Do you integrate with Vietnamese e-wallets and QR payment rails?

Yes, we integrate leading Vietnamese e-wallet and QR payment methods alongside card and bank transfer rails within a unified orchestration layer.

Can you reduce our transaction decline rate?

Yes, through smart PSP routing, retry logic, and performance analytics — clients typically see decline rates fall by more than half within the first few months.

How does automated reconciliation work with our existing PSPs?

We ingest settlement files from each PSP and match them automatically against your internal ledger, so your finance team only reviews genuine exceptions.

Do you integrate crypto payment rails alongside our existing card and bank rails?

Yes, crypto on/off-ramp providers are integrated behind the same orchestration and checkout layer as your traditional rails.

Is your architecture PCI DSS aligned?

Yes, we architect around tokenization and PCI DSS-aligned data handling so sensitive card data is minimized across your systems.

Payments & PSPs · Vietnam

Payments & PSPs Software Development in Vietnam

Payment service providers and platforms handling multi-rail, multi-currency transactions need orchestration, reconciliation, and fraud controls that scale across markets without manual overhead. In Vietnam, that means building to the expectations of Asia-Pacific: Payment intermediary services, including e-wallets, require a license from the State Bank of Vietnam (SBV) under its intermediary payment services framework.

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Vietnam Regulatory Landscape

What payments & psps businesses in Vietnam need to know

Payment intermediary services, including e-wallets, require a license from the State Bank of Vietnam (SBV) under its intermediary payment services framework.
Vietnam does not currently recognize cryptocurrency as a legal means of payment, and its broader digital asset legal framework remains under active development.
Foreign exchange and cross-border payment activity intersects with SBV foreign exchange management regulations.
We build to current SBV payment licensing expectations and treat digital-asset features conservatively given the evolving legal landscape, alongside Vietnamese regulatory counsel.

This information is provided for general orientation only and is not legal or licensing advice. Always confirm current requirements with qualified local counsel.

The Challenge

What payments & psps operators struggle with

Silent revenue loss from declines

Poor PSP routing and retry logic quietly loses revenue on every failed or declined transaction, often invisibly to finance teams.

Manual reconciliation overhead

Finance teams spend days each month manually matching PSP settlement files against internal ledgers instead of managing exceptions.

Fraud losses outpacing static rules

Rule-based fraud engines can't adapt fast enough to evolving attack patterns, driving up both chargebacks and false positives.

No single view across PSPs

Running multiple PSPs without a central orchestration layer makes routing decisions, reporting, and risk management inconsistent market to market.

Our Approach

How we support payments & psps in Vietnam

Payment orchestration & smart routing

Multi-PSP routing based on cost, success rate, and geography with automated failover, cutting decline rates measurably.

Automated reconciliation

Ledger-matching engines ingest PSP settlement files and reconcile automatically, surfacing only genuine exceptions.

AI-driven fraud detection

Hybrid ML and rules risk scoring layered on existing controls, reducing losses while cutting false positives that slow down good customers.

Crypto on/off-ramp integration

Fiat-to-crypto rails integrated alongside card and bank transfer rails behind a single API.

PCI DSS-aligned architecture

Tokenization and secure architecture review keep sensitive card data out of systems that don't need to touch it.

Relevant Services

Engineering practices for this industry

Payments

Payment Gateway & PSP Integration Services

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AI & Automation

AI Fraud Detection & Intelligent Automation

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API & Platform

API Integration & Open Banking Engineering

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FAQ

Payments & PSPs in Vietnam — FAQ

Vietnam does not yet have a comprehensive legal framework recognizing crypto as a payment instrument, so we recommend confirming scope with Vietnamese legal counsel first; most of our Vietnam work focuses on SBV-licensed payment and API infrastructure instead.