What is VietQR?
VietQR is the national QR payment standard run by NAPAS. Any connected banking app can scan a VietQR code to send an instant Napas 247 transfer to the merchant's account. Napas 247 volume grew 27% in 2025.
In detail
VietQR is the national QR payment standard run by NAPAS. Any connected banking app can scan a VietQR code to send an instant Napas 247 transfer to the merchant's account. Napas 247 volume grew 27% in 2025.
How VietQR works
Bank transfers are the heart of Vietnamese payments. NAPAS, majority-owned by the State Bank of Vietnam, connects banks through Napas 247, a 24/7 instant payment service, and through VietQR, the national QR standard that encodes an account so any banking app can pay it. In 2025, Napas 247 transfers grew 27% in volume, and QR code payments grew 50.94% in volume and 124.06% in value.
VietQR at checkout
Online, the most common flow is a dynamic QR code on the checkout page, scanned and confirmed in the shopper's banking app. Security rules add friction: since July 1, 2024, SBV Decision 2345 requires biometric checks for transfers of VND 10 million or more. E-wallets such as MoMo, ZaloPay, ShopeePay and Viettel Money compete for the same QR moments. Merchants should check dynamic QR reconciliation with their payment intermediary.
More detail in our #PayWorldTour guide Payment methods in Vietnam.