{"id":3644,"date":"2026-03-11T18:29:33","date_gmt":"2026-03-11T11:29:33","guid":{"rendered":"https:\/\/sepay.vn\/blog\/?p=3644"},"modified":"2026-03-11T18:40:20","modified_gmt":"2026-03-11T11:40:20","slug":"cong-thanh-toan-la-gi","status":"publish","type":"post","link":"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/","title":{"rendered":"C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? So s\u00e1nh c\u1ed5ng thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam"},"content":{"rendered":"<p>C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? N\u00f3i ng\u1eafn g\u1ecdn, c\u1ed5ng thanh to\u00e1n (Payment Gateway) l\u00e0 d\u1ecbch v\u1ee5 trung gian gi\u00fap website, \u1ee9ng d\u1ee5ng ho\u1eb7c c\u1eeda h\u00e0ng nh\u1eadn thanh to\u00e1n t\u1eeb kh\u00e1ch h\u00e0ng qua chuy\u1ec3n kho\u1ea3n ng\u00e2n h\u00e0ng, qu\u00e9t m\u00e3 QR, th\u1ebb Visa\/Mastercard ho\u1eb7c v\u00ed \u0111i\u1ec7n t\u1eed. Khi kh\u00e1ch thanh to\u00e1n, c\u1ed5ng thanh to\u00e1n t\u1ef1 \u0111\u1ed9ng x\u00e1c nh\u1eadn giao d\u1ecbch v\u00e0 th\u00f4ng b\u00e1o cho ng\u01b0\u1eddi b\u00e1n, thay v\u00ec ph\u1ea3i ki\u1ec3m tra th\u1ee7 c\u00f4ng t\u1eebng kho\u1ea3n ti\u1ec1n v\u00e0o.<\/p>\n<p>Hi\u1ec7n t\u1ea1i \u1edf Vi\u1ec7t Nam c\u00f3 h\u01a1n 50 c\u1ed5ng thanh to\u00e1n \u0111ang ho\u1ea1t \u0111\u1ed9ng. B\u00e0i vi\u1ebft n\u00e0y s\u1ebd gi\u1ea3i th\u00edch c\u1ed5ng thanh to\u00e1n ho\u1ea1t \u0111\u1ed9ng ra sao, ph\u00e2n lo\u1ea1i 2 m\u00f4 h\u00ecnh ph\u1ed5 bi\u1ebfn, v\u00e0 so s\u00e1nh c\u00e1c c\u1ed5ng thanh to\u00e1n n\u1ed5i b\u1eadt gi\u00fap b\u1ea1n ch\u1ecdn \u0111\u00fang cho doanh nghi\u1ec7p m\u00ecnh.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/cong-thanh-toan-la-gi-1.jpg\" alt=\"c\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec\" width=\"1376\" height=\"768\" class=\"alignnone size-full wp-image-3646\" srcset=\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/cong-thanh-toan-la-gi-1.jpg 1376w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/cong-thanh-toan-la-gi-1-300x167.jpg 300w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/cong-thanh-toan-la-gi-1-1024x572.jpg 1024w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/cong-thanh-toan-la-gi-1-768x429.jpg 768w\" sizes=\"auto, (max-width: 1376px) 100vw, 1376px\" \/><\/p>\n<p><em>Minh h\u1ecda quy tr\u00ecnh c\u1ed5ng thanh to\u00e1n &#8211; kh\u00e1ch qu\u00e9t QR, ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n ng\u01b0\u1eddi b\u00e1n<\/em><\/p>\n<p><!-- Alt text: c\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec --><\/p>\n<h2>C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec, ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n<p>Quy tr\u00ecnh x\u1eed l\u00fd c\u1ee7a m\u1ed9t c\u1ed5ng thanh to\u00e1n g\u1ed3m 4 b\u01b0\u1edbc:<\/p>\n<p><strong>B\u01b0\u1edbc 1:<\/strong> Kh\u00e1ch h\u00e0ng ch\u1ecdn thanh to\u00e1n tr\u00ean website ho\u1eb7c \u1ee9ng d\u1ee5ng c\u1ee7a b\u1ea1n. H\u1ec7 th\u1ed1ng hi\u1ec3n th\u1ecb trang thanh to\u00e1n v\u1edbi c\u00e1c ph\u01b0\u01a1ng th\u1ee9c: qu\u00e9t QR, chuy\u1ec3n kho\u1ea3n, th\u1ebb qu\u1ed1c t\u1ebf.<\/p>\n<p><strong>B\u01b0\u1edbc 2:<\/strong> Kh\u00e1ch th\u1ef1c hi\u1ec7n thanh to\u00e1n. N\u1ebfu l\u00e0 QR th\u00ec qu\u00e9t b\u1eb1ng app ng\u00e2n h\u00e0ng, n\u1ebfu l\u00e0 th\u1ebb th\u00ec nh\u1eadp s\u1ed1 th\u1ebb, n\u1ebfu l\u00e0 chuy\u1ec3n kho\u1ea3n th\u00ec chuy\u1ec3n theo n\u1ed9i dung quy \u0111\u1ecbnh.<\/p>\n<p><strong>B\u01b0\u1edbc 3:<\/strong> C\u1ed5ng thanh to\u00e1n nh\u1eadn th\u00f4ng tin giao d\u1ecbch t\u1eeb ng\u00e2n h\u00e0ng ho\u1eb7c t\u1ed5 ch\u1ee9c thanh to\u00e1n, x\u00e1c minh giao d\u1ecbch kh\u1edbp v\u1edbi \u0111\u01a1n h\u00e0ng.<\/p>\n<p><strong>B\u01b0\u1edbc 4:<\/strong> C\u1ed5ng thanh to\u00e1n g\u1eedi th\u00f4ng b\u00e1o (webhook) v\u1ec1 h\u1ec7 th\u1ed1ng c\u1ee7a b\u1ea1n, x\u00e1c nh\u1eadn \u0111\u01a1n h\u00e0ng \u0111\u00e3 thanh to\u00e1n th\u00e0nh c\u00f4ng. To\u00e0n b\u1ed9 quy tr\u00ecnh n\u00e0y di\u1ec5n ra t\u1ef1 \u0111\u1ed9ng trong v\u00e0i gi\u00e2y.<\/p>\n<p>Tr\u01b0\u1edbc khi c\u00f3 c\u1ed5ng thanh to\u00e1n, k\u1ebf to\u00e1n ph\u1ea3i ng\u1ed3i ki\u1ec3m tra internet banking t\u1eebng giao d\u1ecbch, r\u1ed3i t\u1ef1 tay x\u00e1c nh\u1eadn cho kh\u00e1ch. V\u1edbi v\u00e0i ch\u1ee5c \u0111\u01a1n\/ng\u00e0y th\u00ec c\u00f2n l\u00e0m \u0111\u01b0\u1ee3c, nh\u01b0ng khi l\u00ean h\u00e0ng tr\u0103m, h\u00e0ng ngh\u00ecn \u0111\u01a1n th\u00ec kh\u00f4ng th\u1ec3 ki\u1ec3m so\u00e1t b\u1eb1ng tay.<\/p>\n<h2>2 m\u00f4 h\u00ecnh c\u1ed5ng thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam<\/h2>\n<p>\u1ede Vi\u1ec7t Nam hi\u1ec7n c\u00f3 2 m\u00f4 h\u00ecnh c\u1ed5ng thanh to\u00e1n ch\u00ednh, v\u00e0 s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa 2 m\u00f4 h\u00ecnh n\u00e0y \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn ph\u00ed, t\u1ed1c \u0111\u1ed9 nh\u1eadn ti\u1ec1n v\u00e0 th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd.<\/p>\n<h3>M\u00f4 h\u00ecnh trung gian thanh to\u00e1n (truy\u1ec1n th\u1ed1ng)<\/h3>\n<p>\u0110\u00e2y l\u00e0 m\u00f4 h\u00ecnh xu\u1ea5t hi\u1ec7n t\u1eeb s\u1edbm t\u1ea1i Vi\u1ec7t Nam, kho\u1ea3ng t\u1eeb n\u0103m 2008. Khi kh\u00e1ch thanh to\u00e1n, ti\u1ec1n \u0111i qua m\u1ed9t trung gian th\u1ee9 ba (c\u1ed5ng thanh to\u00e1n, m\u1ea1ng th\u1ebb) r\u1ed3i m\u1edbi chuy\u1ec3n v\u1ec1 t\u00e0i kho\u1ea3n ng\u01b0\u1eddi b\u00e1n.<\/p>\n<p>C\u00e1c c\u1ed5ng thanh to\u00e1n theo m\u00f4 h\u00ecnh n\u00e0y: VNPay, OnePay, B\u1ea3o Kim, Ng\u00e2n L\u01b0\u1ee3ng, MoMo Business, ZaloPay, 9Pay.<\/p>\n<p>\u0110\u1eb7c \u0111i\u1ec3m ch\u00ednh:<\/p>\n<ul>\n<li>H\u1ed7 tr\u1ee3 nhi\u1ec1u ph\u01b0\u01a1ng th\u1ee9c: th\u1ebb n\u1ed9i \u0111\u1ecba, th\u1ebb qu\u1ed1c t\u1ebf, v\u00ed \u0111i\u1ec7n t\u1eed, QR, chuy\u1ec3n kho\u1ea3n<\/li>\n<li>C\u00f3 th\u1ec3 thanh to\u00e1n qu\u1ed1c t\u1ebf (Visa, Mastercard, PayPal)<\/li>\n<li>Ph\u00ed t\u00ednh theo % gi\u00e1 tr\u1ecb giao d\u1ecbch, th\u01b0\u1eddng t\u1eeb 1% \u0111\u1ebfn 3%<\/li>\n<li>Ti\u1ec1n b\u1ecb gi\u1eef T+1 \u0111\u1ebfn T+7 (ngh\u0129a l\u00e0 sau 1 \u0111\u1ebfn 7 ng\u00e0y l\u00e0m vi\u1ec7c) tr\u01b0\u1edbc khi v\u1ec1 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng ng\u01b0\u1eddi b\u00e1n<\/li>\n<li>Y\u00eau c\u1ea7u h\u1ed3 s\u01a1 doanh nghi\u1ec7p, gi\u1ea5y ph\u00e9p kinh doanh<\/li>\n<\/ul>\n<h3>M\u00f4 h\u00ecnh thanh to\u00e1n tr\u1ef1c ti\u1ebfp (A2A Payment)<\/h3>\n<p>M\u00f4 h\u00ecnh n\u00e0y m\u1edbi h\u01a1n, xu\u1ea5t hi\u1ec7n khi c\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam b\u1eaft \u0111\u1ea7u m\u1edf <a href=\"https:\/\/sepay.vn\/blog\/open-banking-la-gi\/\">Open Banking<\/a> API cho b\u00ean th\u1ee9 ba. Khi kh\u00e1ch thanh to\u00e1n, ti\u1ec1n chuy\u1ec3n th\u1eb3ng t\u1eeb t\u00e0i kho\u1ea3n kh\u00e1ch sang t\u00e0i kho\u1ea3n ng\u01b0\u1eddi b\u00e1n, kh\u00f4ng qua trung gian n\u00e0o.<\/p>\n<p>C\u00e1c c\u1ed5ng thanh to\u00e1n theo m\u00f4 h\u00ecnh n\u00e0y: SePay.<\/p>\n<p>\u0110\u1eb7c \u0111i\u1ec3m ch\u00ednh:<\/p>\n<ul>\n<li>Ti\u1ec1n v\u1ec1 th\u1eb3ng t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng ng\u01b0\u1eddi b\u00e1n, kh\u00f4ng b\u1ecb gi\u1eef<\/li>\n<li>Ph\u00ed c\u1ed1 \u0111\u1ecbnh theo giao d\u1ecbch (kh\u00f4ng t\u00ednh %), ph\u00f9 h\u1ee3p \u0111\u01a1n h\u00e0ng gi\u00e1 tr\u1ecb l\u1edbn<\/li>\n<li>\u0110\u0103ng k\u00fd \u0111\u01a1n gi\u1ea3n, c\u00e1 nh\u00e2n c\u0169ng d\u00f9ng \u0111\u01b0\u1ee3c, kh\u00f4ng b\u1eaft bu\u1ed9c gi\u1ea5y ph\u00e9p kinh doanh<\/li>\n<li>X\u00e1c nh\u1eadn giao d\u1ecbch real-time qua Open Banking API<\/li>\n<li>H\u1ea1n ch\u1ebf: ch\u1ee7 y\u1ebfu h\u1ed7 tr\u1ee3 thanh to\u00e1n n\u1ed9i \u0111\u1ecba, ch\u01b0a h\u1ed7 tr\u1ee3 th\u1ebb qu\u1ed1c t\u1ebf qua m\u00f4 h\u00ecnh n\u00e0y<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-mo-hinh-cong-thanh-toan.jpg\" alt=\"so s\u00e1nh m\u00f4 h\u00ecnh c\u1ed5ng thanh to\u00e1n\" width=\"1376\" height=\"768\" class=\"alignnone size-full wp-image-3647\" srcset=\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-mo-hinh-cong-thanh-toan.jpg 1376w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-mo-hinh-cong-thanh-toan-300x167.jpg 300w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-mo-hinh-cong-thanh-toan-1024x572.jpg 1024w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-mo-hinh-cong-thanh-toan-768x429.jpg 768w\" sizes=\"auto, (max-width: 1376px) 100vw, 1376px\" \/><\/p>\n<p><em>So s\u00e1nh 2 m\u00f4 h\u00ecnh c\u1ed5ng thanh to\u00e1n<\/em><\/p>\n<h2>So s\u00e1nh 2 m\u00f4 h\u00ecnh c\u1ed5ng thanh to\u00e1n<\/h2>\n<table border=\"1\" cellpadding=\"8\" cellspacing=\"0\" style=\"border-collapse: collapse; width: 100%; border-color: #ddd;\">\n<thead>\n<tr style=\"background-color: #2f5496; color: #fff;\">\n<th style=\"padding: 10px; text-align: left;\">Ti\u00eau ch\u00ed<\/th>\n<th style=\"padding: 10px; text-align: left;\">Trung gian thanh to\u00e1n<\/th>\n<th style=\"padding: 10px; text-align: left;\">Thanh to\u00e1n tr\u1ef1c ti\u1ebfp (A2A)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px;\">Ph\u00ed giao d\u1ecbch<\/td>\n<td style=\"padding: 10px;\">1% \u0111\u1ebfn 3% gi\u00e1 tr\u1ecb giao d\u1ecbch<\/td>\n<td style=\"padding: 10px;\">C\u1ed1 \u0111\u1ecbnh 200\u0111 \u0111\u1ebfn 500\u0111\/giao d\u1ecbch<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9;\">\n<td style=\"padding: 10px;\">T\u1ed1c \u0111\u1ed9 nh\u1eadn ti\u1ec1n<\/td>\n<td style=\"padding: 10px;\">T+1 \u0111\u1ebfn T+7<\/td>\n<td style=\"padding: 10px;\">Ngay l\u1eadp t\u1ee9c<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px;\">Ti\u1ec1n \u0111i qua<\/td>\n<td style=\"padding: 10px;\">Trung gian gi\u1eef r\u1ed3i chuy\u1ec3n l\u1ea1i<\/td>\n<td style=\"padding: 10px;\">Th\u1eb3ng v\u00e0o t\u00e0i kho\u1ea3n ng\u01b0\u1eddi b\u00e1n<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9;\">\n<td style=\"padding: 10px;\">\u0110\u1ed1i t\u01b0\u1ee3ng<\/td>\n<td style=\"padding: 10px;\">Doanh nghi\u1ec7p c\u00f3 gi\u1ea5y ph\u00e9p<\/td>\n<td style=\"padding: 10px;\">C\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px;\">Th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd<\/td>\n<td style=\"padding: 10px;\">H\u1ed3 s\u01a1 3 \u0111\u1ebfn 7 ng\u00e0y<\/td>\n<td style=\"padding: 10px;\">\u0110\u0103ng k\u00fd online, d\u00f9ng ngay<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9;\">\n<td style=\"padding: 10px;\">Thanh to\u00e1n qu\u1ed1c t\u1ebf<\/td>\n<td style=\"padding: 10px;\">C\u00f3 (Visa, Mastercard)<\/td>\n<td style=\"padding: 10px;\">Ch\u01b0a h\u1ed7 tr\u1ee3 (n\u1ed9i \u0111\u1ecba)<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px;\">Ph\u00f9 h\u1ee3p v\u1edbi<\/td>\n<td style=\"padding: 10px;\">TM\u0110T l\u1edbn, c\u1ea7n thanh to\u00e1n qu\u1ed1c t\u1ebf<\/td>\n<td style=\"padding: 10px;\">Shop, SaaS, startup, freelancer<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>V\u1edbi \u0111\u01a1n h\u00e0ng 1 tri\u1ec7u \u0111\u1ed3ng, ph\u00ed qua c\u1ed5ng trung gian (1.5%) l\u00e0 15,000\u0111. C\u00f9ng giao d\u1ecbch \u0111\u00f3 qua m\u00f4 h\u00ecnh A2A ch\u1ec9 t\u1ed1n 200\u0111 \u0111\u1ebfn 500\u0111. Kho\u1ea3ng c\u00e1ch n\u00e0y c\u00e0ng l\u1edbn khi gi\u00e1 tr\u1ecb \u0111\u01a1n h\u00e0ng t\u0103ng.<\/p>\n<h2>So s\u00e1nh c\u00e1c c\u1ed5ng thanh to\u00e1n ph\u1ed5 bi\u1ebfn t\u1ea1i Vi\u1ec7t Nam<\/h2>\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 so s\u00e1nh nhanh c\u00e1c c\u1ed5ng thanh to\u00e1n \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng nhi\u1ec1u nh\u1ea5t, d\u1ef1a tr\u00ean ph\u00ed, ph\u01b0\u01a1ng th\u1ee9c h\u1ed7 tr\u1ee3 v\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng ph\u00f9 h\u1ee3p.<\/p>\n<h3>SePay<\/h3>\n<p>SePay l\u00e0 c\u1ed5ng thanh to\u00e1n theo m\u00f4 h\u00ecnh A2A Payment, k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp v\u1edbi h\u01a1n 10 ng\u00e2n h\u00e0ng qua Open Banking API. Ti\u1ec1n v\u1ec1 th\u1eb3ng t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, kh\u00f4ng qua trung gian. H\u1ed7 tr\u1ee3 3 ph\u01b0\u01a1ng th\u1ee9c: <a href=\"https:\/\/sepay.vn\/blog\/vietqr-la-gi-ung-dung-cua-vietqr-trong-thanh-toan\/\">VietQR<\/a> (chuy\u1ec3n kho\u1ea3n ng\u00e2n h\u00e0ng), NAPAS QR, v\u00e0 th\u1ebb qu\u1ed1c t\u1ebf Visa\/Mastercard\/JCB.<\/p>\n<p>Ph\u00ed VietQR: c\u1ed1 \u0111\u1ecbnh 200\u0111 \u0111\u1ebfn 500\u0111\/giao d\u1ecbch t\u00f9y g\u00f3i, kh\u00f4ng t\u00ednh %. C\u00f3 g\u00f3i mi\u1ec5n ph\u00ed 50 giao d\u1ecbch\/th\u00e1ng. NAPAS: 0.3%\/giao d\u1ecbch. Th\u1ebb qu\u1ed1c t\u1ebf: 2,200\u0111 + 1.6% \u0111\u1ebfn 2.2%.<\/p>\n<p>T\u00edch h\u1ee3p: SDK PHP, NodeJS, plugin WooCommerce, Haravan, Shopify, Sapo. C\u00f3 sandbox test mi\u1ec5n ph\u00ed. \u0110\u0103ng k\u00fd t\u1ea1i <a href=\"https:\/\/my.sepay.vn\/register\">my.sepay.vn\/register<\/a>, k\u1ebft n\u1ed1i ng\u00e2n h\u00e0ng v\u00e0 d\u00f9ng ngay trong ng\u00e0y.<\/p>\n<p>Ph\u00f9 h\u1ee3p: startup, shop online, SaaS, freelancer, doanh nghi\u1ec7p mu\u1ed1n ph\u00ed th\u1ea5p v\u00e0 nh\u1eadn ti\u1ec1n ngay.<\/p>\n<h3>VNPay<\/h3>\n<p>VNPay l\u00e0 c\u1ed5ng thanh to\u00e1n l\u1edbn nh\u1ea5t Vi\u1ec7t Nam v\u1ec1 s\u1ed1 \u0111i\u1ec3m ch\u1ea5p nh\u1eadn. H\u1ee3p t\u00e1c v\u1edbi h\u01a1n 40 ng\u00e2n h\u00e0ng, h\u1ed7 tr\u1ee3 QR Code, th\u1ebb ATM, th\u1ebb qu\u1ed1c t\u1ebf. Ph\u1ee7 s\u00f3ng c\u1ea3 online l\u1eabn offline t\u1ea1i h\u00e0ng ngh\u00ecn c\u1eeda h\u00e0ng.<\/p>\n<p>Ph\u00ed: t\u00f9y h\u1ee3p \u0111\u1ed3ng, th\u01b0\u1eddng 1% \u0111\u1ebfn 1.8% gi\u00e1 tr\u1ecb giao d\u1ecbch. Ph\u00f9 h\u1ee3p: doanh nghi\u1ec7p l\u1edbn, chu\u1ed7i b\u00e1n l\u1ebb, c\u1ea7n m\u1ea1ng l\u01b0\u1edbi POS offline.<\/p>\n<h3>MoMo Business<\/h3>\n<p>MoMo c\u00f3 h\u01a1n 30 tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng v\u00ed \u0111i\u1ec7n t\u1eed. C\u1ed5ng thanh to\u00e1n MoMo cho ph\u00e9p website nh\u1eadn thanh to\u00e1n t\u1eeb v\u00ed MoMo v\u00e0 c\u00e1c ngu\u1ed3n kh\u00e1c. Nhi\u1ec1u ch\u01b0\u01a1ng tr\u00ecnh khuy\u1ebfn m\u00e3i thu h\u00fat ng\u01b0\u1eddi mua.<\/p>\n<p>Ph\u00ed: 0.5% \u0111\u1ebfn 2% t\u00f9y h\u00ecnh th\u1ee9c. Ph\u00f9 h\u1ee3p: b\u00e1n l\u1ebb online, F&amp;B, doanh nghi\u1ec7p mu\u1ed1n t\u1eadn d\u1ee5ng t\u1ec7p kh\u00e1ch MoMo.<\/p>\n<h3>ZaloPay<\/h3>\n<p>ZaloPay t\u1eadn d\u1ee5ng h\u1ec7 sinh th\u00e1i Zalo (h\u00e0ng ch\u1ee5c tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng). H\u1ed7 tr\u1ee3 thanh to\u00e1n web-to-app, QR, chuy\u1ec3n kho\u1ea3n. T\u00edch h\u1ee3p tr\u1ef1c ti\u1ebfp trong \u1ee9ng d\u1ee5ng Zalo.<\/p>\n<p>Ph\u00ed: t\u00f9y h\u1ee3p \u0111\u1ed3ng, kho\u1ea3ng 1% \u0111\u1ebfn 1.5%. Ph\u00f9 h\u1ee3p: doanh nghi\u1ec7p mu\u1ed1n ti\u1ebfp c\u1eadn ng\u01b0\u1eddi d\u00f9ng Zalo, b\u00e1n h\u00e0ng qua m\u1ea1ng x\u00e3 h\u1ed9i.<\/p>\n<h3>9Pay<\/h3>\n<p>9Pay l\u00e0 trung gian thanh to\u00e1n h\u1ee3p t\u00e1c v\u1edbi h\u01a1n 40 ng\u00e2n h\u00e0ng. H\u1ed7 tr\u1ee3 \u0111a d\u1ea1ng ph\u01b0\u01a1ng th\u1ee9c: th\u1ebb n\u1ed9i \u0111\u1ecba, qu\u1ed1c t\u1ebf, v\u00ed \u0111i\u1ec7n t\u1eed, QR, chuy\u1ec3n kho\u1ea3n. C\u00f3 t\u00ednh n\u0103ng t\u1ea1o link thanh to\u00e1n kh\u00f4ng c\u1ea7n t\u00edch h\u1ee3p API.<\/p>\n<p>Ph\u00ed: t\u1eeb 1% \u0111\u1ebfn 2.5% t\u00f9y ph\u01b0\u01a1ng th\u1ee9c. Ph\u00f9 h\u1ee3p: doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf, c\u1ea7n thanh to\u00e1n \u0111a k\u00eanh.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-cong-thanh-toan-viet-nam.jpg\" alt=\"so s\u00e1nh c\u1ed5ng thanh to\u00e1n Vi\u1ec7t Nam\" width=\"1376\" height=\"768\" class=\"alignnone size-full wp-image-3648\" srcset=\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-cong-thanh-toan-viet-nam.jpg 1376w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-cong-thanh-toan-viet-nam-300x167.jpg 300w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-cong-thanh-toan-viet-nam-1024x572.jpg 1024w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-cong-thanh-toan-viet-nam-768x429.jpg 768w\" sizes=\"auto, (max-width: 1376px) 100vw, 1376px\" \/><\/p>\n<p><em>B\u1ea3ng so s\u00e1nh c\u1ed5ng thanh to\u00e1n Vi\u1ec7t Nam<\/em><\/p>\n<h2>B\u1ea3ng t\u1ed5ng h\u1ee3p so s\u00e1nh nhanh<\/h2>\n<table border=\"1\" cellpadding=\"8\" cellspacing=\"0\" style=\"border-collapse: collapse; width: 100%; border-color: #ddd;\">\n<thead>\n<tr style=\"background-color: #2f5496; color: #fff;\">\n<th style=\"padding: 10px; text-align: left;\">C\u1ed5ng thanh to\u00e1n<\/th>\n<th style=\"padding: 10px; text-align: left;\">M\u00f4 h\u00ecnh<\/th>\n<th style=\"padding: 10px; text-align: left;\">Ph\u00ed giao d\u1ecbch<\/th>\n<th style=\"padding: 10px; text-align: left;\">Nh\u1eadn ti\u1ec1n<\/th>\n<th style=\"padding: 10px; text-align: left;\">Th\u1ebb qu\u1ed1c t\u1ebf<\/th>\n<th style=\"padding: 10px; text-align: left;\">C\u00e1 nh\u00e2n d\u00f9ng \u0111\u01b0\u1ee3c<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px;\">SePay<\/td>\n<td style=\"padding: 10px;\">A2A<\/td>\n<td style=\"padding: 10px;\">200\u0111 \u0111\u1ebfn 500\u0111\/GD<\/td>\n<td style=\"padding: 10px;\">Ngay l\u1eadp t\u1ee9c<\/td>\n<td style=\"padding: 10px;\">C\u00f3 (NAPAS, th\u1ebb QT)<\/td>\n<td style=\"padding: 10px;\">C\u00f3<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9;\">\n<td style=\"padding: 10px;\">VNPay<\/td>\n<td style=\"padding: 10px;\">Trung gian<\/td>\n<td style=\"padding: 10px;\">1% \u0111\u1ebfn 1.8%<\/td>\n<td style=\"padding: 10px;\">T+1 \u0111\u1ebfn T+3<\/td>\n<td style=\"padding: 10px;\">C\u00f3<\/td>\n<td style=\"padding: 10px;\">Kh\u00f4ng<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px;\">MoMo Business<\/td>\n<td style=\"padding: 10px;\">Trung gian<\/td>\n<td style=\"padding: 10px;\">0.5% \u0111\u1ebfn 2%<\/td>\n<td style=\"padding: 10px;\">T+1 \u0111\u1ebfn T+7<\/td>\n<td style=\"padding: 10px;\">C\u00f3<\/td>\n<td style=\"padding: 10px;\">Kh\u00f4ng<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9;\">\n<td style=\"padding: 10px;\">ZaloPay<\/td>\n<td style=\"padding: 10px;\">Trung gian<\/td>\n<td style=\"padding: 10px;\">1% \u0111\u1ebfn 1.5%<\/td>\n<td style=\"padding: 10px;\">T+1 \u0111\u1ebfn T+3<\/td>\n<td style=\"padding: 10px;\">C\u00f3<\/td>\n<td style=\"padding: 10px;\">Kh\u00f4ng<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px;\">9Pay<\/td>\n<td style=\"padding: 10px;\">Trung gian<\/td>\n<td style=\"padding: 10px;\">1% \u0111\u1ebfn 2.5%<\/td>\n<td style=\"padding: 10px;\">T+1 \u0111\u1ebfn T+5<\/td>\n<td style=\"padding: 10px;\">C\u00f3<\/td>\n<td style=\"padding: 10px;\">Kh\u00f4ng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>N\u00ean ch\u1ecdn c\u1ed5ng thanh to\u00e1n n\u00e0o?<\/h2>\n<p>Kh\u00f4ng c\u00f3 c\u1ed5ng thanh to\u00e1n n\u00e0o t\u1ed1t nh\u1ea5t cho t\u1ea5t c\u1ea3. T\u00f9y v\u00e0o t\u00ecnh hu\u1ed1ng c\u1ee5 th\u1ec3 m\u00e0 l\u1ef1a ch\u1ecdn kh\u00e1c nhau:<\/p>\n<p><strong>N\u1ebfu b\u1ea1n c\u1ea7n thanh to\u00e1n qu\u1ed1c t\u1ebf<\/strong> (kh\u00e1ch n\u01b0\u1edbc ngo\u00e0i tr\u1ea3 b\u1eb1ng Visa, Mastercard): ch\u1ecdn VNPay, OnePay, ho\u1eb7c <a href=\"https:\/\/sepay.vn\/cong-thanh-toan-truc-tuyen.html\">C\u1ed5ng thanh to\u00e1n<\/a> c\u1ee7a SePay (c\u00f3 h\u1ed7 tr\u1ee3 th\u1ebb qu\u1ed1c t\u1ebf).<\/p>\n<p><strong>N\u1ebfu b\u1ea1n l\u00e0 c\u00e1 nh\u00e2n, shop nh\u1ecf, freelancer<\/strong>: m\u00f4 h\u00ecnh A2A ph\u00f9 h\u1ee3p h\u01a1n v\u00ec kh\u00f4ng c\u1ea7n h\u1ed3 s\u01a1 doanh nghi\u1ec7p, \u0111\u0103ng k\u00fd nhanh, ph\u00ed th\u1ea5p. SePay c\u00f3 g\u00f3i mi\u1ec5n ph\u00ed 50 giao d\u1ecbch\/th\u00e1ng \u0111\u1ec3 b\u1eaft \u0111\u1ea7u.<\/p>\n<p><strong>N\u1ebfu b\u1ea1n b\u00e1n h\u00e0ng qua m\u1ea1ng x\u00e3 h\u1ed9i<\/strong>: ZaloPay ho\u1eb7c MoMo c\u00f3 t\u1ec7p kh\u00e1ch h\u00e0ng l\u1edbn s\u1eb5n.<\/p>\n<p><strong>N\u1ebfu b\u1ea1n l\u00e0 doanh nghi\u1ec7p TM\u0110T l\u1edbn, c\u1ea7n POS offline<\/strong>: VNPay c\u00f3 m\u1ea1ng l\u01b0\u1edbi ph\u1ee7 s\u00f3ng r\u1ed9ng nh\u1ea5t.<\/p>\n<p><strong>N\u1ebfu b\u1ea1n l\u00e0 SaaS, n\u1ec1n t\u1ea3ng c\u1ea7n t\u00edch h\u1ee3p API<\/strong>: SePay c\u00f3 API \u0111\u01a1n gi\u1ea3n, docs chi ti\u1ebft, sandbox test mi\u1ec5n ph\u00ed, webhook real-time v\u00e0 plugin cho WooCommerce, Shopify, Haravan, Sapo.<\/p>\n<p>M\u1ed9t l\u01b0u \u00fd quan tr\u1ecdng: b\u1ea1n ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 d\u00f9ng nhi\u1ec1u c\u1ed5ng thanh to\u00e1n c\u00f9ng l\u00fac. Nhi\u1ec1u website hi\u1ec3n th\u1ecb \u0111\u1ed3ng th\u1eddi VietQR (qua SePay) cho kh\u00e1ch n\u1ed9i \u0111\u1ecba v\u00e0 th\u1ebb qu\u1ed1c t\u1ebf (qua VNPay ho\u1eb7c OnePay) cho kh\u00e1ch n\u01b0\u1edbc ngo\u00e0i. B\u00e2y gi\u1edd b\u1ea1n \u0111\u00e3 hi\u1ec3u c\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec v\u00e0 c\u00f3 nh\u1eefng l\u1ef1a ch\u1ecdn n\u00e0o, b\u01b0\u1edbc ti\u1ebfp theo l\u00e0 th\u1eed t\u00edch h\u1ee3p v\u00e0o website c\u1ee7a m\u00ecnh.<\/p>\n<h2>Xu h\u01b0\u1edbng thanh to\u00e1n tr\u1ef1c tuy\u1ebfn t\u1ea1i Vi\u1ec7t Nam<\/h2>\n<p>Th\u1ecb tr\u01b0\u1eddng c\u1ed5ng thanh to\u00e1n Vi\u1ec7t Nam \u0111ang thay \u0111\u1ed5i kh\u00e1 nhanh. V\u00e0i xu h\u01b0\u1edbng \u0111\u00e1ng ch\u00fa \u00fd:<\/p>\n<p>Thanh to\u00e1n QR \u0111ang chi\u1ebfm \u01b0u th\u1ebf. Theo NAPAS, s\u1ed1 l\u01b0\u1ee3ng giao d\u1ecbch <a href=\"https:\/\/vi.wikipedia.org\/wiki\/M%C3%A3_QR\">QR Code<\/a> t\u0103ng tr\u01b0\u1edfng h\u01a1n 100% m\u1ed7i n\u0103m. VietQR tr\u1edf th\u00e0nh chu\u1ea9n QR qu\u1ed1c gia, \u0111\u01b0\u1ee3c h\u1ea7u h\u1ebft app ng\u00e2n h\u00e0ng h\u1ed7 tr\u1ee3. V\u1edbi h\u01a1n 100 tri\u1ec7u t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam, g\u1ea7n nh\u01b0 ai c\u0169ng c\u00f3 th\u1ec3 qu\u00e9t QR \u0111\u1ec3 thanh to\u00e1n.<\/p>\n<p>M\u00f4 h\u00ecnh A2A (Open Banking) \u0111ang t\u0103ng nhanh. Th\u00f4ng t\u01b0 64\/2024 c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc v\u1ec1 Open Banking t\u1ea1o h\u00e0nh lang ph\u00e1p l\u00fd cho m\u00f4 h\u00ecnh thanh to\u00e1n tr\u1ef1c ti\u1ebfp. C\u00e1c ng\u00e2n h\u00e0ng ng\u00e0y c\u00e0ng m\u1edf nhi\u1ec1u API h\u01a1n, cho ph\u00e9p b\u00ean th\u1ee9 ba nh\u01b0 SePay k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp.<\/p>\n<p>Ph\u00ed c\u1ed5ng thanh to\u00e1n \u0111ang gi\u1ea3m d\u1ea7n. S\u1ef1 c\u1ea1nh tranh gi\u1eefa c\u00e1c c\u1ed5ng thanh to\u00e1n bu\u1ed9c ph\u00ed ph\u1ea3i gi\u1ea3m. M\u00f4 h\u00ecnh A2A v\u1edbi ph\u00ed c\u1ed1 \u0111\u1ecbnh th\u1ea5p \u0111ang g\u00e2y \u00e1p l\u1ef1c l\u00ean m\u00f4 h\u00ecnh trung gian truy\u1ec1n th\u1ed1ng.<\/p>\n<p>N\u1ebfu b\u1ea1n ch\u01b0a bi\u1ebft n\u00ean ch\u1ecdn ph\u01b0\u01a1ng th\u1ee9c n\u00e0o cho ph\u00f9 h\u1ee3p, li\u00ean h\u1ec7 SePay \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n mi\u1ec5n ph\u00ed nh\u00e9:<\/p>\n<ul>\n<li>Hotline: <a href=\"tel:02873059589\">02873.059.589<\/a><\/li>\n<li>Email: <a href=\"mailto:info@sepay.vn\">info@sepay.vn<\/a><\/li>\n<li>Facebook: <a href=\"https:\/\/fb.me\/sepay.vn\">fb.me\/sepay.vn<\/a><\/li>\n<li>Website: <a href=\"https:\/\/sepay.vn\/lien-he.html\">sepay.vn\/lien-he<\/a><\/li>\n<\/ul>\n<p>Ch\u00fac b\u1ea1n ch\u1ecdn \u0111\u01b0\u1ee3c c\u1ed5ng thanh to\u00e1n ph\u00f9 h\u1ee3p.<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-right kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;right&quot;,&quot;id&quot;:&quot;3644&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;5&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;5&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;Rate this post&quot;,&quot;legend&quot;:&quot;5\\\/5 - (5 votes)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? So s\u00e1nh c\u1ed5ng thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam&quot;,&quot;width&quot;:&quot;142.5&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 142.5px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            5\/5 - (5 votes)    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? N\u00f3i ng\u1eafn g\u1ecdn, c\u1ed5ng thanh to\u00e1n (Payment Gateway) l\u00e0 d\u1ecbch v\u1ee5 trung gian gi\u00fap website, \u1ee9ng d\u1ee5ng ho\u1eb7c c\u1eeda h\u00e0ng nh\u1eadn thanh to\u00e1n t\u1eeb kh\u00e1ch h\u00e0ng qua chuy\u1ec3n kho\u1ea3n ng\u00e2n h\u00e0ng, qu\u00e9t m\u00e3 QR, th\u1ebb Visa\/Mastercard ho\u1eb7c v\u00ed \u0111i\u1ec7n t\u1eed. Khi kh\u00e1ch thanh to\u00e1n, c\u1ed5ng thanh to\u00e1n t\u1ef1 \u0111\u1ed9ng x\u00e1c [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3645,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[52],"tags":[],"class_list":["post-3644","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kien-thuc"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? So s\u00e1nh c\u1ed5ng thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam - SePay Blog<\/title>\n<meta name=\"description\" content=\"C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? L\u00e0 d\u1ecbch v\u1ee5 gi\u00fap website nh\u1eadn thanh to\u00e1n t\u1ef1 \u0111\u1ed9ng. So s\u00e1nh c\u00e1c c\u1ed5ng thanh to\u00e1n ph\u1ed5 bi\u1ebfn t\u1ea1i VN: ph\u00ed, t\u1ed1c \u0111\u1ed9, t\u00edch h\u1ee3p.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? So s\u00e1nh c\u1ed5ng thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam - SePay Blog\" \/>\n<meta property=\"og:description\" content=\"C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? L\u00e0 d\u1ecbch v\u1ee5 gi\u00fap website nh\u1eadn thanh to\u00e1n t\u1ef1 \u0111\u1ed9ng. So s\u00e1nh c\u00e1c c\u1ed5ng thanh to\u00e1n ph\u1ed5 bi\u1ebfn t\u1ea1i VN: ph\u00ed, t\u1ed1c \u0111\u1ed9, t\u00edch h\u1ee3p.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/\" \/>\n<meta property=\"og:site_name\" content=\"SePay Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/sepay.vn\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/buitanviet\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-11T11:29:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-11T11:40:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/cong-thanh-toan-la-gi.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1376\" \/>\n\t<meta property=\"og:image:height\" content=\"768\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"B\u00f9i T\u1ea5n Vi\u1ec7t\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"B\u00f9i T\u1ea5n Vi\u1ec7t\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/\"},\"author\":{\"name\":\"B\u00f9i T\u1ea5n Vi\u1ec7t\",\"@id\":\"https:\/\/sepay.vn\/blog\/#\/schema\/person\/9d0e45f351943f81c4b76e1108d09c42\"},\"headline\":\"C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? So s\u00e1nh c\u1ed5ng thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam\",\"datePublished\":\"2026-03-11T11:29:33+00:00\",\"dateModified\":\"2026-03-11T11:40:20+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/\"},\"wordCount\":2609,\"publisher\":{\"@id\":\"https:\/\/sepay.vn\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/cong-thanh-toan-la-gi.jpg\",\"articleSection\":[\"Ki\u1ebfn th\u1ee9c\"],\"inLanguage\":\"vi\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/\",\"url\":\"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/\",\"name\":\"C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? So s\u00e1nh c\u1ed5ng thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam - SePay Blog\",\"isPartOf\":{\"@id\":\"https:\/\/sepay.vn\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/cong-thanh-toan-la-gi.jpg\",\"datePublished\":\"2026-03-11T11:29:33+00:00\",\"dateModified\":\"2026-03-11T11:40:20+00:00\",\"description\":\"C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? L\u00e0 d\u1ecbch v\u1ee5 gi\u00fap website nh\u1eadn thanh to\u00e1n t\u1ef1 \u0111\u1ed9ng. So s\u00e1nh c\u00e1c c\u1ed5ng thanh to\u00e1n ph\u1ed5 bi\u1ebfn t\u1ea1i VN: ph\u00ed, t\u1ed1c \u0111\u1ed9, t\u00edch h\u1ee3p.\",\"breadcrumb\":{\"@id\":\"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/#primaryimage\",\"url\":\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/cong-thanh-toan-la-gi.jpg\",\"contentUrl\":\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/cong-thanh-toan-la-gi.jpg\",\"width\":1376,\"height\":768,\"caption\":\"C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Trang ch\u1ee7\",\"item\":\"https:\/\/sepay.vn\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? So s\u00e1nh c\u1ed5ng thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/sepay.vn\/blog\/#website\",\"url\":\"https:\/\/sepay.vn\/blog\/\",\"name\":\"SePay Blog\",\"description\":\"SePay cung c\u1ea5p c\u00f4ng c\u1ee5 gi\u00fap chia s\u1ebb bi\u1ebfn \u0111\u1ed9ng s\u1ed1 d\u01b0 ng\u00e2n h\u00e0ng, x\u00e1c th\u1ef1c thanh to\u00e1n chuy\u1ec3n kho\u1ea3n, th\u1ed1ng k\u00ea d\u00f2ng ti\u1ec1n ng\u00e2n h\u00e0ng m\u1ed9t c\u00e1ch t\u1ef1 \u0111\u1ed9ng\",\"publisher\":{\"@id\":\"https:\/\/sepay.vn\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/sepay.vn\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"vi\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/sepay.vn\/blog\/#organization\",\"name\":\"SePay Blog\",\"url\":\"https:\/\/sepay.vn\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\/\/sepay.vn\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/04\/sepay-blue-logo-768x248-1.png\",\"contentUrl\":\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/04\/sepay-blue-logo-768x248-1.png\",\"width\":768,\"height\":248,\"caption\":\"SePay Blog\"},\"image\":{\"@id\":\"https:\/\/sepay.vn\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/sepay.vn\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/sepay.vn\/blog\/#\/schema\/person\/9d0e45f351943f81c4b76e1108d09c42\",\"name\":\"B\u00f9i T\u1ea5n Vi\u1ec7t\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\/\/sepay.vn\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/7f75ca508ac9bc9b3c2acd1b70b64e2c504b0add21dd3253d776897f417e08ff?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/7f75ca508ac9bc9b3c2acd1b70b64e2c504b0add21dd3253d776897f417e08ff?s=96&d=mm&r=g\",\"caption\":\"B\u00f9i T\u1ea5n Vi\u1ec7t\"},\"description\":\"Founder &amp; CEO SePay\",\"sameAs\":[\"https:\/\/sepay.vn\",\"https:\/\/www.facebook.com\/buitanviet\"],\"url\":\"https:\/\/sepay.vn\/blog\/author\/tanvietsepay-vn\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? So s\u00e1nh c\u1ed5ng thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam - SePay Blog","description":"C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? L\u00e0 d\u1ecbch v\u1ee5 gi\u00fap website nh\u1eadn thanh to\u00e1n t\u1ef1 \u0111\u1ed9ng. So s\u00e1nh c\u00e1c c\u1ed5ng thanh to\u00e1n ph\u1ed5 bi\u1ebfn t\u1ea1i VN: ph\u00ed, t\u1ed1c \u0111\u1ed9, t\u00edch h\u1ee3p.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/","og_locale":"vi_VN","og_type":"article","og_title":"C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? So s\u00e1nh c\u1ed5ng thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam - SePay Blog","og_description":"C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? L\u00e0 d\u1ecbch v\u1ee5 gi\u00fap website nh\u1eadn thanh to\u00e1n t\u1ef1 \u0111\u1ed9ng. So s\u00e1nh c\u00e1c c\u1ed5ng thanh to\u00e1n ph\u1ed5 bi\u1ebfn t\u1ea1i VN: ph\u00ed, t\u1ed1c \u0111\u1ed9, t\u00edch h\u1ee3p.","og_url":"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/","og_site_name":"SePay Blog","article_publisher":"https:\/\/www.facebook.com\/sepay.vn","article_author":"https:\/\/www.facebook.com\/buitanviet","article_published_time":"2026-03-11T11:29:33+00:00","article_modified_time":"2026-03-11T11:40:20+00:00","og_image":[{"width":1376,"height":768,"url":"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/cong-thanh-toan-la-gi.jpg","type":"image\/jpeg"}],"author":"B\u00f9i T\u1ea5n Vi\u1ec7t","twitter_card":"summary_large_image","twitter_misc":{"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi":"B\u00f9i T\u1ea5n Vi\u1ec7t","\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc":"11 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/#article","isPartOf":{"@id":"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/"},"author":{"name":"B\u00f9i T\u1ea5n Vi\u1ec7t","@id":"https:\/\/sepay.vn\/blog\/#\/schema\/person\/9d0e45f351943f81c4b76e1108d09c42"},"headline":"C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? So s\u00e1nh c\u1ed5ng thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam","datePublished":"2026-03-11T11:29:33+00:00","dateModified":"2026-03-11T11:40:20+00:00","mainEntityOfPage":{"@id":"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/"},"wordCount":2609,"publisher":{"@id":"https:\/\/sepay.vn\/blog\/#organization"},"image":{"@id":"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/#primaryimage"},"thumbnailUrl":"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/cong-thanh-toan-la-gi.jpg","articleSection":["Ki\u1ebfn th\u1ee9c"],"inLanguage":"vi"},{"@type":"WebPage","@id":"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/","url":"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/","name":"C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? So s\u00e1nh c\u1ed5ng thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam - SePay Blog","isPartOf":{"@id":"https:\/\/sepay.vn\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/#primaryimage"},"image":{"@id":"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/#primaryimage"},"thumbnailUrl":"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/cong-thanh-toan-la-gi.jpg","datePublished":"2026-03-11T11:29:33+00:00","dateModified":"2026-03-11T11:40:20+00:00","description":"C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? L\u00e0 d\u1ecbch v\u1ee5 gi\u00fap website nh\u1eadn thanh to\u00e1n t\u1ef1 \u0111\u1ed9ng. So s\u00e1nh c\u00e1c c\u1ed5ng thanh to\u00e1n ph\u1ed5 bi\u1ebfn t\u1ea1i VN: ph\u00ed, t\u1ed1c \u0111\u1ed9, t\u00edch h\u1ee3p.","breadcrumb":{"@id":"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/"]}]},{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/#primaryimage","url":"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/cong-thanh-toan-la-gi.jpg","contentUrl":"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/cong-thanh-toan-la-gi.jpg","width":1376,"height":768,"caption":"C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec"},{"@type":"BreadcrumbList","@id":"https:\/\/sepay.vn\/blog\/cong-thanh-toan-la-gi\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Trang ch\u1ee7","item":"https:\/\/sepay.vn\/blog\/"},{"@type":"ListItem","position":2,"name":"C\u1ed5ng thanh to\u00e1n l\u00e0 g\u00ec? So s\u00e1nh c\u1ed5ng thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam"}]},{"@type":"WebSite","@id":"https:\/\/sepay.vn\/blog\/#website","url":"https:\/\/sepay.vn\/blog\/","name":"SePay Blog","description":"SePay cung c\u1ea5p c\u00f4ng c\u1ee5 gi\u00fap chia s\u1ebb bi\u1ebfn \u0111\u1ed9ng s\u1ed1 d\u01b0 ng\u00e2n h\u00e0ng, x\u00e1c th\u1ef1c thanh to\u00e1n chuy\u1ec3n kho\u1ea3n, th\u1ed1ng k\u00ea d\u00f2ng ti\u1ec1n ng\u00e2n h\u00e0ng m\u1ed9t c\u00e1ch t\u1ef1 \u0111\u1ed9ng","publisher":{"@id":"https:\/\/sepay.vn\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/sepay.vn\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"vi"},{"@type":"Organization","@id":"https:\/\/sepay.vn\/blog\/#organization","name":"SePay Blog","url":"https:\/\/sepay.vn\/blog\/","logo":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/sepay.vn\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/04\/sepay-blue-logo-768x248-1.png","contentUrl":"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/04\/sepay-blue-logo-768x248-1.png","width":768,"height":248,"caption":"SePay Blog"},"image":{"@id":"https:\/\/sepay.vn\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/sepay.vn"]},{"@type":"Person","@id":"https:\/\/sepay.vn\/blog\/#\/schema\/person\/9d0e45f351943f81c4b76e1108d09c42","name":"B\u00f9i T\u1ea5n Vi\u1ec7t","image":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/sepay.vn\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/7f75ca508ac9bc9b3c2acd1b70b64e2c504b0add21dd3253d776897f417e08ff?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/7f75ca508ac9bc9b3c2acd1b70b64e2c504b0add21dd3253d776897f417e08ff?s=96&d=mm&r=g","caption":"B\u00f9i T\u1ea5n Vi\u1ec7t"},"description":"Founder &amp; CEO SePay","sameAs":["https:\/\/sepay.vn","https:\/\/www.facebook.com\/buitanviet"],"url":"https:\/\/sepay.vn\/blog\/author\/tanvietsepay-vn\/"}]}},"_links":{"self":[{"href":"https:\/\/sepay.vn\/blog\/wp-json\/wp\/v2\/posts\/3644","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sepay.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sepay.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sepay.vn\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sepay.vn\/blog\/wp-json\/wp\/v2\/comments?post=3644"}],"version-history":[{"count":4,"href":"https:\/\/sepay.vn\/blog\/wp-json\/wp\/v2\/posts\/3644\/revisions"}],"predecessor-version":[{"id":3652,"href":"https:\/\/sepay.vn\/blog\/wp-json\/wp\/v2\/posts\/3644\/revisions\/3652"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sepay.vn\/blog\/wp-json\/wp\/v2\/media\/3645"}],"wp:attachment":[{"href":"https:\/\/sepay.vn\/blog\/wp-json\/wp\/v2\/media?parent=3644"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sepay.vn\/blog\/wp-json\/wp\/v2\/categories?post=3644"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sepay.vn\/blog\/wp-json\/wp\/v2\/tags?post=3644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}