{"id":3668,"date":"2026-03-16T09:52:43","date_gmt":"2026-03-16T02:52:43","guid":{"rendered":"https:\/\/sepay.vn\/blog\/?p=3668"},"modified":"2026-03-16T13:12:45","modified_gmt":"2026-03-16T06:12:45","slug":"payout-la-gi","status":"publish","type":"post","link":"https:\/\/sepay.vn\/blog\/payout-la-gi\/","title":{"rendered":"Payout l\u00e0 g\u00ec? Chi h\u1ed9 l\u00e0 g\u00ec? Ph\u00e2n bi\u1ec7t v\u00e0 \u1ee9ng d\u1ee5ng"},"content":{"rendered":"<p><strong>Payout l\u00e0 g\u00ec?<\/strong> Hi\u1ec3u \u0111\u01a1n gi\u1ea3n, payout l\u00e0 qu\u00e1 tr\u00ecnh doanh nghi\u1ec7p chuy\u1ec3n ti\u1ec1n ra cho \u0111\u1ed1i t\u00e1c, nh\u00e2n vi\u00ean ho\u1eb7c kh\u00e1ch h\u00e0ng. Trong ti\u1ebfng Vi\u1ec7t, thu\u1eadt ng\u1eef t\u01b0\u01a1ng \u0111\u01b0\u01a1ng l\u00e0 <strong>chi h\u1ed9<\/strong>. N\u1ebfu b\u1ea1n \u0111ang v\u1eadn h\u00e0nh s\u00e0n th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed, app t\u00e0i ch\u00ednh, hay b\u1ea5t k\u1ef3 m\u00f4 h\u00ecnh n\u00e0o c\u1ea7n chi ti\u1ec1n h\u00e0ng lo\u1ea1t, b\u00e0i vi\u1ebft n\u00e0y s\u1ebd gi\u00fap b\u1ea1n n\u1eafm r\u00f5 payout ho\u1ea1t \u0111\u1ed9ng ra sao. B\u1ea1n c\u0169ng s\u1ebd hi\u1ec3u quy \u0111\u1ecbnh ph\u00e1p l\u00fd th\u1ebf n\u00e0o v\u00e0 c\u00e1ch ch\u1ecdn gi\u1ea3i ph\u00e1p ph\u00f9 h\u1ee3p.<\/p>\n<h2>Payout l\u00e0 g\u00ec?<\/h2>\n<h3>\u0110\u1ecbnh ngh\u0129a payout trong thanh to\u00e1n<\/h3>\n<p>Payout (hay pay-out) l\u00e0 thu\u1eadt ng\u1eef ch\u1ec9 vi\u1ec7c chuy\u1ec3n ti\u1ec1n t\u1eeb doanh nghi\u1ec7p\/t\u1ed5 ch\u1ee9c \u0111\u1ebfn m\u1ed9t ho\u1eb7c nhi\u1ec1u ng\u01b0\u1eddi nh\u1eadn. Ng\u01b0\u1eddi nh\u1eadn c\u00f3 th\u1ec3 l\u00e0 nh\u00e2n vi\u00ean (tr\u1ea3 l\u01b0\u01a1ng), \u0111\u1ed1i t\u00e1c (chi hoa h\u1ed3ng), kh\u00e1ch h\u00e0ng (ho\u00e0n ti\u1ec1n), ho\u1eb7c b\u00ean th\u1ee9 ba (thanh to\u00e1n nh\u00e0 cung c\u1ea5p).<\/p>\n<p>\u1ede Vi\u1ec7t Nam, payout th\u01b0\u1eddng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 <strong>chi h\u1ed9<\/strong> ho\u1eb7c <strong>gi\u1ea3i ng\u00e2n<\/strong> t\u00f9y ng\u1eef c\u1ea3nh. Ng\u00e2n h\u00e0ng g\u1ecdi l\u00e0 d\u1ecbch v\u1ee5 chi h\u1ed9. C\u00e1c c\u00f4ng ty fintech g\u1ecdi l\u00e0 payout API ho\u1eb7c disbursement API. B\u1ea3n ch\u1ea5t gi\u1ed1ng nhau: ti\u1ec1n \u0111i ra kh\u1ecfi t\u00e0i kho\u1ea3n doanh nghi\u1ec7p, \u0111\u1ebfn tay ng\u01b0\u1eddi nh\u1eadn.<\/p>\n<p>Kh\u00e1c v\u1edbi payout trong l\u0129nh v\u1ef1c c\u1ed5 t\u1ee9c hay b\u1ea3o hi\u1ec3m (c\u0169ng d\u00f9ng t\u1eeb payout nh\u01b0ng mang ngh\u0129a chi tr\u1ea3 c\u1ed5 t\u1ee9c, b\u1ed3i th\u01b0\u1eddng), payout trong thanh to\u00e1n t\u1eadp trung v\u00e0o lu\u1ed3ng ti\u1ec1n v\u1eadn h\u00e0nh h\u00e0ng ng\u00e0y c\u1ee7a doanh nghi\u1ec7p.<\/p>\n<h3>Payout kh\u00e1c g\u00ec payment (thu h\u1ed9)?<\/h3>\n<p>Nhi\u1ec1u ng\u01b0\u1eddi nh\u1ea7m l\u1eabn payout v\u00e0 payment. Th\u1ef1c t\u1ebf hai kh\u00e1i ni\u1ec7m n\u00e0y ng\u01b0\u1ee3c chi\u1ec1u nhau ho\u00e0n to\u00e0n:<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<thead>\n<tr style=\"background-color: #f0f7ff;\">\n<th style=\"border: 1px solid #ddd; padding: 10px; text-align: left;\">Ti\u00eau ch\u00ed<\/th>\n<th style=\"border: 1px solid #ddd; padding: 10px; text-align: left;\">Payout (Chi h\u1ed9 \/ Pay-out)<\/th>\n<th style=\"border: 1px solid #ddd; padding: 10px; text-align: left;\">Payment (Thu h\u1ed9 \/ Pay-in)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Chi\u1ec1u ti\u1ec1n<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Doanh nghi\u1ec7p \u2192 Ng\u01b0\u1eddi nh\u1eadn<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Kh\u00e1ch h\u00e0ng \u2192 Doanh nghi\u1ec7p<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">M\u1ee5c \u0111\u00edch<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Tr\u1ea3 l\u01b0\u01a1ng, ho\u00e0n ti\u1ec1n, chi hoa h\u1ed3ng<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Nh\u1eadn thanh to\u00e1n \u0111\u01a1n h\u00e0ng, ph\u00ed d\u1ecbch v\u1ee5<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">S\u1ed1 l\u01b0\u1ee3ng giao d\u1ecbch<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Th\u01b0\u1eddng x\u1eed l\u00fd h\u00e0ng lo\u1ea1t (batch)<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">T\u1eebng giao d\u1ecbch ri\u00eang l\u1ebb<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">V\u00ed d\u1ee5<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Shopee tr\u1ea3 ti\u1ec1n cho ng\u01b0\u1eddi b\u00e1n<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Kh\u00e1ch mua h\u00e0ng tr\u1ea3 ti\u1ec1n cho shop<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-pay-in-pay-out-thu-ho-chi-ho.jpg\" alt=\"So s\u00e1nh pay-in (thu h\u1ed9) v\u00e0 pay-out (chi h\u1ed9) trong thanh to\u00e1n\" width=\"1456\" height=\"720\" class=\"alignnone size-full wp-image-3671\" srcset=\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-pay-in-pay-out-thu-ho-chi-ho.jpg 1456w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-pay-in-pay-out-thu-ho-chi-ho-300x148.jpg 300w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-pay-in-pay-out-thu-ho-chi-ho-1024x506.jpg 1024w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-pay-in-pay-out-thu-ho-chi-ho-768x380.jpg 768w\" sizes=\"auto, (max-width: 1456px) 100vw, 1456px\" \/><br \/>\nM\u1ed9t doanh nghi\u1ec7p th\u01b0\u1eddng c\u1ea7n c\u1ea3 hai. Thu ti\u1ec1n v\u00e0o (pay-in) r\u1ed3i chi ti\u1ec1n ra (pay-out). S\u00e0n th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed l\u00e0 v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh: thu ti\u1ec1n t\u1eeb ng\u01b0\u1eddi mua, r\u1ed3i payout cho ng\u01b0\u1eddi b\u00e1n sau khi tr\u1eeb ph\u00ed. Hi\u1ec3u r\u00f5 payout l\u00e0 g\u00ec gi\u00fap doanh nghi\u1ec7p ph\u00e2n bi\u1ec7t \u0111\u00fang chi\u1ec1u d\u00f2ng ti\u1ec1n.<\/p>\n<h3>C\u00e1c h\u00ecnh th\u1ee9c payout ph\u1ed5 bi\u1ebfn t\u1ea1i Vi\u1ec7t Nam<\/h3>\n<p>T\u00f9y quy m\u00f4 v\u00e0 nhu c\u1ea7u, doanh nghi\u1ec7p c\u00f3 th\u1ec3 ch\u1ecdn c\u00e1c h\u00ecnh th\u1ee9c payout sau:<\/p>\n<p><strong>Chuy\u1ec3n kho\u1ea3n ng\u00e2n h\u00e0ng<\/strong> v\u1eabn l\u00e0 ph\u1ed5 bi\u1ebfn nh\u1ea5t. Doanh nghi\u1ec7p chuy\u1ec3n ti\u1ec1n tr\u1ef1c ti\u1ebfp v\u00e0o t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng ng\u01b0\u1eddi nh\u1eadn. Ph\u00f9 h\u1ee3p v\u1edbi tr\u1ea3 l\u01b0\u01a1ng, thanh to\u00e1n nh\u00e0 cung c\u1ea5p, chi hoa h\u1ed3ng. \u01afu \u0111i\u1ec3m l\u00e0 an to\u00e0n, c\u00f3 ch\u1ee9ng t\u1eeb r\u00f5 r\u00e0ng.<\/p>\n<p><strong>V\u00ed \u0111i\u1ec7n t\u1eed<\/strong> nh\u01b0 MoMo, ZaloPay \u0111ang \u0111\u01b0\u1ee3c d\u00f9ng nhi\u1ec1u cho payout gi\u00e1 tr\u1ecb nh\u1ecf. Ho\u00e0n ti\u1ec1n cho kh\u00e1ch h\u00e0ng, tr\u1ea3 th\u01b0\u1edfng ch\u01b0\u01a1ng tr\u00ecnh loyalty, chi hoa h\u1ed3ng cho c\u1ed9ng t\u00e1c vi\u00ean&#8230; T\u1ed1c \u0111\u1ed9 nhanh, nh\u01b0ng h\u1ea1n m\u1ee9c th\u01b0\u1eddng th\u1ea5p h\u01a1n chuy\u1ec3n kho\u1ea3n ng\u00e2n h\u00e0ng.<\/p>\n<p><strong>Ti\u1ec1n m\u1eb7t<\/strong> v\u1eabn t\u1ed3n t\u1ea1i \u1edf m\u1ed9t s\u1ed1 ng\u00e0nh \u0111\u1eb7c th\u00f9 nh\u01b0 logistics, b\u1ea3o hi\u1ec3m \u1edf v\u00f9ng n\u00f4ng th\u00f4n. Nh\u01b0ng xu h\u01b0\u1edbng chung \u0111ang d\u1ecbch chuy\u1ec3n sang payout \u0111i\u1ec7n t\u1eed. L\u00fd do: d\u1ec5 ki\u1ec3m so\u00e1t v\u00e0 gi\u1ea3m r\u1ee7i ro h\u01a1n.<\/p>\n<h2>D\u1ecbch v\u1ee5 chi h\u1ed9 (payout) l\u00e0 g\u00ec? Quy \u0111\u1ecbnh ph\u00e1p l\u00fd<\/h2>\n<h3>Payout chi h\u1ed9 theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt Vi\u1ec7t Nam<\/h3>\n<p><strong>Chi h\u1ed9 l\u00e0 g\u00ec<\/strong> trong h\u1ec7 th\u1ed1ng ph\u00e1p lu\u1eadt Vi\u1ec7t Nam? Theo quy \u0111\u1ecbnh ng\u00e2n h\u00e0ng, d\u1ecbch v\u1ee5 chi h\u1ed9 l\u00e0 vi\u1ec7c t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n th\u1ef1c hi\u1ec7n chi tr\u1ea3 ti\u1ec1n theo \u1ee7y nhi\u1ec7m c\u1ee7a b\u00ean s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5. C\u1ee5 th\u1ec3, doanh nghi\u1ec7p \u1ee7y quy\u1ec1n cho ng\u00e2n h\u00e0ng (ho\u1eb7c t\u1ed5 ch\u1ee9c trung gian thanh to\u00e1n \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p) thay m\u00ecnh chuy\u1ec3n ti\u1ec1n cho ng\u01b0\u1eddi nh\u1eadn. \u0110\u00e2y ch\u00ednh l\u00e0 b\u1ea3n ch\u1ea5t payout l\u00e0 g\u00ec khi nh\u00ecn t\u1eeb g\u00f3c \u0111\u1ed9 ph\u00e1p l\u00fd.<\/p>\n<p>D\u1ecbch v\u1ee5 <strong>thu h\u1ed9 chi h\u1ed9<\/strong> do ng\u00e2n h\u00e0ng ho\u1eb7c t\u1ed5 ch\u1ee9c trung gian thanh to\u00e1n c\u00f3 gi\u1ea5y ph\u00e9p c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc cung c\u1ea5p. Doanh nghi\u1ec7p c\u1ea7n k\u00fd h\u1ee3p \u0111\u1ed3ng d\u1ecbch v\u1ee5 v\u1edbi \u0111\u01a1n v\u1ecb cung c\u1ea5p. H\u1ee3p \u0111\u1ed3ng ph\u1ea3i n\u00eau r\u00f5 ph\u1ea1m vi \u1ee7y quy\u1ec1n, h\u1ea1n m\u1ee9c, ph\u00ed d\u1ecbch v\u1ee5.<\/p>\n<p>\u0110i\u1ec3m quan tr\u1ecdng: kh\u00f4ng ph\u1ea3i doanh nghi\u1ec7p n\u00e0o c\u0169ng \u0111\u01b0\u1ee3c t\u1ef1 m\u00ecnh l\u00e0m d\u1ecbch v\u1ee5 chi h\u1ed9 cho b\u00ean th\u1ee9 ba. Mu\u1ed1n cung c\u1ea5p d\u1ecbch v\u1ee5 n\u00e0y, t\u1ed5 ch\u1ee9c c\u1ea7n \u0111\u01b0\u1ee3c NHNN c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng trung gian thanh to\u00e1n. C\u00f2n n\u1ebfu doanh nghi\u1ec7p ch\u1ec9 chi h\u1ed9 n\u1ed9i b\u1ed9 (tr\u1ea3 l\u01b0\u01a1ng, thanh to\u00e1n nh\u00e0 cung c\u1ea5p), \u0111\u00f3 l\u00e0 ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n th\u00f4ng th\u01b0\u1eddng.<\/p>\n<h3>Thu h\u1ed9 chi h\u1ed9 c\u00f3 ph\u1ea3i xu\u1ea5t h\u00f3a \u0111\u01a1n kh\u00f4ng?<\/h3>\n<p>\u0110\u00e2y l\u00e0 c\u00e2u h\u1ecfi r\u1ea5t nhi\u1ec1u k\u1ebf to\u00e1n quan t\u00e2m. C\u00e2u tr\u1ea3 l\u1eddi ph\u1ee5 thu\u1ed9c v\u00e0o b\u1ea3n ch\u1ea5t giao d\u1ecbch:<\/p>\n<p><strong>Tr\u01b0\u1eddng h\u1ee3p 1: Thu h\u1ed9 chi h\u1ed9 \u0111\u00fang ngh\u0129a.<\/strong> Doanh nghi\u1ec7p ch\u1ec9 \u0111\u1ee9ng ra thu\/chi thay, kh\u00f4ng h\u01b0\u1edfng ch\u00eanh l\u1ec7ch. Khi \u0111\u00f3, doanh nghi\u1ec7p kh\u00f4ng ph\u1ea3i xu\u1ea5t h\u00f3a \u0111\u01a1n GTGT cho ph\u1ea7n ti\u1ec1n thu h\u1ed9 chi h\u1ed9. Ch\u1ec9 xu\u1ea5t h\u00f3a \u0111\u01a1n cho ph\u1ea7n ph\u00ed d\u1ecbch v\u1ee5 thu h\u1ed9 chi h\u1ed9 (n\u1ebfu c\u00f3). Kho\u1ea3n ti\u1ec1n thu h\u1ed9 chi h\u1ed9 kh\u00f4ng ph\u1ea3i doanh thu n\u00ean kh\u00f4ng thu\u1ed9c \u0111\u1ed1i t\u01b0\u1ee3ng ch\u1ecbu VAT.<\/p>\n<p><strong>Tr\u01b0\u1eddng h\u1ee3p 2: Mua \u0111i b\u00e1n l\u1ea1i.<\/strong> N\u1ebfu doanh nghi\u1ec7p mua h\u00e0ng r\u1ed3i b\u00e1n l\u1ea1i cho kh\u00e1ch, d\u00f9 g\u1ecdi l\u00e0 chi h\u1ed9 th\u00ec b\u1ea3n ch\u1ea5t v\u1eabn l\u00e0 ho\u1ea1t \u0111\u1ed9ng kinh doanh. Ph\u1ea3i xu\u1ea5t h\u00f3a \u0111\u01a1n b\u00ecnh th\u01b0\u1eddng.<\/p>\n<p>\u0110\u1ec3 ph\u00e2n bi\u1ec7t, c\u1ea7n xem x\u00e9t: doanh nghi\u1ec7p c\u00f3 k\u00fd h\u1ee3p \u0111\u1ed3ng \u1ee7y nhi\u1ec7m chi h\u1ed9 kh\u00f4ng? C\u00f3 h\u01b0\u1edfng ch\u00eanh l\u1ec7ch gi\u00e1 kh\u00f4ng? C\u00f3 ch\u1ee9ng t\u1eeb g\u1ed1c ch\u1ee9ng minh vi\u1ec7c chi h\u1ed9 kh\u00f4ng? N\u1ebfu \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n chi h\u1ed9 \u0111\u00fang ngh\u0129a, kh\u00f4ng c\u1ea7n xu\u1ea5t h\u00f3a \u0111\u01a1n cho ph\u1ea7n ti\u1ec1n g\u1ed1c.<\/p>\n<h3>H\u1ea1ch to\u00e1n thu h\u1ed9 chi h\u1ed9 trong payout<\/h3>\n<p>V\u1edbi k\u1ebf to\u00e1n doanh nghi\u1ec7p, <strong>h\u1ea1ch to\u00e1n thu h\u1ed9 chi h\u1ed9<\/strong> c\u1ea7n t\u00e1ch bi\u1ec7t r\u00f5 kho\u1ea3n ti\u1ec1n g\u1ed1c v\u00e0 ph\u00ed d\u1ecbch v\u1ee5:<\/p>\n<p><strong>Khi nh\u1eadn ti\u1ec1n chi h\u1ed9 t\u1eeb b\u00ean \u1ee7y nhi\u1ec7m:<\/strong><\/p>\n<ul>\n<li>N\u1ee3 TK 112 (Ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng)<\/li>\n<li>C\u00f3 TK 338 (Ph\u1ea3i tr\u1ea3 kh\u00e1c, chi ti\u1ebft: ti\u1ec1n nh\u1eadn chi h\u1ed9)<\/li>\n<\/ul>\n<p><strong>Khi th\u1ef1c hi\u1ec7n chi h\u1ed9:<\/strong><\/p>\n<ul>\n<li>N\u1ee3 TK 338 (Ph\u1ea3i tr\u1ea3 kh\u00e1c)<\/li>\n<li>C\u00f3 TK 112 (Ti\u1ec1n g\u1eedi ng\u00e2n h\u00e0ng)<\/li>\n<\/ul>\n<p><strong>Ghi nh\u1eadn ph\u00ed d\u1ecbch v\u1ee5 chi h\u1ed9 (n\u1ebfu c\u00f3):<\/strong><\/p>\n<ul>\n<li>N\u1ee3 TK 112 ho\u1eb7c TK 131<\/li>\n<li>C\u00f3 TK 511 (Doanh thu d\u1ecbch v\u1ee5)<\/li>\n<li>C\u00f3 TK 3331 (Thu\u1ebf GTGT \u0111\u1ea7u ra)<\/li>\n<\/ul>\n<p>L\u01b0u \u00fd: kho\u1ea3n ti\u1ec1n chi h\u1ed9 kh\u00f4ng ghi nh\u1eadn v\u00e0o doanh thu hay chi ph\u00ed c\u1ee7a doanh nghi\u1ec7p. Ch\u1ec9 ph\u1ea7n ph\u00ed d\u1ecbch v\u1ee5 m\u1edbi h\u1ea1ch to\u00e1n v\u00e0o doanh thu. Doanh nghi\u1ec7p c\u1ea7n l\u01b0u gi\u1eef \u0111\u1ea7y \u0111\u1ee7 h\u1ee3p \u0111\u1ed3ng \u1ee7y nhi\u1ec7m, ch\u1ee9ng t\u1eeb chi, b\u1ea3ng k\u00ea chi ti\u1ebft \u0111\u1ec3 gi\u1ea3i tr\u00ecnh khi c\u00f3 ki\u1ec3m tra thu\u1ebf.<\/p>\n<h2>So s\u00e1nh payout th\u1ee7 c\u00f4ng vs payout t\u1ef1 \u0111\u1ed9ng qua API<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/payout-thu-cong-vs-tu-dong-api-e1773301330921.jpg\" alt=\"So s\u00e1nh payout th\u1ee7 c\u00f4ng v\u00e0 payout t\u1ef1 \u0111\u1ed9ng qua API\" width=\"1456\" height=\"658\" class=\"alignnone wp-image-3672 size-full\" srcset=\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/payout-thu-cong-vs-tu-dong-api-e1773301330921.jpg 1456w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/payout-thu-cong-vs-tu-dong-api-e1773301330921-300x136.jpg 300w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/payout-thu-cong-vs-tu-dong-api-e1773301330921-1024x463.jpg 1024w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/payout-thu-cong-vs-tu-dong-api-e1773301330921-768x347.jpg 768w\" sizes=\"auto, (max-width: 1456px) 100vw, 1456px\" \/><\/p>\n<h3>V\u1ea5n \u0111\u1ec1 c\u1ee7a payout th\u1ee7 c\u00f4ng<\/h3>\n<p>R\u1ea5t nhi\u1ec1u doanh nghi\u1ec7p Vi\u1ec7t Nam v\u1eabn \u0111ang x\u1eed l\u00fd payout b\u1eb1ng tay. K\u1ebf to\u00e1n m\u1edf internet banking, nh\u1eadp t\u1eebng l\u1ec7nh chuy\u1ec3n kho\u1ea3n, ch\u1edd OTP, x\u00e1c nh\u1eadn. N\u1ebfu ch\u1ec9 5-10 giao d\u1ecbch m\u1ed7i ng\u00e0y th\u00ec c\u00f2n \u1ed5n. Nh\u01b0ng khi l\u00ean 50, 100, hay h\u00e0ng ngh\u00ecn giao d\u1ecbch, v\u1ea5n \u0111\u1ec1 b\u1eaft \u0111\u1ea7u xu\u1ea5t hi\u1ec7n. T\u00ecm hi\u1ec3u payout l\u00e0 g\u00ec s\u1ebd gi\u00fap b\u1ea1n th\u1ea5y r\u00f5 h\u1ea1n ch\u1ebf c\u1ee7a c\u00e1ch l\u00e0m th\u1ee7 c\u00f4ng.<\/p>\n<p>Sai s\u1ed1 t\u00e0i kho\u1ea3n: nh\u1eadp tay th\u00ec s\u1edbm mu\u1ed9n c\u0169ng nh\u1ea7m. M\u1ed9t con s\u1ed1 sai trong s\u1ed1 t\u00e0i kho\u1ea3n, ti\u1ec1n \u0111i v\u00e0o t\u00e0i kho\u1ea3n ng\u01b0\u1eddi l\u1ea1. Xin ho\u00e0n l\u1ea1i m\u1ea5t c\u1ea3 tu\u1ea7n, c\u00f3 khi kh\u00f4ng l\u1ea5y \u0111\u01b0\u1ee3c.<\/p>\n<p>Ch\u1eadm tr\u1ec5: tr\u1ea3 l\u01b0\u01a1ng cho 200 nh\u00e2n vi\u00ean b\u1eb1ng tay m\u1ea5t n\u1eeda ng\u00e0y. Ho\u00e0n ti\u1ec1n cho kh\u00e1ch h\u00e0ng ch\u1edd 3-5 ng\u00e0y. Kh\u00e1ch ph\u00e0n n\u00e0n, \u0111\u00e1nh gi\u00e1 x\u1ea5u.<\/p>\n<p>Kh\u00f3 \u0111\u1ed1i so\u00e1t: k\u1ebf to\u00e1n ph\u1ea3i so kh\u1edbp t\u1eebng giao d\u1ecbch gi\u1eefa file Excel v\u00e0 sao k\u00ea ng\u00e2n h\u00e0ng. Cu\u1ed1i th\u00e1ng ng\u1ed3i \u0111\u1ed1i so\u00e1t m\u1ec7t h\u01a1n c\u1ea3 l\u00e0m vi\u1ec7c.<\/p>\n<p>R\u1ee7i ro b\u1ea3o m\u1eadt: nhi\u1ec1u ng\u01b0\u1eddi c\u00f9ng truy c\u1eadp internet banking, m\u1eadt kh\u1ea9u chia s\u1ebb n\u1ed9i b\u1ed9. R\u1ee7i ro gian l\u1eadn n\u1ed9i b\u1ed9 cao. \u0110\u1eb7c bi\u1ec7t v\u1edbi doanh nghi\u1ec7p c\u00f3 nh\u00e2n vi\u00ean k\u1ebf to\u00e1n lu\u00e2n chuy\u1ec3n th\u01b0\u1eddng xuy\u00ean.<\/p>\n<h3>Payout t\u1ef1 \u0111\u1ed9ng qua API ho\u1ea1t \u0111\u1ed9ng th\u1ebf n\u00e0o?<\/h3>\n<p>Payout API (hay disbursement API) cho ph\u00e9p h\u1ec7 th\u1ed1ng c\u1ee7a doanh nghi\u1ec7p g\u1ecdi tr\u1ef1c ti\u1ebfp \u0111\u1ebfn h\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng ho\u1eb7c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 thanh to\u00e1n. H\u1ec7 th\u1ed1ng s\u1ebd th\u1ef1c hi\u1ec7n chuy\u1ec3n ti\u1ec1n t\u1ef1 \u0111\u1ed9ng. Quy tr\u00ecnh nh\u01b0 sau:<\/p>\n<ol>\n<li>H\u1ec7 th\u1ed1ng doanh nghi\u1ec7p t\u1ea1o l\u1ec7nh payout (g\u1ed3m: s\u1ed1 t\u00e0i kho\u1ea3n, ng\u00e2n h\u00e0ng, s\u1ed1 ti\u1ec1n, n\u1ed9i dung)<\/li>\n<li>G\u1eedi request qua API \u0111\u1ebfn nh\u00e0 cung c\u1ea5p payout<\/li>\n<li>Nh\u00e0 cung c\u1ea5p x\u00e1c th\u1ef1c, ki\u1ec3m tra s\u1ed1 d\u01b0, th\u1ef1c hi\u1ec7n chuy\u1ec3n kho\u1ea3n<\/li>\n<li>Tr\u1ea3 v\u1ec1 k\u1ebft qu\u1ea3 (th\u00e0nh c\u00f4ng\/th\u1ea5t b\u1ea1i) qua callback ho\u1eb7c webhook<\/li>\n<li>H\u1ec7 th\u1ed1ng doanh nghi\u1ec7p c\u1eadp nh\u1eadt tr\u1ea1ng th\u00e1i giao d\u1ecbch t\u1ef1 \u0111\u1ed9ng<\/li>\n<\/ol>\n<p>To\u00e0n b\u1ed9 quy tr\u00ecnh di\u1ec5n ra trong v\u00e0i gi\u00e2y. Kh\u00f4ng c\u1ea7n ng\u01b0\u1eddi ng\u1ed3i nh\u1eadp tay. X\u00e1c th\u1ef1c b\u1eb1ng API key v\u00e0 ch\u1eef k\u00fd s\u1ed1 thay cho OTP t\u1eebng giao d\u1ecbch.<\/p>\n<h3>So s\u00e1nh chi ph\u00ed v\u00e0 hi\u1ec7u qu\u1ea3 payout<\/h3>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<thead>\n<tr style=\"background-color: #f0f7ff;\">\n<th style=\"border: 1px solid #ddd; padding: 10px; text-align: left;\">Ti\u00eau ch\u00ed<\/th>\n<th style=\"border: 1px solid #ddd; padding: 10px; text-align: left;\">Payout th\u1ee7 c\u00f4ng<\/th>\n<th style=\"border: 1px solid #ddd; padding: 10px; text-align: left;\">Payout t\u1ef1 \u0111\u1ed9ng (API)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">T\u1ed1c \u0111\u1ed9 x\u1eed l\u00fd<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">5-10 ph\u00fat\/giao d\u1ecbch<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">V\u00e0i gi\u00e2y\/giao d\u1ecbch<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">T\u1ef7 l\u1ec7 sai s\u00f3t<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">1-3% (nh\u1eadp sai STK, sai s\u1ed1 ti\u1ec1n)<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">G\u1ea7n 0% (validate tr\u01b0\u1edbc khi g\u1eedi)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Nh\u00e2n s\u1ef1 c\u1ea7n thi\u1ebft<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">1-2 k\u1ebf to\u00e1n chuy\u00ean tr\u00e1ch<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">H\u1ec7 th\u1ed1ng t\u1ef1 x\u1eed l\u00fd<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">\u0110\u1ed1i so\u00e1t<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Th\u1ee7 c\u00f4ng, cu\u1ed1i ng\u00e0y\/cu\u1ed1i th\u00e1ng<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Realtime, t\u1ef1 \u0111\u1ed9ng kh\u1edbp<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">T\u0103ng nh\u00e2n s\u1ef1 khi t\u0103ng GD<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">T\u0103ng server, kh\u00f4ng c\u1ea7n th\u00eam ng\u01b0\u1eddi<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Ph\u00ed giao d\u1ecbch<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Ph\u00ed CK li\u00ean ng\u00e2n h\u00e0ng th\u00f4ng th\u01b0\u1eddng<\/td>\n<td style=\"border: 1px solid #ddd; padding: 10px;\">Ph\u00ed API (th\u01b0\u1eddng 1,000-5,000\u0111\/GD t\u00f9y nh\u00e0 cung c\u1ea5p)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>V\u1edbi doanh nghi\u1ec7p x\u1eed l\u00fd d\u01b0\u1edbi 20 giao d\u1ecbch\/ng\u00e0y, payout th\u1ee7 c\u00f4ng v\u1eabn ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c. Nh\u01b0ng t\u1eeb 50 giao d\u1ecbch\/ng\u00e0y tr\u1edf l\u00ean, chi ph\u00ed nh\u00e2n s\u1ef1 v\u00e0 r\u1ee7i ro sai s\u00f3t \u0111\u00e3 v\u01b0\u1ee3t xa ph\u00ed API. Th\u1eddi gian x\u1eed l\u00fd nhanh h\u01a1n c\u0169ng gi\u00fap c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi nh\u1eadn ti\u1ec1n.<\/p>\n<h2>\u1ee8ng d\u1ee5ng payout trong th\u1ef1c t\u1ebf<\/h2>\n<h3>Payout tr\u1ea3 l\u01b0\u01a1ng, th\u01b0\u1edfng t\u1ef1 \u0111\u1ed9ng<\/h3>\n<p>\u0110\u00e2y l\u00e0 \u1ee9ng d\u1ee5ng payout quen thu\u1ed9c nh\u1ea5t. Doanh nghi\u1ec7p l\u1edbn v\u1edbi h\u00e0ng tr\u0103m, h\u00e0ng ngh\u00ecn nh\u00e2n vi\u00ean c\u1ea7n tr\u1ea3 l\u01b0\u01a1ng \u0111\u00fang ng\u00e0y, \u0111\u00fang s\u1ed1. H\u1ec7 th\u1ed1ng HRM t\u00ednh l\u01b0\u01a1ng xong, \u0111\u1ea9y danh s\u00e1ch qua payout API. Ng\u00e2n h\u00e0ng x\u1eed l\u00fd h\u00e0ng lo\u1ea1t trong v\u00e0i ph\u00fat. Nh\u00e2n vi\u00ean nh\u1eadn l\u01b0\u01a1ng c\u00f9ng l\u00fac, kh\u00f4ng ph\u1ea3i ch\u1edd k\u1ebf to\u00e1n chuy\u1ec3n t\u1eebng ng\u01b0\u1eddi.<\/p>\n<p>T\u01b0\u01a1ng t\u1ef1 v\u1edbi th\u01b0\u1edfng KPI, th\u01b0\u1edfng doanh s\u1ed1, th\u01b0\u1edfng d\u1ecbp l\u1ec5 T\u1ebft. Thay v\u00ec k\u1ebf to\u00e1n ng\u1ed3i chuy\u1ec3n kho\u1ea3n c\u1ea3 bu\u1ed5i s\u00e1ng, h\u1ec7 th\u1ed1ng t\u1ef1 x\u1eed l\u00fd.<\/p>\n<h3>Payout ho\u00e0n ti\u1ec1n \u0111\u01a1n h\u00e0ng (refund)<\/h3>\n<p>S\u00e0n th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed, c\u1eeda h\u00e0ng online g\u1eb7p t\u00ecnh hu\u1ed1ng ho\u00e0n ti\u1ec1n h\u00e0ng ng\u00e0y. Kh\u00e1ch tr\u1ea3 h\u00e0ng, \u0111\u01a1n b\u1ecb h\u1ee7y, giao sai s\u1ea3n ph\u1ea9m. N\u1ebfu ho\u00e0n ti\u1ec1n ch\u1eadm, kh\u00e1ch h\u00e0ng m\u1ea5t thi\u1ec7n c\u1ea3m. Payout t\u1ef1 \u0111\u1ed9ng gi\u00fap ho\u00e0n ti\u1ec1n trong v\u00f2ng v\u00e0i gi\u00e2y sau khi duy\u1ec7t. Kh\u00e1ch kh\u00f4ng ph\u1ea3i ch\u1edd 3-7 ng\u00e0y nh\u01b0 tr\u01b0\u1edbc.<\/p>\n<h3>Payout chi hoa h\u1ed3ng affiliate, \u0111\u1ed1i t\u00e1c<\/h3>\n<p>M\u00f4 h\u00ecnh affiliate marketing, referral, \u0111\u1ea1i l\u00fd \u0111\u1ec1u c\u1ea7n chi hoa h\u1ed3ng \u0111\u1ecbnh k\u1ef3. C\u00f3 th\u1ec3 l\u00e0 h\u00e0ng tr\u0103m, h\u00e0ng ngh\u00ecn \u0111\u1ed1i t\u00e1c v\u1edbi s\u1ed1 ti\u1ec1n kh\u00e1c nhau. Payout API gi\u00fap t\u00ednh to\u00e1n v\u00e0 chi tr\u1ea3 t\u1ef1 \u0111\u1ed9ng theo chu k\u1ef3 (tu\u1ea7n, th\u00e1ng). H\u1ec7 th\u1ed1ng g\u1eedi th\u00f4ng b\u00e1o cho \u0111\u1ed1i t\u00e1c v\u00e0 l\u01b0u l\u1ea1i to\u00e0n b\u1ed9 l\u1ecbch s\u1eed giao d\u1ecbch.<\/p>\n<h3>Payout gi\u1ea3i ng\u00e2n cho vay<\/h3>\n<p>C\u00e1c c\u00f4ng ty t\u00e0i ch\u00ednh, \u1ee9ng d\u1ee5ng cho vay online c\u1ea7n gi\u1ea3i ng\u00e2n nhanh sau khi duy\u1ec7t h\u1ed3 s\u01a1. Kh\u00e1ch h\u00e0ng mong nh\u1eadn ti\u1ec1n trong v\u00f2ng v\u00e0i ph\u00fat, kh\u00f4ng ph\u1ea3i ch\u1edd \u0111\u1ebfn ng\u00e0y h\u00f4m sau. Payout API 24\/7 gi\u00fap gi\u1ea3i ng\u00e2n realtime, t\u0103ng tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng. Theo quy \u0111\u1ecbnh c\u1ee7a <a href=\"https:\/\/www.sbv.gov.vn\" target=\"_blank\" rel=\"noopener\">Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc Vi\u1ec7t Nam<\/a>, c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng c\u1ea7n \u0111\u1ea3m b\u1ea3o quy tr\u00ecnh gi\u1ea3i ng\u00e2n minh b\u1ea1ch v\u00e0 tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt.<\/p>\n<h2>C\u00e1ch ch\u1ecdn gi\u1ea3i ph\u00e1p payout ph\u00f9 h\u1ee3p<\/h2>\n<h3>5 ti\u00eau ch\u00ed \u0111\u00e1nh gi\u00e1 nh\u00e0 cung c\u1ea5p payout<\/h3>\n<p>Khi t\u00ecm hi\u1ec3u payout l\u00e0 g\u00ec v\u00e0 ch\u1ecdn gi\u1ea3i ph\u00e1p cho doanh nghi\u1ec7p, c\u1ea7n xem x\u00e9t k\u1ef9 c\u00e1c y\u1ebfu t\u1ed1 sau:<\/p>\n<p><strong>1. Ph\u1ea1m vi ng\u00e2n h\u00e0ng h\u1ed7 tr\u1ee3:<\/strong> nh\u00e0 cung c\u1ea5p k\u1ebft n\u1ed1i \u0111\u01b0\u1ee3c bao nhi\u00eau ng\u00e2n h\u00e0ng? Ng\u01b0\u1eddi nh\u1eadn ti\u1ec1n d\u00f9ng ng\u00e2n h\u00e0ng n\u00e0o c\u0169ng chuy\u1ec3n \u0111\u01b0\u1ee3c kh\u00f4ng? \u1ede Vi\u1ec7t Nam, c\u1ea7n h\u1ed7 tr\u1ee3 \u00edt nh\u1ea5t c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn: Vietcombank, BIDV, VietinBank, MB Bank, Techcombank, ACB, VPBank, Sacombank.<\/p>\n<p><strong>2. T\u1ed1c \u0111\u1ed9 x\u1eed l\u00fd:<\/strong> chuy\u1ec3n ti\u1ec1n li\u00ean ng\u00e2n h\u00e0ng m\u1ea5t bao l\u00e2u? C\u00f3 h\u1ed7 tr\u1ee3 chuy\u1ec3n ti\u1ec1n 24\/7 qua h\u1ec7 th\u1ed1ng NAPAS kh\u00f4ng? Payout realtime hay ph\u1ea3i ch\u1edd batch x\u1eed l\u00fd?<\/p>\n<p><strong>3. B\u1ea3o m\u1eadt v\u00e0 tu\u00e2n th\u1ee7:<\/strong> nh\u00e0 cung c\u1ea5p c\u00f3 gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng h\u1ee3p l\u1ec7 kh\u00f4ng? \u0110\u1ea1t ch\u1ee9ng nh\u1eadn b\u1ea3o m\u1eadt n\u00e0o (ISO 27001, PCI DSS)? D\u1eef li\u1ec7u giao d\u1ecbch \u0111\u01b0\u1ee3c m\u00e3 h\u00f3a, l\u01b0u tr\u1eef th\u1ebf n\u00e0o?<\/p>\n<p><strong>4. Ph\u00ed d\u1ecbch v\u1ee5:<\/strong> t\u00ednh theo giao d\u1ecbch hay g\u00f3i c\u1ed1 \u0111\u1ecbnh? C\u00f3 ph\u00ed \u1ea9n kh\u00f4ng (ph\u00ed setup, ph\u00ed duy tr\u00ec h\u00e0ng th\u00e1ng, ph\u00ed t\u1ed1i thi\u1ec3u)? So s\u00e1nh v\u1edbi chi ph\u00ed nh\u00e2n s\u1ef1 l\u00e0m th\u1ee7 c\u00f4ng \u0111\u1ec3 t\u00ednh ROI.<\/p>\n<p><strong>5. Kh\u1ea3 n\u0103ng t\u00edch h\u1ee3p:<\/strong> c\u00f3 API documentation r\u00f5 r\u00e0ng kh\u00f4ng? H\u1ed7 tr\u1ee3 sandbox \u0111\u1ec3 test tr\u01b0\u1edbc khi go-live? Th\u1eddi gian t\u00edch h\u1ee3p bao l\u00e2u? C\u00f3 SDK cho c\u00e1c ng\u00f4n ng\u1eef l\u1eadp tr\u00ecnh ph\u1ed5 bi\u1ebfn kh\u00f4ng?<\/p>\n<h3>Payout v\u00e0 thu h\u1ed9: hai m\u1eb7t c\u1ee7a d\u00f2ng ti\u1ec1n<\/h3>\n<p>Payout (chi h\u1ed9) v\u00e0 pay-in (thu h\u1ed9) l\u00e0 hai chi\u1ec1u ng\u01b0\u1ee3c nhau c\u1ee7a c\u00f9ng m\u1ed9t d\u00f2ng ti\u1ec1n. Doanh nghi\u1ec7p c\u1ea7n qu\u1ea3n l\u00fd t\u1ed1t c\u1ea3 hai \u0111\u1ec3 v\u1eadn h\u00e0nh tr\u01a1n tru. Thu ti\u1ec1n v\u00e0o nhanh th\u00ec m\u1edbi c\u00f3 ti\u1ec1n \u0111\u1ec3 chi ra. Chi ti\u1ec1n ra ch\u00ednh x\u00e1c th\u00ec m\u1edbi gi\u1eef \u0111\u01b0\u1ee3c \u0111\u1ed1i t\u00e1c, nh\u00e2n vi\u00ean, kh\u00e1ch h\u00e0ng.<\/p>\n<p>\u1ede chi\u1ec1u thu h\u1ed9 (pay-in), n\u1ebfu b\u1ea1n \u0111ang t\u00ecm gi\u1ea3i ph\u00e1p nh\u1eadn thanh to\u00e1n t\u1ef1 \u0111\u1ed9ng, <strong>SePay<\/strong> l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn \u0111\u00e1ng c\u00e2n nh\u1eafc. SePay k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp v\u1edbi h\u01a1n 30 ng\u00e2n h\u00e0ng qua API. Doanh nghi\u1ec7p nh\u1eadn ti\u1ec1n v\u00e0 x\u00e1c nh\u1eadn giao d\u1ecbch t\u1ef1 \u0111\u1ed9ng, realtime. Ti\u1ec1n v\u00e0o th\u1eb3ng t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng c\u1ee7a b\u1ea1n, kh\u00f4ng qua v\u00ed trung gian n\u00e0o.<\/p>\n<p>SePay h\u1ed7 tr\u1ee3 <a href=\"https:\/\/sepay.vn\/blog\/tai-khoan-ngan-hang-ao-la-gi-phan-loai-va-ung-dung\/\">t\u00e0i kho\u1ea3n \u1ea3o (virtual account)<\/a> \u0111\u1ec3 \u0111\u1ecbnh danh t\u1eebng giao d\u1ecbch t\u1ef1 \u0111\u1ed9ng, <a href=\"https:\/\/sepay.vn\/blog\/tich-hop-webhook-ban-giao-dich-ngan-hang-qua-ung-dung-thu-3\/\">webhook ng\u00e2n h\u00e0ng<\/a> th\u00f4ng b\u00e1o giao d\u1ecbch realtime v\u1ec1 server, v\u00e0 \u0111\u1ea1t ch\u1ee9ng nh\u1eadn ISO 27001:2022. G\u00f3i mi\u1ec5n ph\u00ed cho 50 giao d\u1ecbch\/th\u00e1ng, ph\u00f9 h\u1ee3p \u0111\u1ec3 doanh nghi\u1ec7p nh\u1ecf b\u1eaft \u0111\u1ea7u.<\/p>\n<p>Khi doanh nghi\u1ec7p \u0111\u00e3 c\u00f3 gi\u1ea3i ph\u00e1p thu h\u1ed9 t\u1ed1t, b\u01b0\u1edbc ti\u1ebfp theo l\u00e0 t\u1ed1i \u01b0u lu\u1ed3ng payout. K\u1ebft h\u1ee3p c\u1ea3 hai, d\u00f2ng ti\u1ec1n v\u1eadn h\u00e0nh s\u1ebd m\u01b0\u1ee3t m\u00e0 h\u01a1n nhi\u1ec1u. T\u00ecm hi\u1ec3u th\u00eam v\u1ec1 c\u00e1ch SePay h\u1ed7 tr\u1ee3 thu h\u1ed9 t\u1ea1i <a href=\"https:\/\/sepay.vn\/blog\/thu-ho-la-gi\/\">thu h\u1ed9 l\u00e0 g\u00ec<\/a> ho\u1eb7c xem <a href=\"https:\/\/sepay.vn\/api-ngan-hang.html\">API ng\u00e2n h\u00e0ng<\/a> ho\u1ea1t \u0111\u1ed9ng ra sao.<\/p>\n<h2>FAQ: C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p v\u1ec1 payout<\/h2>\n<h3>Payout l\u00e0 g\u00ec trong fintech?<\/h3>\n<p>Payout trong fintech l\u00e0 d\u1ecbch v\u1ee5 chuy\u1ec3n ti\u1ec1n t\u1ef1 \u0111\u1ed9ng t\u1eeb doanh nghi\u1ec7p \u0111\u1ebfn ng\u01b0\u1eddi nh\u1eadn qua API. Doanh nghi\u1ec7p t\u00edch h\u1ee3p payout API v\u00e0o h\u1ec7 th\u1ed1ng. H\u1ec7 th\u1ed1ng g\u1eedi l\u1ec7nh chuy\u1ec3n ti\u1ec1n t\u1ef1 \u0111\u1ed9ng m\u00e0 kh\u00f4ng c\u1ea7n thao t\u00e1c th\u1ee7 c\u00f4ng tr\u00ean internet banking.<\/p>\n<h3>Chi h\u1ed9 l\u00e0 g\u00ec? Kh\u00e1c g\u00ec payout?<\/h3>\n<p>Chi h\u1ed9 v\u00e0 payout v\u1ec1 b\u1ea3n ch\u1ea5t l\u00e0 m\u1ed9t. Chi h\u1ed9 l\u00e0 c\u00e1ch g\u1ecdi trong ti\u1ebfng Vi\u1ec7t, ph\u1ed5 bi\u1ebfn trong ng\u00e0nh ng\u00e2n h\u00e0ng v\u00e0 k\u1ebf to\u00e1n. Payout l\u00e0 thu\u1eadt ng\u1eef ti\u1ebfng Anh, ph\u1ed5 bi\u1ebfn trong fintech. C\u1ea3 hai \u0111\u1ec1u ch\u1ec9 vi\u1ec7c chuy\u1ec3n ti\u1ec1n t\u1eeb doanh nghi\u1ec7p\/t\u1ed5 ch\u1ee9c \u0111\u1ebfn ng\u01b0\u1eddi nh\u1eadn.<\/p>\n<h3>Thu h\u1ed9 chi h\u1ed9 c\u00f3 ph\u1ea3i xu\u1ea5t h\u00f3a \u0111\u01a1n kh\u00f4ng?<\/h3>\n<p>Ph\u1ea7n ti\u1ec1n thu h\u1ed9 chi h\u1ed9 (ti\u1ec1n g\u1ed1c) kh\u00f4ng ph\u1ea3i xu\u1ea5t h\u00f3a \u0111\u01a1n GTGT v\u00ec kh\u00f4ng ph\u1ea3i doanh thu. Ch\u1ec9 ph\u1ea7n ph\u00ed d\u1ecbch v\u1ee5 thu h\u1ed9 chi h\u1ed9 m\u1edbi c\u1ea7n xu\u1ea5t h\u00f3a \u0111\u01a1n. Doanh nghi\u1ec7p c\u1ea7n l\u01b0u \u0111\u1ea7y \u0111\u1ee7 h\u1ee3p \u0111\u1ed3ng \u1ee7y nhi\u1ec7m v\u00e0 ch\u1ee9ng t\u1eeb g\u1ed1c.<\/p>\n<h3>H\u1ea1ch to\u00e1n thu h\u1ed9 chi h\u1ed9 d\u00f9ng t\u00e0i kho\u1ea3n n\u00e0o?<\/h3>\n<p>Kho\u1ea3n thu h\u1ed9 chi h\u1ed9 h\u1ea1ch to\u00e1n qua TK 338 (Ph\u1ea3i tr\u1ea3, ph\u1ea3i n\u1ed9p kh\u00e1c). Khi nh\u1eadn ti\u1ec1n: N\u1ee3 TK 112, C\u00f3 TK 338. Khi chi h\u1ed9: N\u1ee3 TK 338, C\u00f3 TK 112. Ph\u00ed d\u1ecbch v\u1ee5 ghi nh\u1eadn C\u00f3 TK 511.<\/p>\n<h3>Doanh nghi\u1ec7p nh\u1ecf c\u00f3 c\u1ea7n payout API kh\u00f4ng?<\/h3>\n<p>N\u1ebfu doanh nghi\u1ec7p x\u1eed l\u00fd d\u01b0\u1edbi 20 giao d\u1ecbch chi\/ng\u00e0y, payout th\u1ee7 c\u00f4ng v\u1eabn \u1ed5n. T\u1eeb 50 giao d\u1ecbch\/ng\u00e0y tr\u1edf l\u00ean, n\u00ean c\u00e2n nh\u1eafc payout API. Gi\u1ea3i ph\u00e1p n\u00e0y gi\u00fap gi\u1ea3m sai s\u00f3t, ti\u1ebft ki\u1ec7m th\u1eddi gian v\u00e0 nh\u00e2n s\u1ef1.<\/p>\n<h3>Payout ratio l\u00e0 g\u00ec?<\/h3>\n<p>Payout ratio (t\u1ef7 l\u1ec7 chi tr\u1ea3) l\u00e0 kh\u00e1i ni\u1ec7m trong t\u00e0i ch\u00ednh. N\u00f3 ch\u1ec9 t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m l\u1ee3i nhu\u1eadn m\u00e0 c\u00f4ng ty d\u00f9ng \u0111\u1ec3 tr\u1ea3 c\u1ed5 t\u1ee9c cho c\u1ed5 \u0111\u00f4ng. Kh\u00e1i ni\u1ec7m n\u00e0y kh\u00e1c v\u1edbi payout trong thanh to\u00e1n\/fintech m\u00e0 b\u00e0i vi\u1ebft \u0111ang n\u00f3i \u0111\u1ebfn.<\/p>\n<p>N\u1ebfu b\u1ea1n c\u1ea7n t\u01b0 v\u1ea5n v\u1ec1 gi\u1ea3i ph\u00e1p thu h\u1ed9 t\u1ef1 \u0111\u1ed9ng cho doanh nghi\u1ec7p, li\u00ean h\u1ec7 SePay:<\/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<\/ul>\n<p>Ch\u00fac b\u1ea1n th\u00e0nh c\u00f4ng.<\/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;3668&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;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&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;0\\\/5 - (0 votes)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Payout l\u00e0 g\u00ec? Chi h\u1ed9 l\u00e0 g\u00ec? Ph\u00e2n bi\u1ec7t v\u00e0 \u1ee9ng d\u1ee5ng&quot;,&quot;width&quot;:&quot;0&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: 0px;\">\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            <span class=\"kksr-muted\">Rate this post<\/span>\n    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Payout l\u00e0 g\u00ec? Hi\u1ec3u \u0111\u01a1n gi\u1ea3n, payout l\u00e0 qu\u00e1 tr\u00ecnh doanh nghi\u1ec7p chuy\u1ec3n ti\u1ec1n ra cho \u0111\u1ed1i t\u00e1c, nh\u00e2n vi\u00ean ho\u1eb7c kh\u00e1ch h\u00e0ng. Trong ti\u1ebfng Vi\u1ec7t, thu\u1eadt ng\u1eef t\u01b0\u01a1ng \u0111\u01b0\u01a1ng l\u00e0 chi h\u1ed9. N\u1ebfu b\u1ea1n \u0111ang v\u1eadn h\u00e0nh s\u00e0n th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed, app t\u00e0i ch\u00ednh, hay b\u1ea5t k\u1ef3 m\u00f4 h\u00ecnh n\u00e0o c\u1ea7n chi ti\u1ec1n [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3670,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[52],"tags":[],"class_list":["post-3668","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>Payout l\u00e0 g\u00ec? Chi h\u1ed9 l\u00e0 g\u00ec? Ph\u00e2n bi\u1ec7t v\u00e0 \u1ee9ng d\u1ee5ng - SePay Blog<\/title>\n<meta name=\"description\" content=\"Payout l\u00e0 g\u00ec? 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