Baokim Payment Gateway and Collection-Disbursement

Baokim is a Hanoi-based payment intermediary licensed by the State Bank of Vietnam. It serves merchants, lenders and logistics companies that need to accept money from customers and pay out funds at scale without building direct connections to each bank.

The payment gateway accepts domestic ATM cards, international cards, QR codes and interbank transfers through API, hosted page, payment link or browser extension. Collection support identifies incoming payments and reports cash flow in near real time, while disbursement support pays out loans, supplier invoices, commissions and salaries around the clock via API. Installment payments, digital goods such as bills and top-ups, a QR payment device and tools for small shops complete the offering.

• Payment gateway: Accepts domestic cards, international cards, QR codes and bank transfers.
• Collection support: Identifies incoming payments and reports cash flow in near real time.
• Disbursement API: Pays out loans, supplier invoices, commissions and salaries around the clock.
• Installments: Lets buyers split payments through bank credit cards or finance partners.
• Multiple integration modes: Offers API, hosted page, payment link and browser extension.
• QRBox device: Provides a QR payment device for counters and small shops.

A consumer finance company can disburse loans and collect repayments through one API. An electronics retailer can offer card, QR and installment checkout online and in store. A logistics firm can collect cash-on-delivery funds and pay drivers automatically.

Merchants reach 48 linked issuing banks through one integration. Baokim reports about 5,000 billion VND in monthly transaction value and 5 million transactions per month, showing capacity for high volumes. Automated collection matching and 24/7 disbursement shorten reconciliation and payout cycles for lenders and logistics firms. A State Bank license covers gateway, collection and disbursement services.

Cashless payments in Vietnam keep growing through QR, card and instant interbank transfers, while consumer lenders and e-commerce sellers need automated collection and payout at scale. Payment intermediaries with full State Bank licensing are becoming the default infrastructure layer between merchants and banks.

Headquartered at 311-313 Truong Chinh, Hanoi. Payment intermediary license No. 06/GP-NHNN issued on 2 February 2026 covers payment gateway, e-wallet, collection and disbursement services. Partner logos include Kredivo, Home PayLater, VNPost, FPT Shop and Viettel Post. Received SME100 Fast-moving Companies and Great Place to Work recognitions.