Tap-to-pay in Vietnam, without the infrastructure project
Vietnam is on the roadmap for beta in Q4 2026, with NAPAS 2.0 already certified. Vietnam requires in-country settlement under State Bank of Vietnam (SBV) rules, so platform operating accounts are held with a local sponsor — Tapped handles that structure on your behalf.
The Vietnam integration covers domestic NAPAS routing, the VNPay network, and the MoMo wallet alongside the global card schemes. As with every Tapped market, a platform integrates once and inherits the local rails and regulatory posture rather than rebuilding them.
NAPAS 2.0 certified. In-country settlement required by SBV; platform operating accounts held with a local sponsor.
Local payment rails we support in Vietnam
Cards alone do not win a market in Asia. Tapped exposes the domestic rails Vietnam merchants actually expect, through the same SDK as card acceptance:
| Rail | What it covers |
|---|---|
| NAPAS | The national switching and clearing network (NAPAS 2.0) — domestic card and account routing. |
| VNPay | Widely used QR and payment-gateway network across Vietnamese retail. |
| MoMo | The leading Vietnamese e-wallet, dominant in urban consumer spend. |
Card schemes certified for Vietnam
Every kernel we ship for Vietnam is production-certified at the scheme layer before the market goes live — Visa VCPS / L3 EMV Contactless, Mastercard M/Chip and PayPass, JCB J/Speedy, and UnionPay UPI QuickPass as applicable. Certified schemes here:
- Visa
- Mastercard
- JCB
- UnionPay
Kernel renewals and updates ship as a platform release — you inherit them without re-certifying.
Regulation & licensing in Vietnam
Tapped operates in Vietnam under State Bank of Vietnam (SBV) supervision, with a published licensing posture of IPS partner. Your merchants onboard as sub-merchants beneath that arrangement, so you do not need to hold your own payment licence to go live.
We are PCI-DSS Level 1 attested annually, SOC 2 Type II, and ISO 27001 certified, with regional data controls applied where the regulator or sponsor bank requires it.
Settlement & payouts
Standard settlement in Vietnam is T+1 · in-country, paid out in Vietnamese đồng (VND). The blended processing rate is 2.65% — full per-market rates are on the pricing page, with nothing to negotiate.
Who builds on Tapped in Vietnam
Tapped is built for vertical SaaS platforms that want to embed payment acceptance into their own product — not for individual merchants. Common deployments in Vietnam:
- Restaurant & F&B platforms — tap at the table or counter on the staff's own phone.
- Salon, wellness & booking platforms — collect payment inside the booking flow.
- Field-services & delivery platforms — accept payment at the customer's door on a rider device.
- Healthcare & clinic platforms — copay and consultation collections.
- Hospitality & PMS platforms — folio checkout at the front desk.