How to Accept Cross-Border QR Payments at Your Store in Vietnam

To accept cross-border QR payments, a store needs the right acceptance service, approved merchant registration and an activated QR code compatible with the customer's app. An existing domestic VietQR transfer code does not, by itself, guarantee that overseas customers can pay. This guide explains how to choose a registration channel, prepare documents, assess fees, check when funds arrive and operate the service at the counter. It covers purchases at physical stores in Vietnam, rather than remittances or IRID registration.

What Is Cross-Border QR Payment at a Store?

Cross-border QR payment lets customers use a supported overseas banking or e-wallet app to pay for goods or services through an activated QR code at a store in Vietnam. Customers can use funds available through their app without opening a Vietnamese bank account for that transaction. Availability depends on the app, payer eligibility, payment connection and merchant configuration.

How a cross-border QR transaction works

For a configuration in which the merchant receives VND, a typical flow is:

The customer scans the correct merchant or invoice QR code using a supported app.
Before confirming, the customer checks the merchant, amount, currency to be debited and any conversion and fee information provided by the app.
The request is processed through the participants in the payment connection. The merchant checks the result through its own official management channel.
The amount due to the merchant is credited in VND to its registered account under the settlement method and schedule agreed in the contract.

VietQRGlobal is NAPAS's cross-border QR service. It should be distinguished from VietQR fund transfers and domestic VietQRPay acceptance: shared VietQR branding does not make every code or app compatible. FinFan's solution materials also describe a connection between overseas PSPs/e-wallets and Vietnamese banks. A store needs to identify the route actually being offered, rather than treating these models as one universal service.

Which Stores Should Consider It?

Restaurants, retailers, accommodation providers and other businesses serving customers who use overseas apps can consider QR as an additional payment option. Assess suitability against the apps customers actually use, invoice values, transaction frequency, operating costs and reconciliation needs.

Nationality does not establish whether a customer can pay. Ask the provider for the supported apps at your specific store, check limits and test the service before promoting acceptance. Keep another payment option available for customers without a compatible app and during service interruptions.

Which Markets Has VietQRGlobal Connected?

In its announcement dated 3 November 2026, NAPAS listed six connected countries: China, South Korea, Thailand, Laos, Cambodia and Singapore. Connections with Taiwan and India were being developed. This is a network-level announcement, rather than a guarantee that every app from those countries works at every store. [1]

For a Vietnamese store, confirm the inbound direction: an overseas customer paying in Vietnam. Check the specific apps, merchant acceptance arrangement and activated QR code. Vietnamese customers paying abroad are a separate direction.

The supported apps and markets for a bank–FinFan connection also require separate confirmation. Do not automatically apply VietQRGlobal's network list to a different connection.

Transfer QR Codes and Registered Cross-Border Acceptance

A QR code carries information used to initiate a transaction. International acceptance depends on the service behind it. Adding a VietQRGlobal logo to an existing transfer code does not replace registration, integration or activation.

Domestic VietQR Transfer Codes

VietQR transfer codes help populate beneficiary account details for a transfer. The account can belong to an individual or an organization, depending on the service. When using transfers to collect sales proceeds, check three points:

A bank account has service terms, but having an account does not mean that cross-border merchant QR acceptance has been enabled.
Transfer descriptions and bank records can support reconciliation; links to invoices, orders and individual outlets depend on the system.
Combining business and personal transactions can increase classification work. Merchants still need records and a process for identifying business revenue.

Under Resolution 198/2025/QH15, household and individual businesses no longer use the presumptive tax method from 1 January 2026. Tax declarations and notifications of accounts or e-wallets used for business must follow the rules applicable to each case. Neither every incoming transfer being revenue nor merchant QR acceptance completing all invoicing, accounting and tax obligations should be assumed.

Registered Merchant QR Acceptance

The merchant completes verification and registers under the provider's acceptance model. Contracting parties can differ between a bank connection and a VietQRGlobal integration. Read the documentation for the actual channel; do not assume that every merchant signs directly with a bank.

The QR code must correspond to the approved merchant profile and service scope. Depending on the solution, the system may support invoice references, transaction status, reports and reconciliation. Registration approval still needs to be followed by activation checks, supported-app testing and confirmation of the receiving account.

Requirements for Accepting Cross-Border QR Payment

Requirements vary with the provider, connection, business type and industry. The following is a preparation checklist, not a universal set of criteria that guarantees approval.

A valid business registration

Prepare evidence of company, household-business or other business status accepted by the service. Actual activities, outlet address and industry should match the documents; regulated activities may require additional permits. If your activity is exempt from business registration under applicable rules, ask whether the provider accepts it and what alternative evidence is needed. Do not assume that all individuals qualify.

A VND payment account

Register a VND account at a bank supported by the service. Confirm account-name requirements, permitted account types, the account holder rules for household businesses and whether one account can serve multiple outlets. Do not substitute another person's account. Opening a bank account does not guarantee merchant acceptance approval.

Documents to prepare

Business or household-business registration, or other evidence of business status requested by the provider.
Valid identification for the owner or legal representative, with authorization and related information where required.
VND receiving account number, bank and account holder name, with ownership evidence if requested.
Outlet address, contact details and photographs required for the application.
Products/services, business category, expected sales and transaction values; beneficial ownership details or sector permits where applicable.

The receiving party may request online verification, document checks or additional information. Submit data through official channels. Do not give registration agents your password, OTP or control of your account. Approval time depends on the application and the relevant provider's process.

How to Accept Cross-Border QR Payment in 5 Steps

Step 1: Identify the Connection and Registration Channel

Consider these channels, then confirm which is currently accepting applications for your requirements:

A bank offering cross-border QR acceptance suited to your target customers.
A sales-software provider or integration partner. NAPAS and KiotViet have announced cooperation on VietQRPay and VietQRGlobal; stores still need to register and activate the service rather than assume that every software account is already enabled.
FinFan: discuss the QR X-Border model, proposed bank or VietQRGlobal connection, supported apps and scope of application and technical assistance. Confirm actual availability for your location and industry before committing.

Step 2: Prepare and submit your documents

Obtain an up-to-date document checklist, submit it through the official channel and complete verification. Ask who receives and approves the application, the expected processing time and how to correct missing information. A complete submission can reduce follow-up requests; it does not guarantee immediate approval or activation.

Step 3: Review and Sign the Service Agreement

Identify the legal service provider, contracting parties, support contact and receiving account before signing. At a minimum, clarify:

Percentage fees, fixed/minimum charges, VAT, software or integration fees and any other charges, including who bears each cost.
Transaction confirmation, settlement schedule, cut-off times, holidays, account crediting and conditions for delayed or withheld funds.
Supported apps/markets, limits, permitted business categories and each party's verification responsibilities.

Procedures for inquiries, duplicates, cancellations/refunds, disputes, suspension and termination; reporting deadlines and how fee changes are communicated.

Step 4: Activate, Test and Train Staff

Use only QR formats confirmed as supported by the service:

Static QR: reused at the outlet. Some configurations require the customer to enter the amount. Check the amount, merchant name and invoice-matching process.
Dynamic QR: generated for an order, usually carrying an amount or reference and potentially an expiry time. Do not assume every service package supports both static and dynamic codes.

Test with a supported app, verify the amount and merchant, check the result on the merchant side and then verify funds against the agreed schedule. Train cashiers to use the official portal/app rather than rely on customer screenshots. A pending status alone is not a basis for releasing goods.

Step 5: Reconcile and Manage Exceptions

Match orders, transaction references, gross amounts, fees, refunds, VND settlements and bank statements. Track successful transactions awaiting their scheduled credit, overdue credits and inconsistent statuses separately. Keep records for inquiries, invoicing, accounting and tax; payment reports do not automatically replace invoices.

Fees, Exchange Rates and the Amount Received

Payment acceptance fee

There is no single fee applicable to every merchant, app and cross-border QR connection. Request a current quote and contractual details of percentage fees, calculation basis, fixed/minimum charges, VAT and any integration, maintenance, refund or inquiry charges. Compare total costs with international card acceptance on the same sales base and service scope. QR should not be assumed to be cheaper in every case.

Illustration only, not a quote: for VND 100 million of eligible sales, an assumed 1% QR fee equals VND 1 million, while an assumed 3% fee for another method equals VND 3 million. The VND 2 million difference applies only to those assumptions and excludes tax, fixed fees, refunds and other charges. If fees are deducted, net VND received = settlement amount − deducted fees − applicable adjustments. Separately invoiced fees still count toward operating costs.

Confirmation, Account Crediting and Equipment

Customer authorization, the merchant's payment confirmation and bank-account crediting are different events and may occur at different times. A fast response does not guarantee immediate receipt of funds. Confirm instant versus session/batch settlement, cut-offs and weekend processing. Some configurations do not require a separate card terminal, but may still require devices, connectivity or software to display codes and check transactions. Do not promise that every transaction completes in 3–5 seconds.

Exchange rate and settlement currency

With an agreed VND-receiving configuration, the store receives VND into its registered account while the customer is debited under their app and funding-source terms. Conversion information, fees and display rules depend on the connection and parties involved and should be checked before confirmation. Do not assume that all apps display exchange rates identically or that one bank performs every conversion step. Refund currency, rates and charges also require separate clarification.

Who Does What in a Cross-Border QR Payment

The table describes roles by connection. It does not mean every transaction passes through every party:

FinFan should not be equated with a bank or NAPAS. Implementation documents must identify the service provider, the party processing/paying funds, the fee-document issuer and the incident contact. Providing a connection platform does not establish that FinFan itself performs every acceptance, conversion or settlement function.

Checklist Before You Register for Cross-Border QR Payment

Confirm these six items in official documentation or operating instructions before activation:

Customers and apps: which specific apps support inbound payment at this store? A country name alone is insufficient.
Limits and costs: do transaction values, daily/monthly limits, business categories, total fees and promotion conditions fit your needs?
Codes and equipment: static or dynamic, expiry, amount entry, software, connectivity and protection against replacement of counter QR codes?
Documents and contracts: who signs, who approves, what is missing and has activation been confirmed?
Funds: who holds the registered VND account, are fees deducted or billed separately, when is it credited and how are payments matched to invoices and records?
Operations: who confirms payment and handles pending statuses, duplicates, refunds and out-of-hours incidents?

Frequently Asked Questions at the Counter

What if the customer has been debited but the store has no success result?

Check the official merchant channel, transaction reference, time, amount and order status. Contact support if results disagree. An account not yet credited does not by itself establish failure: settlement may not yet be due. Avoid immediately asking for another payment while the first result remains unresolved, to reduce duplicate collection.

Can staff accept a customer's screenshot as confirmation?

Treat it as supporting information only. Follow the provider's process to verify the merchant-side result against the outlet, amount and order reference. If a verified result is unavailable, follow the incident procedure rather than manually marking the order paid.

How should duplicates or refunds be handled?

Keep the transaction reference and invoice, verify the original payment and follow the provider's cancellation/refund process. Confirm timelines, fees, currency and exchange-rate treatment; the refunded amount can differ from the customer's original debit. Do not independently transfer funds to an account supplied by a claimant before verifying the payer and original transaction.

Can one code be used for every app or outlet?

Use it only within its activated scope. Changing the outlet or receiving account, or adding apps, may require updated registration or configuration. Confirm and test before use.

Explore Cross-Border QR Acceptance with FinFan

Contact FinFan to discuss international-customer acceptance needs. Prepare your industry, outlet locations and count, customers' commonly used apps, expected sales and existing sales software. Ask for confirmation of the delivery model, operating partners, current availability, application requirements and current fees.

An enquiry does not establish application approval, support for every app or service activation. Promote specific acceptance capabilities only after confirmation and successful testing.

Do you run a restaurant, retail store, hotel, or travel service and want to assess adding cross-border QR payments? The FinFan team can walk you through the registration process, the markets currently supported, and how to deploy QR codes at your point of sale with our partner banks.

Website: https://finfan.io
Email: support@finfan.vn
Phone: +84 28 6685 3317

Disclaimer

This article explains how to assess and register for cross-border QR acceptance at physical stores. FinFan's connectivity capabilities are referenced to its QR X-Border materials; actual services, responsibilities and conditions are determined by implementation documents and agreements. FinFan is not a bank. IRID fees, currency coverage and receiving procedures must not be applied to this QR service.

Network information was reviewed on 6 November 2026 and may change. This article is not a quote, processing-time commitment or case-specific tax/legal advice. Verify current conditions with the provider and consult an appropriate adviser when needed.

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