Galaxy Pay Payment Orchestration Platform

Galaxy Pay is a Vietnamese payment intermediary licensed by the State Bank of Vietnam in August 2021 for e-payment gateway, collection and payout support, and e-wallet services. It provides payment infrastructure for partners and businesses, most visibly as the payment hub behind Vietjet Air and the SkyJoy loyalty programme.

The payment orchestration platform lets merchants accept domestic and international cards, e-wallets and alternative methods through one integration, with international gateways such as MPGS and Cybersource connected side by side. A dynamic routing feature sends each transaction to the most suitable gateway based on preset rules to raise success rates. Other modules include collection and payout, SoftPOS that turns a phone into an NFC terminal with loyalty earn and burn, a digital product hub for agents, a business wallet and chip-based citizen ID checks.

• Payment orchestration: Accepts cards, e-wallets and alternative methods through one integration.
• Dynamic routing: Directs each transaction to the best gateway using preset rules.
• Collection and payout: Collects or disburses funds on behalf of contracted partners.
• SoftPOS with loyalty: Turns phones into NFC terminals with points earn and burn.
• Digital Product Hub: Lets partners and agents sell digital products.
• ID Check: Verifies chip-based citizen ID cards for onboarding.

A travel company can route international card payments across MPGS and Cybersource to cut declines. A retail chain can let staff accept contactless cards on phones while awarding loyalty points. A distributor can pay agents and collect receivables through the collection and payout service.

Merchants connect once and gain several acquiring gateways, which reduces dependency on a single provider. Dynamic routing aims to raise transaction success rates and lower processing costs. PCI DSS 4.0.1 Level 1 certification, assessed by Crossbow Labs for the gateway, e-wallet and SoftPOS, supports enterprise security reviews. SoftPOS removes the need for dedicated card terminals.

Large Vietnamese merchants, especially airlines, travel and retail groups, now route payments across several gateways to improve approval rates and resilience. Payment orchestration, SoftPOS and embedded loyalty are emerging as standard layers as card, QR and wallet use grows and PCI DSS 4.0 becomes the security baseline.

Operated by Galaxy Pay Co., Ltd under SBV license No. 51/GP-NHNN issued on 16 August 2021, with brands Galaxy Pay, SkyPay and SkyPOS. Main named partners are Vietjet Air and SkyJoy; site headlines also mention a memorandum of understanding with Mastercard. Developer resources include API docs, a UAT demo, an API playground and .NET samples.