Special services
Save 57%0.15%of value + 100đ/tx
- Fuel
- Transport
- Supermarkets
- Healthcare
- Low-fee priority sectors
- All Vietnamese banks
- Detailed reports
Pricing
Transparent pricing, pay only for successful transactions
Pick your channel: Open Banking for realtime speed, NAPAS to reach every Vietnamese bank.
From 0.15% of value · 50+ banks · Visa/Master · domestic ATM
Education
1,600đper transaction
- Schools
- Training
- Online courses
- Flat fee per tx
- No transaction cap
- Ideal for tuition
Utilities
850đper transaction
- Power
- Water
- Gas
- Flat utility fee
- Batch processing
- Auto reconciliation
Other sectors
0.35%of value
- All sectors
- Outside priority groups
- Set up in 1–2 weeks
- All banks
Enterprise
Customquote on request
- Groups
- Enterprises
- Dedicated API
- Advanced reporting
- Premium security
How NAPAS fees work
Charged only onsuccessful transactions
VND or %flexible by value
Excludes VATand other taxes, fees
By industry codeyour business MCC
No fixed feeper month
Every bankthrough NAPAS
In the NAPAS network:
- Vietcombank
- VietinBank
- BIDV
- Techcombank
- MBBank
- TPBank
- ACB
- OCB
- HSBC
- Citi
- + …
Frequently asked questions
01How is NAPAS different from Open Banking?
NAPAS reaches every Vietnamese bank, priced by industry (MCC), no monthly fee, 5–30 min response. Open Banking covers 5 banks with volume plans and realtime < 2s response.
02How do I know my industry group?
We advise for free to determine your MCC: reviewing your main business, checking your registration and applying the best compliant rate.
03How do I sign up for NAPAS?
- Consult — determine your MCC
- Documents — business licence and permits
- Registration — PayFS registers with NAPAS (1–2 weeks)
- Go-live — test and launch after approval
04Can the fee change after sign-up?
No. The rate is fixed to your MCC once NAPAS approves it and only changes if your main business changes — so getting the MCC right matters.
05How long do NAPAS transactions take?
Depends on the bank:
- 5–10 min — VCB, VTB, BIDV, Agribank
- 15–20 min — Techcombank, MBBank, ACB
- 20–30 min — some smaller banks