Source-backed analysis7
Review basis
Research-based review: the AppDuo Editorial Team compiled it from official pages, documentation, app stores, press and user feedback, without hands-on testing. Every claim links to a source with the date it was checked.
7 reference sourcesInformation updated Nov 10, 2026
How we review
ShopeePay Review
Shopee-linked e-wallet: QR payments, bills, top-ups, pay-later and online loans
By AppDuo Editorial Team · Updated
- iOS
- Android
On this page
Decide at a glance
Our verdict
ShopeePay suits frequent Shopee shoppers who want a wallet for bills, top-ups and QR payments, with SPayLater and online loans on top. Weigh three things: no clearly published wallet fee table, a privacy policy that allows far wider data sharing than its Google Play label, and an illustrative loan priced at 3.22% a month.
Best for: Frequent Shopee shoppers or users of partner services such as Garena
Skip it if: Anyone who needs a clearly published fee and limit table before signing up
Pros
- 4.5/5 on Google Play (about 129,000 reviews) and 10M+ downloads
- Domestic and international QR payments, phone and data top-ups, bills for electricity, water, internet and tuition
- SPayLater is interest-free up to 45 days with up to 24 instalments per the listing
Cons
- The Vietnamese App Store rating is 4.2/5 (132,488 ratings), lower than Google Play
- Illustrative loan: VND 10 million over 9 months at 3.22% a month, total repayment VND 12,897,999
All pros and cons · Who is it for?
Pros
- A help center, a 1900 6906 hotline and integration documentation for partners
Cons
- The homepage does not state wallet fees and limits clearly
- The privacy policy allows disclosure to banks, partners and affiliates, far wider than the "no sharing" Google Play label
Best for
- People who want QR payments, top-ups and bill payments in one wallet
- Users who want buy-now-pay-later with an interest-free window
Skip it if
- People wary of higher-interest loans or instalments
Problems it solves
Experience & key features
What it is
ShopeePay is an e-wallet operated by ShopeePay Joint Stock Company. On 8 June 2021 the AirPay wallet was renamed ShopeePay and its brand colour changed from blue to orange, with balances unchanged after updating the app (Báo Pháp luật, SGGP). Its website says it is licensed by the State Bank of Vietnam for three payment-intermediary services: e-wallet, collection and disbursement support, and an online payment gateway.
Key features
The Google Play description lists phone and data top-ups on all carriers, bills for electricity, water, internet, TV and tuition, and QR payments at stores and partner apps such as Shopee and Garena. The homepage adds paying on Shopee and partners such as ShopeeFood, Phương Trang and Home Credit.
Pay-later, loans and cost
SPayLater offers buy-now-pay-later, interest-free for up to 45 days with up to 24 instalments. SEasy quick loans are applied for online with limits up to VND 100 million. Both are provided by partner banks. The listing's example: VND 10 million over 9 months at 3.22% a month, total repayment VND 12,897,999, or VND 1,433,111 a month. Read each service's own terms before using it.
More analysis
Compared with other wallets
MoMo, ZaloPay and Viettel Money also offer QR payments, bills and top-ups. ShopeePay differs by being tied to Shopee and offering SPayLater; its App Store rating (4.2/5) is lower than Viettel Money's (4.7/5) in the data collected. Choose based on where you pay most and which promotions are running.
Screenshots
Plans & pricing
Prices last verified Nov 10, 2026
Ví ShopeePay (cá nhân)
PersonalFree
The app is free to download. The official pages AppDuo reviewed do not publish a wallet fee table; fees and limits sit in the terms of use and in the app. SGGP (June 2021) reported that deposits and transfers were free.
- Free plan limits
- The Google Play and App Store descriptions list SPayLater as interest-free for up to 45 days with up to 24 instalments, and SEasy quick loans up to VND 100 million. These financial services are provided and managed by partner banks.
- Free trial
- No free trial
Cancellation & refunds
Not applicable to the app itself. Refund conditions, fees and limits follow ShopeePay's terms of use.
Privacy
The Google Play Data safety section, self-declared by the developer, says no data is shared with third parties, only crash logs, diagnostics and app performance data are collected for analytics, data is encrypted in transit and deletion can be requested. The privacy policy on the website is much broader: ShopeePay may collect ID documents, transaction and marketing data, obtain further data from affiliates, partners and credit bureaus, disclose data to banks, service providers and affiliates (Article 8), and store or process data abroad as the law allows (Article 12). Withdrawing consent requires written notice to its Data Protection Officer, and the policy states that anyone who disagrees with the data handling should not use the service.
ShopeePay alternatives
7.5/10MoMo
Widely used Vietnamese e-wallet for transfers, bills, spending tracking and QR payments
7.4/10Viettel Money
Viettel's wallet: transfers, bills, phone top-ups and a Mobile Money account
Frequently asked questions
Is ShopeePay the same as AirPay?
Yes. The AirPay wallet was renamed ShopeePay on 8 June 2021 and balances carried over after the app update, per Báo Pháp luật and SGGP.
Does ShopeePay cost anything?
The app is free. Wallet fees and limits are in the terms of use and in the app; 2021 press reported free deposits and transfers, so check current terms.
How do I contact support?
Call 1900 6906 or use the help center at help.cs.shopeepay.vn, per the official website.
Who provides SPayLater and SEasy?
The app description says the financial services are provided and managed by ShopeePay's partner banks.
Review evidence & sources7
Scores
- Ease of use
- 7.6
- Features
- 7.8
- Value for money
- 7.2
- Performance
- 7.4
- Support
- 7.0
- Privacy & security
- 6.0
Why this score
4.5/5 on Google Play and 4.2/5 on the App Store point to a good but uneven experience.
Why this score
Domestic and international QR, bills, top-ups, SPayLater, SEasy and a payment gateway for partners.
Why this score
A free app with a VND 1 million voucher pack for new users on the homepage, but the wallet fee table is not clearly published and the loan example charges 3.22% a month.
Why this score
Version 5.61.04 was updated on 3 Nov 2026; no independent stability data was found.
Why this score
A 1900 6906 hotline, help center and contact form exist; no independent assessment of support quality was found.
Why this score
The self-declared Google Play label says no sharing, but the privacy policy allows disclosure to banks, partners and affiliates, data from credit bureaus and processing abroad; withdrawing consent requires written notice.
What users say
- Apple App Store (Việt Nam)4.2/5 · 132,488
- Google Play4.5/5 · 129,000
Sources
- Vendor-providedShopeePay Vietnam official websiteNov 10, 2026
- Vendor-providedShopeePay - Privacy policyNov 10, 2026
- Vendor-providedShopeePay - Terms of useNov 10, 2026
- storeApp Store listing (Vietnam)Nov 10, 2026
- storeGoogle Play listingNov 10, 2026
- pressBáo Pháp luật (2021-06-09)Nov 10, 2026
- pressSài Gòn Giải Phóng (2021-06-11)Nov 10, 2026
Specs & compatibility
- Developer
- Công ty Cổ phần ShopeePay
- Headquarters
- Vietnam
- Launched
- 2016
- Category
- Finance
Capabilities
- Mobile app
- Public API
- Integrations
Platforms
- iOS
- Android
Interface languages
- Vietnamese
- English
Integrations
- Shopee
- Garena
- ShopeeFood
- Phương Trang
- Home Credit
Support
- Phone
- Help center
Change history
- Feature.Version 5.61.04 on the App Store is the latest at the time of research.
- Update.SGGP reports, citing Shopee, that orders paid via AirPay across the region grew fourfold and partner stores in Vietnam doubled in 2020.
- Update.The AirPay wallet is renamed ShopeePay, with the brand colour changed from blue to orange; balances carry over.
Full change history (4)
- Launch.The first release appears on the Vietnamese App Store (release date per iTunes lookup data).
About the author
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