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Source-backed analysis9

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.

9 reference sources

Information updated Nov 10, 2026

How we review
VNPAY logo

VNPAY Review

QR payment network inside bank apps, plus an app for shopping, tickets and finance

Editorial Team7.0/10Write the first review

By Official AppDuo editorial team · Updated

  • iOS
  • Android
  • Web
Free · Free
Visit VNPAY
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Decide at a glance

Our verdict

VNPAY suits people who want to scan VNPAY-QR inside the bank app they already use, or who want a single app for tickets, shopping and payments: the company reports more than 40 linked banks and over 600,000 acceptance points, and the app is rated 4.6/5 on the App Store. The trade-offs are that official pages publish no fee or limit schedule for the app, the data policy gives no specific retention period, and the Google Play score (4.06/5) is well below iOS.

Best for: People with a linked bank app who want to pay by scanning VNPAY-QR at shops

Skip it if: Anyone who needs fees and limits spelled out in advance, since public pages do not list them

Pros

  • Broad network: VNPAY-QR works in the apps of more than 40 banks and 15 e-wallets, with over 600,000 acceptance points by the company's own figures
  • Free app with a two-language interface (Vietnamese, English) that combines payments, bus and cinema tickets, shopping and finance services such as buy now pay later and consumer loans
  • High iOS rating: 4.6/5 from about 76,000 ratings

Cons

  • No fee or limit schedule for the app on the official pages reviewed
  • Google Play score of 4.06/5 (about 58,000 ratings) is clearly lower than 4.6/5 on the App Store
All pros and cons · Who is it for?

More pros

  • Reports PCI DSS 4.0.1 Level 1 certification for six payment infrastructure services, held continuously since 2020

More cons

  • Data policy gives no retention period and is silent on cross-border transfers; the iOS app contains advertising and analytics SDKs

Best for

  • Users who book bus or cinema tickets or shop through one utility app

Skip it if

  • Privacy-sensitive users, given the advertising SDKs and the fairly broad sharing allowed by the policy

Problems it solves

Experience & key features

What VNPAY is

VNPAY is both the name of Vietnam Payment Solutions Joint Stock Company and a family of products: VNPAY-QR, an online payment gateway, POS devices and the VNPAY app. Most users meet VNPAY through its QR code, which the company says can be scanned from the apps of more than 40 banks, the VNPAY app or 15 e-wallets. The VNPAY app is a separate piece that works as a payment and shopping utility.

Key features

According to the App Store, the app combines payments, shopping, transport, entertainment and financial services such as buy now pay later and consumer loans. The homepage mentions cinema booking at 200+ cinema chains, bus booking with 1,000+ operators, and POS, e-invoicing and digital signature products for businesses. Official news from May 2026 says VNPAY and PGBank launched an end-to-end solution from payments to digital tax filing for household businesses.

Pricing and limits

The app is free on both stores. Worth noting: the homepage, the App Store listing and the data policy publish no fee schedule or transaction limits. Users should check fees and limits in the app or with the linked bank before confirming a payment.

More analysis

Compared with alternatives

Unlike MoMo or ZaloPay, which are wallets with their own balance, VNPAY emphasises connecting payments through existing bank accounts and bank apps. Those already used to a particular wallet or who want spending-management tools may prefer those wallets; those who want to scan a QR straight from their bank app will find VNPAY-QR a common option. The lower Google Play score versus iOS is also a reason to read recent reviews before installing.

Screenshots

VNPAY app promotional image on the Vietnam App Store (image 1)
VNPAY app promotional image on the Vietnam App Store (image 1)
VNPAY app promotional image on the Vietnam App Store (image 2)
VNPAY app promotional image on the Vietnam App Store (image 2)
VNPAY app promotional image on the Vietnam App Store (image 3)
VNPAY app promotional image on the Vietnam App Store (image 3)

Plans & pricing

Prices last verified Nov 10, 2026

Ứng dụng VNPAY

Personal

Free

The app is free to download on the App Store and Google Play. Neither the homepage nor the App Store listing publishes a fee schedule or transaction limits for the app, so none are quoted here; fees and limits depend on each service and the linked bank and should be checked in the app before confirming.

Free plan limits
No paid tier for individual users is published. VNPAY-QR can be scanned through bank apps, linked e-wallets or the VNPAY app.
Free trial
No free trial
Cancellation & refunds

The data protection policy says VNPAY handles inquiries, disputes and complaints, but the pages reviewed publish no dispute deadline or refund procedure. Users can contact the hotline 1900 555 577 or [email protected].

Privacy

The customer data protection policy (effective 10 Jan 2026) lists basic data (name, date of birth, address, ID or passport number, phone number, online activity) and sensitive data (biometrics, financial information, bank account and card details, location). Data may be shared with banks, card organisations, payment intermediaries, merchants, service providers, the parent company and affiliates, and authorities when required by law. Marketing is done only with consent. Users have rights to access, correct, delete, withdraw consent and complain. Gaps: the policy gives no specific retention period and does not address transfers of data outside Vietnam. On infrastructure security, VNPAY reports PCI DSS 4.0.1 Level 1 certification for six services (VNPAY Cloud, the payment gateway, SmartPOS, VNTAP-HCE, Tap to Phone and PhonePOS), which covers payment infrastructure rather than the whole app. AppGoblin lists Google and Facebook ad SDKs, AppsFlyer and Firebase in the iOS app, and VNPAY's self-declared App Store privacy label lists contact info and diagnostics as used for tracking.

VNPAY alternatives

Apple Pay logoVSVNPAY logoApple Pay vs VNPAY
MoMo logo7.5/10

MoMo

Widely used Vietnamese e-wallet for transfers, bills, spending tracking and QR payments

Free
Viettel Money logo7.4/10

Viettel Money

Viettel's wallet: transfers, bills, phone top-ups and a Mobile Money account

Free
All alternatives

Frequently asked questions

What is the difference between VNPAY and VNPAY-QR?

VNPAY is the company and umbrella brand. VNPAY-QR is the payment code that can be scanned through bank apps, linked wallets or the VNPAY app. The VNPAY app is the company's own separate application.

Does the VNPAY app cost anything?

Downloading the app is free. The official pages reviewed do not list transaction fees, so check in the app before confirming.

How do I contact VNPAY support?

The data policy lists the hotline 1900 555 577 and the email [email protected]. Confirm the operating hours on the official site before relying on them.

Does VNPAY hold any security certification?

According to a Vietnam Banks Association post (17 Dec 2025), VNPAY received PCI DSS 4.0.1 Level 1 certification for six services, assessed by Control Case, held continuously since 2020. The scope is payment infrastructure rather than the whole app.

Review evidence & sources9

Scores

Ease of use
7.5
Why this score

Free app with a two-language interface (Vietnamese, English), rated 4.6/5 on the App Store. The 532.8 MB iOS size is heavy and the Google Play score is lower (4.06/5).

Features
7.5
Why this score

VNPAY-QR in bank apps, bus and cinema tickets, shopping, buy now pay later and consumer loans per the App Store description; no spending-management tools are mentioned in the sources reviewed.

Value for money
7.5
Why this score

The app is free to download and use, but with no public fee schedule to compare against other wallets the score is held back.

Performance
7.0
Why this score

Average ratings are 4.6/5 on iOS but 4.06/5 on Android; iOS version 3.15.1 (26 Oct 2026) only notes generic interface and performance improvements.

Support
6.5
Why this score

A hotline (1900 555 577) and support email exist, but the pages reviewed publish no complaint handling deadline or refund process, and no detailed help centre was found.

Privacy & security
6.0
Why this score

A clear policy, data subject rights and PCI DSS certification for infrastructure; points deducted for no retention period, silence on cross-border transfers, broad sensitive data scope and advertising SDKs in the app.

What users say

Sources

Specs & compatibility
Developer
Công ty Cổ phần Giải pháp Thanh toán Việt Nam (VNPAY)
Headquarters
Vietnam
Launched
2020
Category
Finance

Capabilities

  • Integrations
  • Mobile app

Platforms

  • iOS
  • Android
  • Web

Interface languages

  • Vietnamese
  • English

Integrations

  • VNPAY-QR
  • Ứng dụng ngân hàng liên kết
  • Ví điện tử liên kết
  • UnionPay International
  • Thẻ nội địa và quốc tế

Support

  • Phone
  • Email
  • Help center

Change history

  1. Company.VNPAY and PGBank launched an end-to-end solution from payments to digital tax filing for household businesses and enterprises.
  2. Update.The customer personal data protection policy took effect.
  3. Feature.VNPAY announced PCI DSS 4.0.1 Level 1 certification for six services, its sixth consecutive year; over 400,000 VNPAY-QR acceptance points connected using TLS 1.2.
Full change history (6)
  1. Update.VNPAY-QR was honoured as a Vietnam National Brand 2020 (one of 124 firms), usable on more than 30 banking apps and eight e-wallets with over 100,000 acceptance points.
  2. Launch.The VNPAY iOS app has a release date of 8 Apr 2020 according to AppGoblin.
  3. Company.VNPAY and UnionPay International signed a QR payment cooperation agreement; VNPAY then had nearly 20,000 acceptance points and projected 50,000 by the end of 2018.
About the author

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