AppotaPay Payment Gateway & QR Global

AppotaPay is a Hanoi-based digital payment company licensed by the State Bank of Vietnam as a payment intermediary (licence 74/GP-NHNN, issued in October 2020), with a branch in Ho Chi Minh City. It serves domestic and foreign businesses that need to collect and disburse money in Vietnam across online, in-store and cross-border channels.

Its payment ecosystem includes a payment gateway, payment links including versions for online travel agencies, QR code and VietQR, QR Global and cross-border acceptance for international visitors, buy now pay later, card tokenization, SmartPOS and SoftPOS, plus collection and disbursement services and the Appota e-wallet and open e-wallet. It connects with more than 40 domestic banks, e-wallets and international cards including UnionPay. The platform handles over 3,000 transactions per second, and customers range from F&B chains and marketplaces to hotels, airlines and digital platforms.

• Payment gateway: Accepts bank transfers, e-wallets and cards online.
• QR Global and cross-border: Lets international visitors pay by QR with settlement in VND.
• Payment links: Collects payments remotely, including for travel agencies and bookings.
• SmartPOS and SoftPOS: Turns devices into in-store payment terminals.
• Collection and disbursement: Automates incoming and outgoing payments for businesses.
• Tokenization and BNPL: Stores cards securely and offers pay-later options.

A hotel or resort can accept QR payments and payment links from overseas guests before and during stays. An F&B chain can deploy SmartPOS and QR across outlets with central reconciliation. A foreign digital platform can collect from and pay out to Vietnamese users through collection and disbursement services.

Merchants accept domestic banks, e-wallets, international cards and cross-border QR through one integration. The system processes more than 3,000 transactions per second with a 99.9% uptime commitment and is PCI DSS Level 1 certified. Hotels and tourism businesses can take payments from international guests, while chains and marketplaces manage multi-channel transactions centrally.

Vietnam is linking its national QR system with China, South Korea, Thailand and other neighbours, which lets merchants accept visitors' home payment apps. International arrivals and digital commerce growth push hotels, F&B and retail chains to adopt multi-channel payment platforms.

Headquartered in Hanoi with a branch in Ho Chi Minh City. Payment intermediary licence 74/GP-NHNN from the State Bank of Vietnam (2020) and PCI DSS Level 1 certification. More than 600 active merchants, over 6 million Appota Wallet users and 50+ partner banks.