheme. NAPAS switches and brands Napas domestic debit and credit cards, while Visa, Mastercard and JCB serve international, travel and premium use. Over 164 million bank cards were in circulation in December 2025, up 5.32% year on year, and the number of POS terminals grew 19.86% in 2025, according to State Bank of Vietnam data. Domestic card transactions grew 13.9% a year on average from 2021 to 2025, far slower than QR and mobile payments.
More detail in our #PayWorldTour guide Payment methods in Vietnam.