{"id":3654,"date":"2026-03-12T11:24:06","date_gmt":"2026-03-12T04:24:06","guid":{"rendered":"https:\/\/sepay.vn\/blog\/?p=3654"},"modified":"2026-03-12T11:39:31","modified_gmt":"2026-03-12T04:39:31","slug":"thu-ho-la-gi","status":"publish","type":"post","link":"https:\/\/sepay.vn\/blog\/thu-ho-la-gi\/","title":{"rendered":"Thu h\u1ed9 l\u00e0 g\u00ec? C\u00e1c h\u00ecnh th\u1ee9c thu h\u1ed9 ph\u1ed5 bi\u1ebfn"},"content":{"rendered":"

Thu h\u1ed9 l\u00e0 g\u00ec? Thu h\u1ed9 l\u00e0 d\u1ecbch v\u1ee5 m\u00e0 m\u1ed9t b\u00ean trung gian \u0111\u1ee9ng ra thu ti\u1ec1n thay cho doanh nghi\u1ec7p ho\u1eb7c c\u00e1 nh\u00e2n, theo th\u1ecfa thu\u1eadn \u0111\u00e3 k\u00fd k\u1ebft. Thay v\u00ec ng\u01b0\u1eddi b\u00e1n ph\u1ea3i t\u1ef1 thu ti\u1ec1n t\u1eeb kh\u00e1ch h\u00e0ng, \u0111\u01a1n v\u1ecb thu h\u1ed9 s\u1ebd nh\u1eadn ti\u1ec1n r\u1ed3i chuy\u1ec3n l\u1ea1i v\u1ec1 t\u00e0i kho\u1ea3n ng\u01b0\u1eddi b\u00e1n.<\/p>\n

D\u1ecbch v\u1ee5 thu h\u1ed9 c\u00f3 m\u1eb7t \u1edf nhi\u1ec1u l\u0129nh v\u1ef1c: T\u1eeb giao h\u00e0ng thu ti\u1ec1n h\u1ed9 (COD) cho \u0111\u1ebfn thu h\u1ed9 qua ng\u00e2n h\u00e0ng, c\u1ed5ng thanh to\u00e1n, t\u00e0i kho\u1ea3n \u1ea3o. B\u00e0i vi\u1ebft n\u00e0y gi\u00fap b\u1ea1n ph\u00e2n bi\u1ec7t r\u00f5 t\u1eebng h\u00ecnh th\u1ee9c v\u00e0 c\u00e1ch ch\u1ecdn gi\u1ea3i ph\u00e1p ph\u00f9 h\u1ee3p.<\/p>\n

\"Thu
\nThu h\u1ed9 l\u00e0 g\u00ec – c\u00e1c h\u00ecnh th\u1ee9c ph\u1ed5 bi\u1ebfn<\/em><\/p>\n

Thu h\u1ed9 l\u00e0 g\u00ec theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt?<\/h2>\n

Theo Ngh\u1ecb \u0111\u1ecbnh 52\/2024\/N\u0110-CP v\u1ec1 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t v\u00e0 Th\u00f4ng t\u01b0 40\/2024\/TT-NHNN c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 thu h\u1ed9, chi h\u1ed9 thu\u1ed9c nh\u00f3m d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n. \u0110\u01a1n v\u1ecb mu\u1ed1n cung c\u1ea5p d\u1ecbch v\u1ee5 n\u00e0y ph\u1ea3i \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc c\u1ea5p gi\u1ea5y ph\u00e9p.<\/p>\n

C\u00f3 th\u1ec3 hi\u1ec3u \u0111\u01a1n gi\u1ea3n: B\u1ea1n b\u00e1n h\u00e0ng, kh\u00e1ch tr\u1ea3 ti\u1ec1n cho b\u00ean th\u1ee9 ba (ng\u00e2n h\u00e0ng, c\u00f4ng ty v\u1eadn chuy\u1ec3n, ho\u1eb7c n\u1ec1n t\u1ea3ng thanh to\u00e1n). Sau \u0111\u00f3 b\u00ean th\u1ee9 ba chuy\u1ec3n ti\u1ec1n v\u1ec1 cho b\u1ea1n. To\u00e0n b\u1ed9 qu\u00e1 tr\u00ecnh n\u00e0y g\u1ecdi l\u00e0 thu h\u1ed9.<\/p>\n

C\u00e1c h\u00ecnh th\u1ee9c thu h\u1ed9 ph\u1ed5 bi\u1ebfn t\u1ea1i Vi\u1ec7t Nam<\/h2>\n

Thu h\u1ed9 kh\u00f4ng ch\u1ec9 c\u00f3 m\u1ed7i giao h\u00e0ng thu ti\u1ec1n. Th\u1ef1c t\u1ebf c\u00f3 nhi\u1ec1u h\u00ecnh th\u1ee9c thu h\u1ed9 kh\u00e1c nhau, ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng m\u00f4 h\u00ecnh kinh doanh.<\/p>\n

1) COD – giao h\u00e0ng v\u00e0 thu ti\u1ec1n<\/h3>\n

\u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c quen thu\u1ed9c nh\u1ea5t m\u00e0 b\u1ea1n hay th\u1ea5y. Ng\u01b0\u1eddi mua \u0111\u1eb7t h\u00e0ng online, nh\u00e2n vi\u00ean giao h\u00e0ng mang h\u00e0ng \u0111\u1ebfn v\u00e0 thu ti\u1ec1n m\u1eb7t t\u1ea1i ch\u1ed7. Sau \u0111\u00f3 h\u00e3ng v\u1eadn chuy\u1ec3n chuy\u1ec3n s\u1ed1 ti\u1ec1n \u0111\u00e3 thu v\u1ec1 cho ng\u01b0\u1eddi b\u00e1n.<\/p>\n

Ti\u1ec1n thu h\u1ed9 kh\u00f4ng t\u1ef1 v\u1ec1 t\u00e0i kho\u1ea3n ngay. Ng\u01b0\u1eddi b\u00e1n c\u1ea7n r\u00fat ti\u1ec1n t\u1eeb v\u00ed h\u00e3ng v\u1eadn chuy\u1ec3n v\u1ec1 ng\u00e2n h\u00e0ng, c\u00f3 th\u1ec3 c\u00e0i \u0111\u1eb7t t\u1ef1 \u0111\u1ed9ng r\u00fat theo chu k\u1ef3 (h\u00e0ng ng\u00e0y, h\u00e0ng tu\u1ea7n). M\u1ed7i l\u1ea7n r\u00fat c\u0169ng c\u00f3 th\u1ec3 ph\u00e1t sinh ph\u00ed.<\/p>\n

COD ph\u00f9 h\u1ee3p v\u1edbi b\u00e1n l\u1ebb online, \u0111\u1eb7c bi\u1ec7t khi kh\u00e1ch h\u00e0ng ch\u01b0a quen thanh to\u00e1n tr\u01b0\u1edbc. Nh\u01b0ng nh\u01b0\u1ee3c \u0111i\u1ec3m r\u00f5 r\u00e0ng: t\u1ef7 l\u1ec7 ho\u00e0n h\u00e0ng cao v\u00ec kh\u00e1ch \u0111\u1eb7t d\u1ec5 nh\u01b0ng h\u1ee7y c\u0169ng d\u1ec5. Ti\u1ec1n v\u1ec1 ch\u1eadm t\u1eeb 1 \u0111\u1ebfn 3 ng\u00e0y, v\u00e0 d\u00f2ng ti\u1ec1n b\u1ecb gi\u1eef l\u1ea1i \u1edf b\u00ean v\u1eadn chuy\u1ec3n, c\u0169ng nh\u01b0 kh\u00f3 kh\u0103n trong \u0111\u1ed1i so\u00e1t.<\/p>\n

2) T\u00e0i kho\u1ea3n \u1ea3o (Virtual Account)<\/h3>\n

T\u00e0i kho\u1ea3n \u1ea3o (VA – Virtual Account) l\u00e0 gi\u1ea3i ph\u00e1p thu h\u1ed9 ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn trong thanh to\u00e1n s\u1ed1. C\u1ea3 ng\u00e2n h\u00e0ng l\u1eabn trung gian thanh to\u00e1n \u0111\u1ec1u cung c\u1ea5p VA, nh\u01b0ng c\u00e1ch ho\u1ea1t \u0111\u1ed9ng kh\u00e1c nhau \u0111\u00e1ng k\u1ec3.<\/p>\n

VA t\u1eeb ng\u00e2n h\u00e0ng:<\/strong> Kh\u00e1ch chuy\u1ec3n kho\u1ea3n v\u00e0o s\u1ed1 VA, ti\u1ec1n v\u1ec1 th\u1eb3ng t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng ch\u00ednh c\u1ee7a doanh nghi\u1ec7p t\u1ee9c th\u00ec. Kh\u00f4ng m\u1ea5t ph\u00ed giao d\u1ecbch (\u0111\u00e3 bao g\u1ed3m trong g\u00f3i d\u1ecbch v\u1ee5), d\u00f2ng ti\u1ec1n nguy\u00ean v\u1eb9n 100%. \u0110\u00e2y l\u00e0 m\u00f4 h\u00ecnh A2A Payment, ti\u1ec1n \u0111i tr\u1ef1c ti\u1ebfp t\u1eeb t\u00e0i kho\u1ea3n ng\u01b0\u1eddi mua sang t\u00e0i kho\u1ea3n ng\u01b0\u1eddi b\u00e1n.<\/p>\n

VA t\u1eeb trung gian thanh to\u00e1n:<\/strong> Ti\u1ec1n v\u00e0o v\u00ed c\u1ee7a \u0111\u01a1n v\u1ecb trung gian tr\u01b0\u1edbc, sau \u0111\u00f3 doanh nghi\u1ec7p c\u1ea7n r\u00fat v\u1ec1 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng. Th\u1eddi gian r\u00fat th\u01b0\u1eddng T+1 \u0111\u1ebfn T+7 t\u00f9y \u0111\u01a1n v\u1ecb. Ph\u00ed giao d\u1ecbch t\u00ednh theo ph\u1ea7n tr\u0103m c\u1ed9ng ph\u00ed c\u1ed1 \u0111\u1ecbnh, ho\u1eb7c t\u00ednh ph\u00ed khi r\u00fat ti\u1ec1n v\u1ec1 ng\u00e2n h\u00e0ng.<\/p>\n

VA ng\u00e2n h\u00e0ng hi\u1ec7n c\u00f3 3 lo\u1ea1i ch\u00ednh. VA t\u0129nh g\u1eafn theo c\u1eeda h\u00e0ng ho\u1eb7c \u0111i\u1ec3m b\u00e1n, d\u00f9ng nhi\u1ec1u l\u1ea7n, ph\u00f9 h\u1ee3p cho chu\u1ed7i b\u00e1n l\u1ebb. VA \u0111\u1ed9ng g\u1eafn theo \u0111\u01a1n h\u00e0ng, d\u00f9ng 1 l\u1ea7n, t\u1ef1 \u0111\u00f3ng sau khi thanh to\u00e1n xong, ph\u00f9 h\u1ee3p cho e-commerce. VA theo kh\u00e1ch h\u00e0ng g\u1eafn theo t\u1eebng kh\u00e1ch, ph\u00f9 h\u1ee3p cho thu ph\u00ed d\u1ecbch v\u1ee5 \u0111\u1ecbnh k\u1ef3. B\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ecdc chi ti\u1ebft \u01b0u nh\u01b0\u1ee3c \u0111i\u1ec3m t\u1eebng lo\u1ea1i trong b\u00e0i t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng \u1ea3o<\/a> tr\u00ean blog SePay.<\/p>\n

V\u00ed d\u1ee5: M\u1ed9t chu\u1ed7i c\u1eeda h\u00e0ng c\u00f3 50 chi nh\u00e1nh, thay v\u00ec m\u1edf 50 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng, ch\u1ec9 c\u1ea7n 1 t\u00e0i kho\u1ea3n ch\u00ednh k\u1ebft h\u1ee3p 50 VA t\u0129nh. Ti\u1ec1n v\u1ec1 t\u1ee9c th\u00ec, \u0111\u1ed1i so\u00e1t t\u1ef1 \u0111\u1ed9ng.<\/p>\n

SePay k\u1ebft n\u1ed1i API v\u1edbi ng\u00e2n h\u00e0ng, gi\u00fap doanh nghi\u1ec7p t\u1ea1o VA tr\u00ean: MBBank, BIDV, ACB, VietinBank, OCB, KienlongBank, MSB, VPBank.<\/p>\n

3) C\u1ed5ng thanh to\u00e1n (Payment Gateway)<\/h3>\n

C\u1ed5ng thanh to\u00e1n l\u00e0 n\u1ec1n t\u1ea3ng trung gian x\u1eed l\u00fd giao d\u1ecbch thanh to\u00e1n tr\u1ef1c tuy\u1ebfn. Kh\u00e1ch h\u00e0ng truy c\u1eadp website, ch\u1ecdn s\u1ea3n ph\u1ea9m, b\u1ea5m thanh to\u00e1n, h\u1ec7 th\u1ed1ng hi\u1ec3n th\u1ecb trang checkout \u0111\u1ec3 kh\u00e1ch qu\u00e9t QR ho\u1eb7c nh\u1eadp th\u1ebb. Sau khi kh\u00e1ch tr\u1ea3 ti\u1ec1n, c\u1ed5ng thanh to\u00e1n g\u1eedi th\u00f4ng b\u00e1o (IPN) v\u1ec1 cho website x\u00e1c nh\u1eadn \u0111\u01a1n h\u00e0ng.<\/p>\n

H\u00ecnh th\u1ee9c n\u00e0y ph\u00f9 h\u1ee3p v\u1edbi website b\u00e1n h\u00e0ng, SaaS, d\u1ecbch v\u1ee5 online. \u01afu \u0111i\u1ec3m: h\u1ed7 tr\u1ee3 nhi\u1ec1u ph\u01b0\u01a1ng th\u1ee9c (QR, th\u1ebb n\u1ed9i \u0111\u1ecba, th\u1ebb qu\u1ed1c t\u1ebf), x\u00e1c nh\u1eadn t\u1ee9c th\u00ec, t\u1ef1 \u0111\u1ed9ng h\u00f3a ho\u00e0n to\u00e0n.<\/p>\n

V\u1ec1 m\u1eb7t k\u1ef9 thu\u1eadt, c\u1ea3 VA ng\u00e2n h\u00e0ng l\u1eabn c\u1ed5ng thanh to\u00e1n \u0111\u1ec1u d\u00f9ng API v\u00e0 webhook \u0111\u1ec3 g\u1eedi th\u00f4ng b\u00e1o giao d\u1ecbch v\u1ec1 h\u1ec7 th\u1ed1ng c\u1ee7a doanh nghi\u1ec7p. API\/webhook l\u00e0 c\u00f4ng c\u1ee5 gi\u00fap vi\u1ec7c thu h\u1ed9 \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng h\u00f3a. Doanh nghi\u1ec7p c\u00f3 \u0111\u1ed9i k\u1ef9 thu\u1eadt c\u00f3 th\u1ec3 t\u00edch h\u1ee3p tr\u1ef1c ti\u1ebfp \u0111\u1ec3 t\u1ef1 x\u00e2y giao di\u1ec7n thanh to\u00e1n v\u00e0 logic x\u1eed l\u00fd \u0111\u01a1n h\u00e0ng.<\/p>\n

4) Ti\u1ec1n \u0111i\u1ec7n, n\u01b0\u1edbc, vi\u1ec5n th\u00f4ng<\/h3>\n

Ng\u00e2n h\u00e0ng v\u00e0 c\u00e1c \u0111i\u1ec3m giao d\u1ecbch (b\u01b0u c\u1ee5c, c\u1eeda h\u00e0ng ti\u1ec7n l\u1ee3i) nh\u1eadn thu h\u1ed9 c\u00e1c kho\u1ea3n thanh to\u00e1n \u0111\u1ecbnh k\u1ef3 nh\u01b0 ti\u1ec1n \u0111i\u1ec7n, n\u01b0\u1edbc, internet, b\u1ea3o hi\u1ec3m. Ng\u01b0\u1eddi d\u00e2n \u0111\u1ebfn \u0111i\u1ec3m giao d\u1ecbch ho\u1eb7c thanh to\u00e1n qua app ng\u00e2n h\u00e0ng, \u0111\u01a1n v\u1ecb thu h\u1ed9 chuy\u1ec3n ti\u1ec1n v\u1ec1 cho nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5.<\/p>\n

So s\u00e1nh c\u00e1c h\u00ecnh th\u1ee9c thu h\u1ed9<\/h2>\n\n\n\n\n\n\n\n\n
H\u00ecnh th\u1ee9c<\/th>\nTi\u1ec1n v\u1ec1<\/th>\nD\u00f2ng ti\u1ec1n<\/th>\nPh\u00ed<\/th>\n\u0110\u1ed1i so\u00e1t<\/th>\n<\/tr>\n<\/thead>\n
COD<\/strong><\/td>\n1-3 ng\u00e0y (r\u00fat t\u1eeb v\u00ed)<\/td>\nQua v\u00ed h\u00e3ng v\u1eadn chuy\u1ec3n<\/td>\nPh\u00ed theo l\u1ea7n r\u00fat<\/td>\nTh\u1ee7 c\u00f4ng, theo \u0111\u1ee3t<\/td>\n<\/tr>\n
VA ng\u00e2n h\u00e0ng<\/strong><\/td>\nT\u1ee9c th\u00ec<\/td>\nNguy\u00ean v\u1eb9n 100%<\/td>\nTheo g\u00f3i, mi\u1ec5n ph\u00ed GD<\/td>\nT\u1ef1 \u0111\u1ed9ng theo VA, h\u1ed7 tr\u1ee3 API\/Webhook<\/td>\n<\/tr>\n
C\u1ed5ng thanh to\u00e1n<\/strong><\/td>\nT\u1ee9c th\u00ec (QR) \/ T+1 (th\u1ebb)<\/td>\nQR: nguy\u00ean v\u1eb9n. Th\u1ebb: qua trung gian<\/td>\nPh\u00ed c\u1ed1 \u0111\u1ecbnh ho\u1eb7c %<\/td>\nT\u1ef1 \u0111\u1ed9ng qua IPN<\/td>\n<\/tr>\n
H\u00f3a \u0111\u01a1n d\u1ecbch v\u1ee5<\/strong><\/td>\nTheo chu k\u1ef3 \u0111\u1ed1i so\u00e1t<\/td>\nQua \u0111\u01a1n v\u1ecb thu h\u1ed9<\/td>\nPh\u00ed d\u1ecbch v\u1ee5 thu h\u1ed9<\/td>\nT\u1ef1 \u0111\u1ed9ng theo h\u1ec7 th\u1ed1ng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\"So
\n\u1ea2nh infographic so s\u00e1nh h\u00ecnh th\u1ee9c thu h\u1ed9<\/em><\/p>\n

Thu h\u1ed9 l\u00e0 g\u00ec trong l\u0129nh v\u1ef1c thanh to\u00e1n s\u1ed1?<\/h2>\n

N\u1ebfu b\u1ea1n \u0111ang kinh doanh online ho\u1eb7c v\u1eadn h\u00e0nh n\u1ec1n t\u1ea3ng s\u1ed1, th\u00ec thu h\u1ed9 r\u1ea5t ph\u00f9 h\u1ee3p. Thu h\u1ed9 trong thanh to\u00e1n s\u1ed1 l\u00e0 h\u1ec7 th\u1ed1ng t\u1ef1 \u0111\u1ed9ng nh\u1eadn ti\u1ec1n t\u1eeb kh\u00e1ch, ghi nh\u1eadn giao d\u1ecbch, \u0111\u1ed1i so\u00e1t, r\u1ed3i chuy\u1ec3n v\u1ec1 v\u00ed trung gian ho\u1eb7c t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u1ee7a doanh nghi\u1ec7p. T\u1ea5t c\u1ea3 di\u1ec5n ra trong v\u00e0i gi\u00e2y.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00e2y, k\u1ebf to\u00e1n ph\u1ea3i ng\u1ed3i tr\u1ef1c xem giao d\u1ecbch \u1edf internet banking ho\u1eb7c app ng\u00e2n h\u00e0ng. Th\u1ea5y ti\u1ec1n v\u00e0o th\u00ec check t\u1eebng giao d\u1ecbch xem kh\u00e1ch n\u00e0o chuy\u1ec3n, \u0111\u00fang s\u1ed1 ti\u1ec1n ch\u01b0a, n\u1ed9i dung c\u00f3 \u0111\u00fang m\u00e3 \u0111\u01a1n kh\u00f4ng. V\u1edbi thu h\u1ed9 qua h\u1ec7 th\u1ed1ng t\u1ef1 \u0111\u1ed9ng, to\u00e0n b\u1ed9 b\u01b0\u1edbc n\u00e0y \u0111\u01b0\u1ee3c x\u1eed l\u00fd b\u1edfi ph\u1ea7n m\u1ec1m.<\/p>\n

C\u1ee5 th\u1ec3, quy tr\u00ecnh thu h\u1ed9 t\u1ef1 \u0111\u1ed9ng g\u1ed3m 4 b\u01b0\u1edbc:<\/p>\n

    \n
  1. Kh\u00e1ch h\u00e0ng thanh to\u00e1n (qu\u00e9t QR, chuy\u1ec3n kho\u1ea3n, ho\u1eb7c nh\u1eadp th\u1ebb)<\/li>\n
  2. Ng\u00e2n h\u00e0ng x\u1eed l\u00fd giao d\u1ecbch v\u00e0 g\u1eedi th\u00f4ng b\u00e1o cho \u0111\u01a1n v\u1ecb thu h\u1ed9<\/li>\n
  3. H\u1ec7 th\u1ed1ng thu h\u1ed9 \u0111\u1ed1i chi\u1ebfu giao d\u1ecbch v\u1edbi \u0111\u01a1n h\u00e0ng (theo m\u00e3 thanh to\u00e1n, t\u00e0i kho\u1ea3n \u1ea3o, ho\u1eb7c s\u1ed1 ti\u1ec1n)<\/li>\n
  4. X\u00e1c nh\u1eadn \u0111\u01a1n h\u00e0ng t\u1ef1 \u0111\u1ed9ng, c\u1eadp nh\u1eadt tr\u1ea1ng th\u00e1i cho c\u1ea3 ng\u01b0\u1eddi mua v\u00e0 ng\u01b0\u1eddi b\u00e1n<\/li>\n<\/ol>\n

    L\u1ee3i \u00edch khi doanh nghi\u1ec7p s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 thu h\u1ed9<\/h2>\n

    V\u1edbi doanh nghi\u1ec7p:<\/strong> Gi\u1ea3m nh\u00e2n s\u1ef1 k\u1ebf to\u00e1n ph\u1ea3i \u0111\u1ed1i so\u00e1t th\u1ee7 c\u00f4ng. Ti\u1ec1n v\u1ec1 nhanh h\u01a1n, d\u00f2ng ti\u1ec1n kh\u00f4ng b\u1ecb ngh\u1ebdn ch\u1edd \u0111\u1ee3i. H\u1ea1n ch\u1ebf sai s\u00f3t do con ng\u01b0\u1eddi nh\u1eadp li\u1ec7u. V\u00e0 quan tr\u1ecdng nh\u1ea5t: khi quy m\u00f4 giao d\u1ecbch t\u0103ng l\u00ean h\u00e0ng tr\u0103m, h\u00e0ng ngh\u00ecn giao d\u1ecbch m\u1ed7i ng\u00e0y, kh\u00f4ng th\u1ec3 n\u00e0o x\u1eed l\u00fd b\u1eb1ng tay \u0111\u01b0\u1ee3c n\u1eefa.<\/p>\n

    V\u1edbi kh\u00e1ch h\u00e0ng:<\/strong> C\u00f3 nhi\u1ec1u l\u1ef1a ch\u1ecdn thanh to\u00e1n h\u01a1n. Kh\u00f4ng c\u1ea7n mang ti\u1ec1n m\u1eb7t. Giao d\u1ecbch \u0111\u01b0\u1ee3c ghi nh\u1eadn minh b\u1ea1ch, c\u00f3 b\u1eb1ng ch\u1ee9ng r\u00f5 r\u00e0ng n\u1ebfu ph\u00e1t sinh tranh ch\u1ea5p.<\/p>\n

    Thu h\u1ed9 v\u00e0 chi h\u1ed9 kh\u00e1c nhau th\u1ebf n\u00e0o?<\/h2>\n

    Thu h\u1ed9 l\u00e0 thu ti\u1ec1n t\u1eeb kh\u00e1ch h\u00e0ng thay cho doanh nghi\u1ec7p. Chi h\u1ed9 th\u00ec ng\u01b0\u1ee3c l\u1ea1i: chi ti\u1ec1n t\u1eeb doanh nghi\u1ec7p \u0111\u1ebfn \u0111\u1ed1i t\u00e1c, nh\u00e2n vi\u00ean, ho\u1eb7c kh\u00e1ch h\u00e0ng.<\/p>\n

    V\u00ed d\u1ee5 d\u1ec5 hi\u1ec3u: S\u00e0n th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed thu ti\u1ec1n t\u1eeb ng\u01b0\u1eddi mua (thu h\u1ed9), r\u1ed3i chi ti\u1ec1n cho ng\u01b0\u1eddi b\u00e1n sau khi tr\u1eeb hoa h\u1ed3ng (chi h\u1ed9). Hai d\u1ecbch v\u1ee5 n\u00e0y th\u01b0\u1eddng \u0111i c\u1eb7p v\u1edbi nhau trong m\u00f4 h\u00ecnh kinh doanh n\u1ec1n t\u1ea3ng trung gian.<\/p>\n\n\n\n\n\n\n\n
    Ti\u00eau ch\u00ed<\/th>\nThu h\u1ed9<\/th>\nChi h\u1ed9<\/th>\n<\/tr>\n<\/thead>\n
    Chi\u1ec1u d\u00f2ng ti\u1ec1n<\/td>\nKh\u00e1ch h\u00e0ng \u2192 Trung gian \u2192 Doanh nghi\u1ec7p<\/td>\nDoanh nghi\u1ec7p \u2192 Trung gian \u2192 Ng\u01b0\u1eddi nh\u1eadn<\/td>\n<\/tr>\n
    M\u1ee5c \u0111\u00edch<\/td>\nNh\u1eadn ti\u1ec1n thanh to\u00e1n<\/td>\nTr\u1ea3 l\u01b0\u01a1ng, hoa h\u1ed3ng, ho\u00e0n ti\u1ec1n<\/td>\n<\/tr>\n
    V\u00ed d\u1ee5<\/td>\nThu ti\u1ec1n h\u1ecdc ph\u00ed, ti\u1ec1n \u0111\u01a1n h\u00e0ng<\/td>\nChi l\u01b0\u01a1ng nh\u00e2n vi\u00ean, chi hoa h\u1ed3ng CTV<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    N\u00ean ch\u1ecdn h\u00ecnh th\u1ee9c n\u00e0o?<\/h2>\n

    T\u00f9y m\u00f4 h\u00ecnh kinh doanh m\u00e0 ch\u1ecdn h\u00ecnh th\u1ee9c ph\u00f9 h\u1ee3p:<\/p>\n

    N\u1ebfu b\u1ea1n b\u00e1n h\u00e0ng online v\u00e0 giao h\u00e0ng t\u1eadn n\u01a1i, COD v\u1eabn c\u1ea7n thi\u1ebft. Nhi\u1ec1u kh\u00e1ch h\u00e0ng Vi\u1ec7t Nam v\u1eabn th\u00edch tr\u1ea3 ti\u1ec1n khi nh\u1eadn h\u00e0ng. Tuy nhi\u00ean n\u00ean k\u1ebft h\u1ee3p th\u00eam thanh to\u00e1n chuy\u1ec3n kho\u1ea3n \u0111\u1ec3 gi\u1ea3m t\u1ef7 l\u1ec7 ho\u00e0n \u0111\u01a1n.<\/p>\n

    N\u1ebfu b\u1ea1n c\u00f3 chu\u1ed7i c\u1eeda h\u00e0ng ho\u1eb7c thu ti\u1ec1n d\u1ecbch v\u1ee5 \u0111\u1ecbnh k\u1ef3 (h\u1ecdc ph\u00ed, ph\u00ed membership, ti\u1ec1n thu\u00ea), t\u00e0i kho\u1ea3n \u1ea3o<\/a> l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t. M\u1ed7i chi nh\u00e1nh c\u00f3 VA ri\u00eang, ti\u1ec1n v\u1ec1 t\u1ee9c th\u00ec, \u0111\u1ed1i so\u00e1t t\u1ef1 \u0111\u1ed9ng.<\/p>\n

    N\u1ebfu b\u1ea1n v\u1eadn h\u00e0nh website b\u00e1n h\u00e0ng ho\u1eb7c n\u1ec1n t\u1ea3ng SaaS, c\u1ed5ng thanh to\u00e1n<\/a> gi\u00fap b\u1ea1n nh\u1eadn nhi\u1ec1u ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n ch\u1ec9 v\u1edbi m\u1ed9t l\u1ea7n t\u00edch h\u1ee3p. H\u1ed7 tr\u1ee3 QR, th\u1ebb n\u1ed9i \u0111\u1ecba, th\u1ebb qu\u1ed1c t\u1ebf. N\u1ebfu c\u00f3 \u0111\u1ed9i dev, b\u1ea1n c\u00f3 th\u1ec3 t\u00edch h\u1ee3p API ng\u00e2n h\u00e0ng<\/a> k\u1ebft h\u1ee3p webhook \u0111\u1ec3 t\u00f9y bi\u1ebfn theo \u00fd mu\u1ed1n.<\/p>\n

    H\u00f3a \u0111\u01a1n v\u00e0 thu\u1ebf khi thu h\u1ed9<\/h2>\n

    \u0110\u00e2y l\u00e0 c\u00e2u h\u1ecfi nhi\u1ec1u doanh nghi\u1ec7p th\u1eafc m\u1eafc. Theo quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 123\/2020\/N\u0110-CP<\/a> (s\u1eeda \u0111\u1ed5i b\u1edfi Ngh\u1ecb \u0111\u1ecbnh 70\/2025\/N\u0110-CP), vi\u1ec7c xu\u1ea5t h\u00f3a \u0111\u01a1n thu h\u1ed9 chi h\u1ed9 chia 2 tr\u01b0\u1eddng h\u1ee3p:<\/p>\n

    Tr\u01b0\u1eddng h\u1ee3p 1:<\/strong> Doanh nghi\u1ec7p thu h\u1ed9 v\u00e0 h\u00f3a \u0111\u01a1n mang t\u00ean doanh nghi\u1ec7p thu h\u1ed9. Khi chuy\u1ec3n ti\u1ec1n cho b\u00ean nh\u1edd thu h\u1ed9, doanh nghi\u1ec7p ch\u1ec9 c\u1ea7n l\u1eadp phi\u1ebfu chi, kh\u00f4ng ph\u1ea3i k\u00ea khai thu\u1ebf cho kho\u1ea3n thu h\u1ed9 \u0111\u00f3.<\/p>\n

    Tr\u01b0\u1eddng h\u1ee3p 2:<\/strong> Doanh nghi\u1ec7p chi h\u1ed9 m\u00e0 h\u00f3a \u0111\u01a1n mang t\u00ean kh\u00e1ch h\u00e0ng (b\u00ean nh\u1edd chi h\u1ed9). Khi thu l\u1ea1i ti\u1ec1n chi h\u1ed9 th\u00ec kh\u00f4ng c\u1ea7n xu\u1ea5t h\u00f3a \u0111\u01a1n GTGT, ch\u1ec9 l\u1eadp ch\u1ee9ng t\u1eeb thu theo quy \u0111\u1ecbnh. Ng\u01b0\u1ee3c l\u1ea1i, n\u1ebfu h\u00f3a \u0111\u01a1n mang t\u00ean doanh nghi\u1ec7p chi h\u1ed9 th\u00ec ph\u1ea3i xu\u1ea5t h\u00f3a \u0111\u01a1n v\u00e0 k\u00ea khai thu\u1ebf GTGT khi thu l\u1ea1i.<\/p>\n

    Quy \u0111\u1ecbnh n\u00e0y kh\u00e1 ph\u1ee9c t\u1ea1p. N\u1ebfu doanh nghi\u1ec7p c\u00f3 ph\u00e1t sinh thu h\u1ed9, chi h\u1ed9 v\u1edbi s\u1ed1 l\u01b0\u1ee3ng l\u1edbn, t\u1ed1t nh\u1ea5t n\u00ean tham kh\u1ea3o th\u00eam \u00fd ki\u1ebfn t\u1eeb k\u1ebf to\u00e1n ho\u1eb7c \u0111\u01a1n v\u1ecb t\u01b0 v\u1ea5n thu\u1ebf.<\/p>\n

    SePay gi\u00fap doanh nghi\u1ec7p thu h\u1ed9 qua ng\u00e2n h\u00e0ng th\u1ebf n\u00e0o?<\/h2>\n

    SePay k\u1ebft n\u1ed1i API tr\u1ef1c ti\u1ebfp v\u1edbi ng\u00e2n h\u00e0ng. Qua \u0111\u00f3 doanh nghi\u1ec7p c\u00f3 th\u1ec3 t\u1ea1o t\u00e0i kho\u1ea3n \u1ea3o (VA), nh\u1eadn th\u00f4ng b\u00e1o giao d\u1ecbch realtime qua webhook, v\u00e0 \u0111\u1ed1i so\u00e1t t\u1ef1 \u0111\u1ed9ng.<\/p>\n

    \u01afu \u0111i\u1ec3m r\u1ea5t l\u1edbn khi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 n\u00e0y t\u1ea1i SePay l\u00e0 khi kh\u00e1ch chuy\u1ec3n kho\u1ea3n, ti\u1ec1n v\u00e0o th\u1eb3ng t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u1ee7a doanh nghi\u1ec7p, kh\u00f4ng \u0111i qua b\u1ea5t k\u1ef3 v\u00ed hay t\u00e0i kho\u1ea3n trung gian n\u00e0o<\/strong>. Ng\u00e2n h\u00e0ng l\u00e0 b\u00ean \u0111\u1ee9ng ra thu h\u1ed9, SePay l\u00e0 l\u1edbp c\u00f4ng ngh\u1ec7 k\u1ebft n\u1ed1i gi\u00fap qu\u00e1 tr\u00ecnh n\u00e0y \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng h\u00f3a.<\/p>\n

    Th\u00f4ng qua SePay, b\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 thu h\u1ed9 c\u1ee7a ng\u00e2n h\u00e0ng m\u1ed9t c\u00e1ch d\u1ec5 d\u00e0ng m\u00e0 kh\u00f4ng t\u1ed1n nhi\u1ec1u chi ph\u00ed. SePay c\u00f3 s\u1eb5n API, webhook, t\u00e0i kho\u1ea3n \u1ea3o v\u00e0 loa th\u00f4ng b\u00e1o \u0111\u1ec3 v\u1eadn h\u00e0nh m\u1ecdi th\u1ee9 t\u1ef1 \u0111\u1ed9ng.<\/p>\n

    V\u1edbi c\u1eeda h\u00e0ng, qu\u00e1n \u0103n:<\/strong> D\u00f9ng loa thanh to\u00e1n SePay k\u1ebft h\u1ee3p VA. Kh\u00e1ch qu\u00e9t m\u00e3 QR, ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u1ee7a b\u1ea1n t\u1ee9c th\u00ec, loa ph\u00e1t th\u00f4ng b\u00e1o ngay l\u1eadp t\u1ee9c.<\/p>\n

    \"Thu
    \nMinh h\u1ecda SePay thu h\u1ed9 qua ng\u00e2n h\u00e0ng v\u1edbi SePay<\/em><\/p>\n

    V\u1edbi website, \u1ee9ng d\u1ee5ng:<\/strong> T\u00edch h\u1ee3p c\u1ed5ng thanh to\u00e1n ho\u1eb7c webhook qua API SePay. H\u1ed7 tr\u1ee3 VietQR, NAPAS, th\u1ebb qu\u1ed1c t\u1ebf Visa\/Mastercard\/JCB. C\u00f3 SDK cho PHP v\u00e0 Node.js, t\u00e0i li\u1ec7u \u0111\u1ea7y \u0111\u1ee7 t\u1ea1i developer.sepay.vn<\/a>.<\/p>\n

    V\u1edbi chu\u1ed7i c\u1eeda h\u00e0ng<\/strong>: T\u1ea1o VA tr\u00ean SePay cho 8 ng\u00e2n h\u00e0ng (ACB, BIDV, MBBank, OCB, KienlongBank, MSB, VietinBank, VPBank). M\u1ed7i chi nh\u00e1nh m\u1ed9t VA ri\u00eang, \u0111\u1ed1i so\u00e1t t\u1ef1 \u0111\u1ed9ng, kh\u00f4ng c\u1ea7n m\u1edf nhi\u1ec1u t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng.<\/p>\n

    N\u1ebfu b\u1ea1n ch\u01b0a bi\u1ebft n\u00ean ch\u1ecdn gi\u1ea3i ph\u00e1p thu h\u1ed9 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