{"id":3686,"date":"2026-03-19T16:15:38","date_gmt":"2026-03-19T09:15:38","guid":{"rendered":"https:\/\/sepay.vn\/blog\/?p=3686"},"modified":"2026-03-19T16:15:38","modified_gmt":"2026-03-19T09:15:38","slug":"thanh-toan-truc-tuyen","status":"publish","type":"post","link":"https:\/\/sepay.vn\/blog\/thanh-toan-truc-tuyen\/","title":{"rendered":"Thanh to\u00e1n tr\u1ef1c tuy\u1ebfn &#8211; 5 ph\u01b0\u01a1ng th\u1ee9c v\u00e0 c\u00e1ch ch\u1ecdn ph\u00f9 h\u1ee3p"},"content":{"rendered":"<p><!-- PROMPT \u1ea2NH FEATURED IMAGE: T\u1ea1o \u1ea3nh minh h\u1ecda cho b\u00e0i vi\u1ebft blog v\u1ec1 thanh to\u00e1n tr\u1ef1c tuy\u1ebfn. N\u1ed9i dung \u1ea3nh: M\u1ed9t m\u00e0n h\u00ecnh laptop hi\u1ec3n th\u1ecb trang thanh to\u00e1n website v\u1edbi m\u00e3 QR VietQR \u1edf gi\u1eefa. Xung quanh laptop c\u00f3 c\u00e1c icon ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n: th\u1ebb Visa, Mastercard, logo SePay, v\u00e0 v\u00ed \u0111i\u1ec7n t\u1eed. Ph\u00eda d\u01b0\u1edbi laptop c\u00f3 logo c\u00e1c ng\u00e2n h\u00e0ng Vi\u1ec7t Nam. Ph\u00eda tr\u00ean c\u00f3 d\u00f2ng ch\u1eef l\u1edbn bold \"THANH TO\u00c1N TR\u1ef0C TUY\u1ebeN\" v\u00e0 d\u00f2ng nh\u1ecf b\u00ean d\u01b0\u1edbi \"5 ph\u01b0\u01a1ng th\u1ee9c v\u00e0 c\u00e1ch ch\u1ecdn ph\u00f9 h\u1ee3p\". Style: Clean, professional, fintech, t\u00f4ng m\u00e0u xanh d\u01b0\u01a1ng nh\u1ea1t v\u00e0 tr\u1eafng. N\u1ec1n s\u00e1ng, hi\u1ec7n \u0111\u1ea1i. K\u00edch th\u01b0\u1edbc: 1376x768 pixel, landscape. --><\/p>\n<p>Thanh to\u00e1n tr\u1ef1c tuy\u1ebfn l\u00e0 h\u00ecnh th\u1ee9c thanh to\u00e1n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n qua internet. Ng\u01b0\u1eddi mua tr\u1ea3 ti\u1ec1n cho s\u1ea3n ph\u1ea9m ho\u1eb7c d\u1ecbch v\u1ee5 m\u00e0 kh\u00f4ng c\u1ea7n d\u00f9ng ti\u1ec1n m\u1eb7t. Ch\u1ec9 c\u1ea7n \u0111i\u1ec7n tho\u1ea1i ho\u1eb7c m\u00e1y t\u00ednh c\u00f3 k\u1ebft n\u1ed1i m\u1ea1ng l\u00e0 ho\u00e0n t\u1ea5t giao d\u1ecbch.<\/p>\n<p>B\u00e0i vi\u1ebft n\u00e0y gi\u1ea3i th\u00edch c\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n tr\u1ef1c tuy\u1ebfn ph\u1ed5 bi\u1ebfn t\u1ea1i Vi\u1ec7t Nam. B\u1ea1n s\u1ebd th\u1ea5y b\u1ea3ng so s\u00e1nh t\u1eebng ph\u01b0\u01a1ng th\u1ee9c v\u00e0 h\u01b0\u1edbng d\u1eabn t\u00edch h\u1ee3p v\u00e0o website \u1edf d\u01b0\u1edbi nh\u00e9.<\/p>\n<p><!-- PROMPT \u1ea2NH BODY --><\/p>\n<p><img decoding=\"async\" src=\"https:\/\/pub-261c9d8e09d540f3b2f0630a58567fdf.r2.dev\/blog-images\/thanh-toan-truc-tuyen-quy-trinh-v2-20260318-140314.jpg\" alt=\"thanh to\u00e1n tr\u1ef1c tuy\u1ebfn qua \u0111i\u1ec7n tho\u1ea1i v\u00e0 website\" \/><\/p>\n<p><em>Minh h\u1ecda quy tr\u00ecnh thanh to\u00e1n tr\u1ef1c tuy\u1ebfn: kh\u00e1ch qu\u00e9t m\u00e3 QR tr\u00ean app ng\u00e2n h\u00e0ng, website t\u1ef1 x\u00e1c nh\u1eadn<\/em><\/p>\n<h2>Thanh to\u00e1n tr\u1ef1c tuy\u1ebfn ho\u1ea1t \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n<p>Khi b\u1ea1n mua h\u00e0ng tr\u00ean m\u1ed9t website, quy tr\u00ecnh thanh to\u00e1n tr\u1ef1c tuy\u1ebfn di\u1ec5n ra qua 4 b\u01b0\u1edbc:<\/p>\n<p><strong>B\u01b0\u1edbc 1:<\/strong> Kh\u00e1ch h\u00e0ng ch\u1ecdn s\u1ea3n ph\u1ea9m, v\u00e0o trang thanh to\u00e1n. Website hi\u1ec3n th\u1ecb c\u00e1c ph\u01b0\u01a1ng th\u1ee9c: qu\u00e9t QR, chuy\u1ec3n kho\u1ea3n, th\u1ebb Visa\/Mastercard.<\/p>\n<p><strong>B\u01b0\u1edbc 2:<\/strong> Kh\u00e1ch th\u1ef1c hi\u1ec7n thanh to\u00e1n. V\u00ed d\u1ee5 qu\u00e9t m\u00e3 QR b\u1eb1ng app ng\u00e2n h\u00e0ng.<\/p>\n<p><strong>B\u01b0\u1edbc 3:<\/strong> H\u1ec7 th\u1ed1ng c\u1ed5ng thanh to\u00e1n nh\u1eadn th\u00f4ng tin giao d\u1ecbch t\u1eeb ng\u00e2n h\u00e0ng, \u0111\u1ed1i chi\u1ebfu v\u1edbi \u0111\u01a1n h\u00e0ng.<\/p>\n<p><strong>B\u01b0\u1edbc 4:<\/strong> X\u00e1c nh\u1eadn giao d\u1ecbch th\u00e0nh c\u00f4ng, website c\u1eadp nh\u1eadt tr\u1ea1ng th\u00e1i \u0111\u01a1n h\u00e0ng t\u1ef1 \u0111\u1ed9ng. To\u00e0n b\u1ed9 qu\u00e1 tr\u00ecnh ch\u1ec9 m\u1ea5t v\u00e0i gi\u00e2y.<\/p>\n<p>Tr\u01b0\u1edbc khi c\u00f3 h\u1ec7 th\u1ed1ng thanh to\u00e1n tr\u1ef1c tuy\u1ebfn t\u1ef1 \u0111\u1ed9ng, k\u1ebf to\u00e1n c\u1ee7a ng\u01b0\u1eddi b\u00e1n h\u00e0ng ph\u1ea3i ng\u1ed3i xem internet banking, ki\u1ec3m tra t\u1eebng kho\u1ea3n ti\u1ec1n v\u00e0o r\u1ed3i x\u00e1c nh\u1eadn th\u1ee7 c\u00f4ng cho kh\u00e1ch. Sai s\u00f3t x\u1ea3y ra th\u01b0\u1eddng xuy\u00ean, nh\u1ea5t l\u00e0 l\u00fac \u0111\u00f4ng \u0111\u01a1n.<\/p>\n<h2>C\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n tr\u1ef1c tuy\u1ebfn ph\u1ed5 bi\u1ebfn t\u1ea1i Vi\u1ec7t Nam<\/h2>\n<p>Th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam hi\u1ec7n c\u00f3 5 h\u00ecnh th\u1ee9c ch\u00ednh. M\u1ed7i h\u00ecnh th\u1ee9c ph\u00f9 h\u1ee3p v\u1edbi m\u1ed9t nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng v\u00e0 m\u00f4 h\u00ecnh kinh doanh kh\u00e1c nhau.<\/p>\n<h3>1) Chuy\u1ec3n kho\u1ea3n ng\u00e2n h\u00e0ng qua m\u00e3 QR (VietQR)<\/h3>\n<p>\u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c ph\u00e1t tri\u1ec3n nhanh nh\u1ea5t t\u1ea1i Vi\u1ec7t Nam trong 2 n\u0103m g\u1ea7n \u0111\u00e2y. Kh\u00e1ch m\u1edf app ng\u00e2n h\u00e0ng, qu\u00e9t m\u00e3 QR do ng\u01b0\u1eddi b\u00e1n t\u1ea1o s\u1eb5n. Th\u00f4ng tin chuy\u1ec3n kho\u1ea3n \u0111\u01b0\u1ee3c \u0111i\u1ec1n t\u1ef1 \u0111\u1ed9ng: ng\u00e2n h\u00e0ng, s\u1ed1 t\u00e0i kho\u1ea3n, s\u1ed1 ti\u1ec1n, n\u1ed9i dung. Kh\u00e1ch ch\u1ec9 c\u1ea7n b\u1ea5m x\u00e1c nh\u1eadn.<\/p>\n<p>VietQR l\u00e0 chu\u1ea9n QR chung do NAPAS ph\u00e1t tri\u1ec3n, \u0111\u01b0\u1ee3c h\u1ea7u h\u1ebft ng\u00e2n h\u00e0ng t\u1ea1i Vi\u1ec7t Nam h\u1ed7 tr\u1ee3. \u01afu \u0111i\u1ec3m l\u1edbn nh\u1ea5t: ti\u1ec1n v\u1ec1 t\u00e0i kho\u1ea3n ng\u01b0\u1eddi b\u00e1n ngay l\u1eadp t\u1ee9c, ph\u00ed r\u1ea5t th\u1ea5p ho\u1eb7c mi\u1ec5n ph\u00ed.<\/p>\n<h3>2) Th\u1ebb t\u00edn d\u1ee5ng v\u00e0 th\u1ebb ghi n\u1ee3 qu\u1ed1c t\u1ebf<\/h3>\n<p>Thanh to\u00e1n b\u1eb1ng th\u1ebb Visa, Mastercard, JCB ph\u1ed5 bi\u1ebfn cho giao d\u1ecbch qu\u1ed1c t\u1ebf. Kh\u00e1ch nh\u1eadp s\u1ed1 th\u1ebb, ng\u00e0y h\u1ebft h\u1ea1n, m\u00e3 CVV tr\u00ean trang thanh to\u00e1n. Ng\u00e2n h\u00e0ng x\u00e1c th\u1ef1c qua m\u00e3 OTP ho\u1eb7c sinh tr\u1eafc h\u1ecdc.<\/p>\n<p>Ph\u01b0\u01a1ng th\u1ee9c n\u00e0y ph\u00f9 h\u1ee3p khi b\u1ea1n c\u00f3 kh\u00e1ch n\u01b0\u1edbc ngo\u00e0i ho\u1eb7c b\u00e1n d\u1ecbch v\u1ee5 s\u1ed1 (SaaS, kh\u00f3a h\u1ecdc online). Ph\u00ed giao d\u1ecbch t\u1eeb 2% \u0111\u1ebfn 3.5%.<\/p>\n<h3>3) V\u00ed \u0111i\u1ec7n t\u1eed<\/h3>\n<p>MoMo, ZaloPay, ViettelMoney l\u00e0 c\u00e1c v\u00ed \u0111i\u1ec7n t\u1eed ph\u1ed5 bi\u1ebfn. Kh\u00e1ch n\u1ea1p ti\u1ec1n s\u1eb5n trong v\u00ed ho\u1eb7c li\u00ean k\u1ebft t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng. Khi thanh to\u00e1n ch\u1ec9 c\u1ea7n v\u00e0i thao t\u00e1c tr\u00ean app.<\/p>\n<p>V\u00ed \u0111i\u1ec7n t\u1eed m\u1ea1nh \u1edf m\u1ea3ng b\u00e1n l\u1ebb B2C, nh\u1ea5t l\u00e0 \u0111\u01a1n h\u00e0ng gi\u00e1 tr\u1ecb nh\u1ecf. Ph\u00ed cho merchant th\u01b0\u1eddng t\u1eeb 1% \u0111\u1ebfn 1.5%.<\/p>\n<h3>4) C\u1ed5ng thanh to\u00e1n trung gian<\/h3>\n<p>C\u00e1c c\u1ed5ng nh\u01b0 VNPay, OnePay, B\u1ea3o Kim, 9Pay \u0111\u00f3ng vai tr\u00f2 trung gian gi\u1eefa ng\u01b0\u1eddi mua, ng\u01b0\u1eddi b\u00e1n v\u00e0 ng\u00e2n h\u00e0ng. C\u1ed5ng x\u1eed l\u00fd giao d\u1ecbch, sau \u0111\u00f3 chuy\u1ec3n ti\u1ec1n v\u1ec1 t\u00e0i kho\u1ea3n c\u1ee7a ng\u01b0\u1eddi b\u00e1n (merchant). Th\u1eddi gian ch\u1edd t\u1eeb T+1 \u0111\u1ebfn T+7 (ngh\u0129a l\u00e0 1 \u0111\u1ebfn 7 ng\u00e0y l\u00e0m vi\u1ec7c).<\/p>\n<p>\u01afu \u0111i\u1ec3m: h\u1ed7 tr\u1ee3 nhi\u1ec1u ph\u01b0\u01a1ng th\u1ee9c c\u00f9ng l\u00fac (th\u1ebb, QR, v\u00ed, chuy\u1ec3n kho\u1ea3n). Nh\u01b0\u1ee3c \u0111i\u1ec3m: ph\u00ed theo ph\u1ea7n tr\u0103m (1% \u0111\u1ebfn 3%), ti\u1ec1n kh\u00f4ng v\u1ec1 ngay, th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd ph\u1ee9c t\u1ea1p v\u00e0 t\u1ed1n th\u1eddi gian.<\/p>\n<h3>Thanh to\u00e1n tr\u1ef1c tuy\u1ebfn qua Open Banking API<\/h3>\n<p>\u0110\u00e2y l\u00e0 m\u00f4 h\u00ecnh m\u1edbi, \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 Open Banking. 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. H\u1ec7 th\u1ed1ng API ng\u00e2n h\u00e0ng t\u1ef1 \u0111\u1ed9ng x\u00e1c nh\u1eadn giao d\u1ecbch realtime. SePay l\u00e0 \u0111\u01a1n v\u1ecb ti\u00ean phong trong tri\u1ec3n khai thanh to\u00e1n v\u1edbi Open Banking.<\/p>\n<p>Ph\u00ed th\u1ea5p nh\u1ea5t (c\u1ed1 \u0111\u1ecbnh v\u00e0i tr\u0103m \u0111\u1ed3ng\/giao d\u1ecbch thay v\u00ec t\u00ednh ph\u1ea7n tr\u0103m). Ti\u1ec1n v\u1ec1 t\u1ee9c th\u00ec. Ph\u00f9 h\u1ee3p cho doanh nghi\u1ec7p c\u00f3 s\u1ed1 l\u01b0\u1ee3ng giao d\u1ecbch l\u1edbn.<\/p>\n<h2>So s\u00e1nh c\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n tr\u1ef1c tuy\u1ebfn<\/h2>\n<p>B\u1ea3ng d\u01b0\u1edbi \u0111\u00e2y so s\u00e1nh 5 ph\u01b0\u01a1ng th\u1ee9c t\u1eeb g\u00f3c nh\u00ecn doanh nghi\u1ec7p, d\u1ef1a tr\u00ean ph\u00ed, t\u1ed1c \u0111\u1ed9 nh\u1eadn ti\u1ec1n v\u00e0 m\u1ee9c \u0111\u1ed9 d\u1ec5 t\u00edch h\u1ee3p.<\/p>\n<p><!-- PROMPT \u1ea2NH SO S\u00c1NH --><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-v3.jpg\" alt=\"so s\u00e1nh ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n tr\u1ef1c tuy\u1ebfn t\u1ea1i Vi\u1ec7t Nam\" width=\"1376\" height=\"768\" class=\"alignnone size-full wp-image-3697\" srcset=\"https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-v3.jpg 1376w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-v3-300x167.jpg 300w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-v3-1024x572.jpg 1024w, https:\/\/sepay.vn\/blog\/wp-content\/uploads\/2026\/03\/so-sanh-v3-768x429.jpg 768w\" sizes=\"auto, (max-width: 1376px) 100vw, 1376px\" \/><\/p>\n<p><em>Infographic so s\u00e1nh 5 ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n tr\u1ef1c tuy\u1ebfn ph\u1ed5 bi\u1ebfn<\/em><\/p>\n<table style=\"width: 100%; border-collapse: collapse; border: 1px solid #ddd;\">\n<thead>\n<tr style=\"background-color: #1a73e8; color: #fff;\">\n<th style=\"padding: 10px; border: 1px solid #ddd; text-align: left;\">Ph\u01b0\u01a1ng th\u1ee9c<\/th>\n<th style=\"padding: 10px; border: 1px solid #ddd; text-align: left;\">Ph\u00ed giao d\u1ecbch<\/th>\n<th style=\"padding: 10px; border: 1px solid #ddd; text-align: left;\">T\u1ed1c \u0111\u1ed9 nh\u1eadn ti\u1ec1n<\/th>\n<th style=\"padding: 10px; border: 1px solid #ddd; text-align: left;\">\u0110\u1ed1i t\u01b0\u1ee3ng ph\u00f9 h\u1ee3p<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #ddd;\"><strong>QR chuy\u1ec3n kho\u1ea3n (VietQR) qua Open Banking<\/strong><\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">200\u0111 \u2013 500\u0111\/giao d\u1ecbch<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">T\u1ee9c th\u00ec<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">M\u1ecdi doanh nghi\u1ec7p, c\u00e1 nh\u00e2n kinh doanh<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9;\">\n<td style=\"padding: 10px; border: 1px solid #ddd;\">Th\u1ebb qu\u1ed1c t\u1ebf (Visa, Mastercard)<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">2% \u2013 3.5%<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">T+1 \u0111\u1ebfn T+3<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">Doanh nghi\u1ec7p c\u00f3 kh\u00e1ch qu\u1ed1c t\u1ebf, b\u00e1n d\u1ecbch v\u1ee5 s\u1ed1<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">V\u00ed \u0111i\u1ec7n t\u1eed (MoMo, ZaloPay)<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">1% \u2013 1.5%<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">T+1 \u0111\u1ebfn T+3<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">B\u00e1n l\u1ebb B2C, \u0111\u01a1n h\u00e0ng gi\u00e1 tr\u1ecb nh\u1ecf<\/td>\n<\/tr>\n<tr style=\"background-color: #f9f9f9;\">\n<td style=\"padding: 10px; border: 1px solid #ddd;\">C\u1ed5ng thanh to\u00e1n trung gian (VNPay, OnePay)<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">1% \u2013 3%<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">T+1 \u0111\u1ebfn T+7<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">Doanh nghi\u1ec7p c\u1ea7n nhi\u1ec1u ph\u01b0\u01a1ng th\u1ee9c<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">QR VietQRPay (c\u1ed5ng NAPAS)<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">0.3%<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">T\u1ee9c th\u00ec<\/td>\n<td style=\"padding: 10px; border: 1px solid #ddd;\">Doanh nghi\u1ec7p mu\u1ed1n ph\u00ed th\u1ea5p, nh\u1eadn ti\u1ec1n nhanh<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>V\u00ed d\u1ee5 \u0111\u01a1n h\u00e0ng 1 tri\u1ec7u \u0111\u1ed3ng: ph\u00ed qua c\u1ed5ng trung gian (1.5%) l\u00e0 15,000\u0111, ph\u00ed qua QR chuy\u1ec3n kho\u1ea3n ch\u1ec9 200\u0111 \u0111\u1ebfn 500\u0111. Ch\u00eanh l\u1ec7ch t\u00edch l\u0169y nhanh khi x\u1eed l\u00fd h\u00e0ng tr\u0103m giao d\u1ecbch m\u1ed7i th\u00e1ng.<\/p>\n<h2>\u01afu \u0111i\u1ec3m v\u00e0 r\u1ee7i ro c\u1ea7n bi\u1ebft<\/h2>\n<h3>\u01afu \u0111i\u1ec3m cho doanh nghi\u1ec7p<\/h3>\n<p>Thanh to\u00e1n tr\u1ef1c tuy\u1ebfn gi\u00fap doanh nghi\u1ec7p nh\u1eadn ti\u1ec1n nhanh, gi\u1ea3m sai s\u00f3t. \u0110\u01a1n h\u00e0ng x\u00e1c nh\u1eadn t\u1ef1 \u0111\u1ed9ng, kh\u00e1ch kh\u00f4ng ph\u1ea3i ch\u1edd. M\u1ecdi giao d\u1ecbch \u0111\u01b0\u1ee3c ghi nh\u1eadn trong h\u1ec7 th\u1ed1ng, qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n d\u1ec5 h\u01a1n. \u0110\u00e2y c\u0169ng l\u00e0 xu h\u01b0\u1edbng chung c\u1ee7a <a href=\"https:\/\/vi.wikipedia.org\/wiki\/Thanh_to%C3%A1n_%C4%91i%E1%BB%87n_t%E1%BB%AD\">thanh to\u00e1n \u0111i\u1ec7n t\u1eed<\/a> t\u1ea1i Vi\u1ec7t Nam.<\/p>\n<p>V\u1edbi kh\u00e1ch h\u00e0ng, h\u1ecd c\u00f3 nhi\u1ec1u l\u1ef1a ch\u1ecdn thanh to\u00e1n. Giao d\u1ecbch nhanh, kh\u00f4ng c\u1ea7n mang ti\u1ec1n m\u1eb7t. L\u1ecbch s\u1eed giao d\u1ecbch \u0111\u01b0\u1ee3c l\u01b0u tr\u00ean app ng\u00e2n h\u00e0ng, ti\u1ec7n tra c\u1ee9u sau n\u00e0y.<\/p>\n<h3>R\u1ee7i ro c\u1ea7n l\u01b0u \u00fd<\/h3>\n<p>R\u1ee7i ro ph\u1ed5 bi\u1ebfn nh\u1ea5t l\u00e0 l\u1eeba \u0111\u1ea3o qua website gi\u1ea3 m\u1ea1o. Kh\u00e1ch nh\u1eadp th\u00f4ng tin th\u1ebb v\u00e0o trang gi\u1ea3 s\u1ebd b\u1ecb \u0111\u00e1nh c\u1eafp d\u1eef li\u1ec7u. Doanh nghi\u1ec7p c\u1ea7n c\u00f3 ch\u1ee9ng ch\u1ec9 SSL v\u00e0 d\u00f9ng c\u1ed5ng thanh to\u00e1n uy t\u00edn.<\/p>\n<p>L\u1ed7i h\u1ec7 th\u1ed1ng c\u0169ng l\u00e0 r\u1ee7i ro. T\u00e0i kho\u1ea3n kh\u00e1ch b\u1ecb tr\u1eeb ti\u1ec1n nh\u01b0ng b\u00ean b\u00e1n ch\u01b0a nh\u1eadn \u0111\u01b0\u1ee3c. C\u00e1c c\u1ed5ng thanh to\u00e1n c\u00f3 c\u01a1 ch\u1ebf \u0111\u1ed1i so\u00e1t cho tr\u01b0\u1eddng h\u1ee3p n\u00e0y. Doanh nghi\u1ec7p n\u00ean ch\u1ecdn \u0111\u01a1n v\u1ecb c\u00f3 h\u1ed7 tr\u1ee3 k\u1ef9 thu\u1eadt nhanh.<\/p>\n<h2>Doanh nghi\u1ec7p t\u00edch h\u1ee3p thanh to\u00e1n tr\u1ef1c tuy\u1ebfn nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n<p>N\u1ebfu b\u1ea1n \u0111ang kinh doanh online v\u00e0 mu\u1ed1n website t\u1ef1 \u0111\u1ed9ng nh\u1eadn thanh to\u00e1n, c\u00f3 3 c\u00e1ch ph\u1ed5 bi\u1ebfn:<\/p>\n<h3>C\u00e1ch 1: D\u00f9ng plugin cho n\u1ec1n t\u1ea3ng c\u00f3 s\u1eb5n<\/h3>\n<p>N\u1ebfu b\u1ea1n d\u00f9ng WooCommerce (WordPress), Shopify, Haravan, Sapo th\u00ec c\u00e0i plugin c\u1ed5ng thanh to\u00e1n l\u00e0 nhanh nh\u1ea5t. Kh\u00f4ng c\u1ea7n vi\u1ebft code. C\u1ea5u h\u00ecnh v\u00e0i b\u01b0\u1edbc l\u00e0 c\u00f3 trang thanh to\u00e1n QR t\u1ef1 x\u00e1c nh\u1eadn.<\/p>\n<h3>C\u00e1ch 2: T\u00edch h\u1ee3p qua API<\/h3>\n<p>V\u1edbi website t\u1ef1 code ho\u1eb7c app, b\u1ea1n c\u1ea7n t\u00edch h\u1ee3p API c\u1ee7a <a href=\"https:\/\/sepay.vn\/cong-thanh-toan-truc-tuyen.html\">c\u1ed5ng thanh to\u00e1n<\/a>. \u0110\u0103ng k\u00fd t\u00e0i kho\u1ea3n, l\u1ea5y API key, g\u1ecdi API t\u1ea1o \u0111\u01a1n thanh to\u00e1n, nh\u1eadn webhook khi kh\u00e1ch thanh to\u00e1n xong. Developer trung b\u00ecnh t\u00edch h\u1ee3p trong 1 \u0111\u1ebfn 3 ng\u00e0y.<\/p>\n<h3>C\u00e1ch 3: D\u00f9ng link\/QR thanh to\u00e1n<\/h3>\n<p>N\u1ebfu ch\u01b0a c\u00f3 website, b\u1ea1n v\u1eabn nh\u1eadn thanh to\u00e1n tr\u1ef1c tuy\u1ebfn \u0111\u01b0\u1ee3c. T\u1ea1o link thanh to\u00e1n ho\u1eb7c m\u00e3 QR cho t\u1eebng \u0111\u01a1n h\u00e0ng, g\u1eedi cho kh\u00e1ch qua Zalo, Facebook, email. Kh\u00e1ch click link ho\u1eb7c qu\u00e9t QR l\u00e0 xong. Ph\u00f9 h\u1ee3p v\u1edbi c\u00e1 nh\u00e2n b\u00e1n h\u00e0ng online ho\u1eb7c doanh nghi\u1ec7p nh\u1ecf.<\/p>\n<h2>N\u00ean ch\u1ecdn ph\u01b0\u01a1ng th\u1ee9c n\u00e0o?<\/h2>\n<p>C\u00e2u tr\u1ea3 l\u1eddi ph\u1ee5 thu\u1ed9c v\u00e0o m\u00f4 h\u00ecnh kinh doanh:<\/p>\n<p>B\u00e1n h\u00e0ng trong n\u01b0\u1edbc, \u0111\u01a1n t\u1eeb v\u00e0i ch\u1ee5c ngh\u00ecn \u0111\u1ebfn v\u00e0i tri\u1ec7u \u0111\u1ed3ng? <strong>QR chuy\u1ec3n kho\u1ea3n qua Open Banking<\/strong> l\u00e0 t\u1ed1t nh\u1ea5t. Ph\u00ed th\u1ea5p nh\u1ea5t th\u1ecb tr\u01b0\u1eddng, ti\u1ec1n v\u1ec1 t\u1ee9c th\u00ec, \u0111\u0103ng k\u00fd \u0111\u01a1n gi\u1ea3n.<\/p>\n<p>N\u1ebfu b\u1ea1n c\u00f3 kh\u00e1ch qu\u1ed1c t\u1ebf ho\u1eb7c b\u00e1n subscription: c\u1ea7n th\u00eam <strong>th\u1ebb Visa\/Mastercard<\/strong>.<\/p>\n<p>N\u1ebfu b\u1ea1n mu\u1ed1n ph\u1ee7 t\u1ea5t c\u1ea3 ph\u01b0\u01a1ng th\u1ee9c trong m\u1ed9t trang thanh to\u00e1n: ch\u1ecdn c\u1ed5ng h\u1ed7 tr\u1ee3 \u0111a k\u00eanh. Hi\u1ec7n c\u00f3 c\u1ed5ng thanh to\u00e1n v\u1eeba h\u1ed7 tr\u1ee3 QR chuy\u1ec3n kho\u1ea3n (<a href=\"https:\/\/sepay.vn\/blog\/open-banking-la-gi\/\">Open Banking<\/a>), v\u1eeba h\u1ed7 tr\u1ee3 QR VietQRPay (c\u1ed5ng NAPAS), v\u1eeba h\u1ed7 tr\u1ee3 th\u1ebb qu\u1ed1c t\u1ebf. T\u1ea5t c\u1ea3 trong m\u1ed9t giao di\u1ec7n, \u0111\u0103ng k\u00fd m\u1ed9t l\u1ea7n, t\u00edch h\u1ee3p m\u1ed9t l\u1ea7n.<\/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<\/ul>\n<p>Ch\u00fac b\u1ea1n ch\u1ecdn \u0111\u01b0\u1ee3c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n tr\u1ef1c tuy\u1ebfn ph\u00f9 h\u1ee3p v\u00e0 t\u00edch h\u1ee3p th\u00e0nh c\u00f4ng!<\/p>\n<div class=\"kk-star-ratings kksr-auto kksr-align-right kksr-valign-bottom\" data-payload=\"{&quot;align&quot;:&quot;right&quot;,&quot;id&quot;:&quot;3686&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;Thanh to\u00e1n tr\u1ef1c tuy\u1ebfn - 5 ph\u01b0\u01a1ng th\u1ee9c v\u00e0 c\u00e1ch ch\u1ecdn ph\u00f9 h\u1ee3p&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<div class=\"kksr-stars\">\n<div class=\"kksr-stars-inactive\">\n<div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px;\">\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<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<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<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<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n<\/div>\n<\/div>\n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n<div class=\"kksr-star\" style=\"padding-right: 5px;\">\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n<\/div>\n<div class=\"kksr-star\" style=\"padding-right: 5px;\">\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n<\/div>\n<div class=\"kksr-star\" style=\"padding-right: 5px;\">\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n<\/div>\n<div class=\"kksr-star\" style=\"padding-right: 5px;\">\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n<\/div>\n<div class=\"kksr-star\" style=\"padding-right: 5px;\">\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\"><span class=\"kksr-muted\">Rate this post<\/span><\/div>\n<\/div>\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;3686&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;Thanh to\u00e1n tr\u1ef1c tuy\u1ebfn - 5 ph\u01b0\u01a1ng th\u1ee9c v\u00e0 c\u00e1ch ch\u1ecdn ph\u00f9 h\u1ee3p&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; 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Ng\u01b0\u1eddi mua tr\u1ea3 ti\u1ec1n cho s\u1ea3n ph\u1ea9m ho\u1eb7c d\u1ecbch v\u1ee5 m\u00e0 kh\u00f4ng c\u1ea7n d\u00f9ng ti\u1ec1n m\u1eb7t. Ch\u1ec9 c\u1ea7n \u0111i\u1ec7n tho\u1ea1i ho\u1eb7c m\u00e1y t\u00ednh c\u00f3 k\u1ebft n\u1ed1i m\u1ea1ng l\u00e0 ho\u00e0n t\u1ea5t giao d\u1ecbch. B\u00e0i vi\u1ebft n\u00e0y gi\u1ea3i th\u00edch c\u00e1c h\u00ecnh th\u1ee9c thanh [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3693,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[52],"tags":[],"class_list":["post-3686","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>Thanh to\u00e1n tr\u1ef1c tuy\u1ebfn - 5 ph\u01b0\u01a1ng th\u1ee9c v\u00e0 c\u00e1ch ch\u1ecdn ph\u00f9 h\u1ee3p<\/title>\n<meta name=\"description\" content=\"Thanh to\u00e1n tr\u1ef1c tuy\u1ebfn g\u1ed3m nh\u1eefng ph\u01b0\u01a1ng th\u1ee9c n\u00e0o? 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