VNPAY Vietnam Payment Gateway API
VNPAY Vietnam payment gateway REST API for merchants to accept VNPAY-QR (interoperable with 50+ Vietnamese banks), credit/debit cards, bank transfers, and digital wallets through Vietnam's largest payment gateway network connecting 50+ Vietnamese banks for e-commerce and in-person payment automation. Enables AI agents to manage VNPAY-QR payment request for Vietnam QR code payment automation, handle bank transfer and internet banking for Vietnam online banking automation, access card payment processing for Vietnam card commerce automation, retrieve payment status and callback for Vietnam order confirmation automation, manage refund processing for Vietnam order management automation, handle subscription payment for Vietnam recurring billing automation, access transaction reporting for Vietnam financial reconciliation automation, retrieve merchant sandbox testing for Vietnam payment integration testing, manage VNPAY payment link for Vietnam no-code checkout automation, and integrate VNPAY with Vietnamese e-commerce, government, and enterprise platforms for end-to-end Vietnam payment automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Vietnam payments. PCI-DSS. TMN/SHA512. VN. Bank and card payment data.
⚡ Reliability
Best When
A Vietnamese merchant wanting AI agents to automate VNPAY-QR, internet banking, and card payment acceptance through VNPAY's dominant Vietnam payment gateway connecting 50+ local banks.
Avoid When
SBV REGULATORY COMPLIANCE: VNPAY operates under State Bank of Vietnam (SBV) intermediary payment service regulations; automated payment operations must comply with SBV transaction limits and KYC requirements; automated payment without merchant SBV compliance creates regulatory issues. VNPAY QR CODE STANDARD: VNPAY-QR follows NAPAS standard for QR interoperability; automated QR generation must use VNPAY-standard format; automated non-standard QR creates incompatibility with Vietnamese banking apps. CHECKSUM HASH REQUIRED: VNPAY API requires SHA512 HMAC checksum for request authentication; automated request must compute correct checksum; automated request without checksum creates authentication rejection. PAYMENT RESULT VNP_RESPONSECODE MAPPING: VNPAY returns result codes (00=success, 09=bank card blocked, 12=card exceeded limit, etc.); automated payment processing must map VNP response codes; automated binary success/failure check without code mapping creates misclassified declined transactions.
Use Cases
- • Accepting VNPAY-QR payments from Vietnam mobile banking checkout agents
- • Processing internet banking from Vietnam online banking payment agents
- • Handling bank transfers across 50+ Vietnam banks from merchant payment agents
- • Managing card payments from Vietnam e-commerce checkout agents
Not For
- • Pan-SEA payments beyond Vietnam (use Xendit or Omise for multi-country SEA)
- • International payments outside Vietnam (use Stripe for global markets)
- • Enterprise Vietnamese banking (use Vietcombank or BIDV direct for enterprise)
Interface
Authentication
VNPAY uses Terminal ID (TMN_CODE) and Secret Key with SHA512 HMAC for authentication. REST API with query params. Hanoi, Vietnam HQ. Founded 2004. Products: VNPAY-QR, internet banking (50+ banks), card processing, bank transfer. SDKs: PHP, Java, .NET, Node.js, Python. SBV-licensed. PCI DSS. Competes with ZaloPay and MoMo for Vietnam payments.
Pricing
Hanoi VN. SBV-licensed. Per-transaction fees in VND. Merchant agreement required.
Agent Metadata
Known Gotchas
- ⚠ QUERY PARAMETER-BASED API: VNPAY API uses URL query parameters (not JSON body) for payment initiation; automated request must build query string with correct parameters; automated JSON body request to VNPAY endpoint creates unrecognized parameter format
- ⚠ SHA512 HASH ALPHABETICAL PARAMETER SORT: VNPAY checksum requires parameters sorted alphabetically before hashing; automated hash generation must sort parameters case-sensitively before concatenation; automated unsorted parameter hash creates authentication failure
- ⚠ VNP_TXN_REF UNIQUENESS: VNPAY requires unique VNP_TXN_REF per transaction; automated retry must generate new reference; automated same TXN_REF retry creates duplicate transaction or status confusion
- ⚠ REDIRECT-BASED CHECKOUT ONLY: VNPAY checkout redirects customer to VNPAY payment page (no server-side direct charge); automated checkout must implement redirect flow; automated server-side card charge without redirect creates PCI and VNPAY flow violation
- ⚠ VNP_IPN URL REGISTRATION: VNPAY IPN (callback) URL must be registered in VNPAY merchant portal; automated IPN processing requires pre-registered URL; automated payment without IPN URL registration creates no server-side payment confirmation notification
Alternatives
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Scores are editorial opinions as of 2026-03-07.