About Us

About SePay

SePay is Vietnam's leading Open Banking infrastructure company, providing banking APIs and cash-flow automation for businesses.

Every day, Vietnamese corporate accountants spend millions of hours monitoring bank dashboards, running reconciliation in spreadsheets, calling customers to confirm missing or incorrect payment references, and re-keying data to issue invoices. This is work humans shouldn't have to do - machines do it better and faster.

SePay exists to eliminate that kind of work

Mission

Automation is the default.
Your time is yours again.

SePay's mission is to bring banking into business software - so that payments auto-confirm, reconciliation runs itself, invoices issue themselves. Businesses spend their time creating value, not repeating tasks.

SePay by the Numbers

Major banks officially connected.
Also a network development partner of NAPAS.

95,000+

Transactions processed daily

250B+ VND

Total volume processed by the system

13+ years

Years of experience operating digital infrastructure

SePay is built by the team behind 123HOST - 13+ years of operating digital infrastructure for Vietnamese businesses since 2012.

Product ecosystem

SePay builds a complete infrastructure for business cash flow - from collection, reconciliation, and notifications to invoice issuance.

Banking API & Webhook

Money in, SePay alerts instantly. Real-time payment confirmation, automatic reconciliation, transactions synced from the bank into your software.

Real-time webhook Automated reconciliation 12 banks

SePay Bank Hub

A banking API solution for software companies that integrate banking for many of their own customers.

Virtual Account

A dedicated account number for each customer, point of sale, or order - no more worrying about missing or incorrect payment references.

Payment Notification Device

Audio alerts for incoming payments at the counter, available in WiFi and 4G versions - a trusted supplier to banks and merchants.

Payment gateways

VietQR gateway (Open Banking), NAPAS gateway (VietQRPay), and international card gateway (Visa, Mastercard, JCB).

VietQRPay

NAPAS-standard QR - accepts payment from every bank in Vietnam.

VietQRGlobal

Accept payments cross-border in Thailand, Laos, Cambodia, South Korea, and China.

SePay eInvoice

Automatically issue e-invoices the moment payment is received, with full API support.

Real-time Payment Alerts

Instant payment notifications to Telegram chat groups, Lark, and the SePay mobile app.

SePay eShop

E-commerce platform with built-in payment and e-invoice issuance.

Why businesses choose SePay

Eliminate manual work - give time back to the business

Accountants no longer monitor internet banking. Reconciliation no longer requires Excel. Invoices issue themselves the moment payment arrives. Every automated transaction is a manual task removed from your team's workday.

Automation isn't hard - go live in a single day

Comprehensive documentation, ready-to-use SDKs, 100% online sign-up. No need for a large technical team or complex integration. Thousands of businesses have proven: automation is the easy part - the hard part is daring to start.

Bank-grade infrastructure, not just a productivity app

ISO 27001 certified for information security management. Fully compliant with State Bank of Vietnam regulations for Open Banking (Circulars 09, 41, 50, 64). Proven at a scale of more than 250 billion VND in transactions per day.

Direct banking partner

Officially connected with 12 major banks and NAPAS. No intermediaries, no third-party dependencies.

Built for Vietnamese businesses

We understand Vietnamese accounting, banking, and invoicing workflows. Pricing is per transaction, not a percentage of revenue - the larger the business, the greater the savings.

Every business deserves automation

Automation infrastructure isn't only for large enterprises. Online shops, retail chains, indie SaaS teams, e-commerce sellers - anyone who receives payments deserves a system that auto-confirms, auto-reconciles, and auto-issues invoices.

If you believe your team's time is worth more than repetitive work - SePay was built for you.

View SePay Portfolio