ACB — VND collections and payouts
CVPay is a Singapore-licensed payment provider that lets businesses accept VND payments from ACB account holders through VietQR and send payouts directly to ACB bank accounts.
What is ACB?
ACB (Asia Commercial Bank) is one of Vietnam’s leading private commercial banks, headquartered in Ho Chi Minh City with a nationwide branch network and a widely used mobile banking app. Its retail customer base makes it a payment source you will see daily in Vietnamese collections.
Every ACB retail account works with VietQR, Vietnam's national QR standard operated by NAPAS. When your customer banks with ACB, they can pay you by scanning a QR code in the ACB mobile app — no card details, no manual account entry, and the transfer references are matched to your order automatically.
Key facts
- Bank
- Asia Commercial Bank
- NAPAS BIN
- 970416
- Currency
- VND (Vietnamese dong)
- Pay-in speed
- Typically 1–3 minutes after the customer confirms
- Payout speed
- Typically 1–3 minutes via 24/7 fast transfer
- Availability
- 24/7 including weekends and holidays
- Limits
- Per-transaction and daily limits follow your merchant configuration
How it works with CVPay
Accepting payments (pay-ins)
Create an order through the CVPay API and show the returned VietQR code to your customer. They scan it in the ACB app, confirm the exact amount, and the funds are matched to your order and credited to your VND balance — usually within 1–3 minutes. Each QR is dynamic: it carries the order amount and reference, which eliminates underpayment and manual reconciliation.
Sending payouts to ACB accounts
Submit a transfer through the API with the recipient's ACB account number and name. Payouts ride Vietnam's 24/7 fast-transfer rails and typically settle in minutes. Optional recipient-name verification is available before dispatch, which materially reduces failed and misdirected transfers.
Integration
One REST API covers every payment method CVPay supports. Create an order, show the returned QR or account details to your customer, and receive the result on your webhook. A hosted cashier page and sandbox environment are available, and most merchants complete integration within days.
curl -X POST 'https://{api-base}/api/transfer/create' \
-d 'mchNo=M1234567890' \
-d 'appId=YOUR_APP_ID' \
-d 'mchOrderNo=PAYOUT-2026-0001' \
-d 'currency=vnd' \
-d 'amount=1000000' \
-d 'accountNo=0123456789' \
-d 'accountName=RECIPIENT NAME' \
-d 'bankName=ACB' \
-d 'sign=...'
# Status is delivered to your webhook when the
# transfer reaches a final state.
# Simplified example — see the API docs for details.Frequently asked questions
How fast do ACB transfers arrive?+
Both pay-ins and payouts typically settle within 1–3 minutes over Vietnam's 24/7 fast-transfer network. Delays beyond a few minutes are rare and usually caused by maintenance windows on the banking side.
Do my customers need anything besides their ACB app?+
No. Any ACB retail customer with mobile banking can scan a VietQR code and pay. There is no card enrollment or extra registration step.
What are the transaction limits?+
Limits are set per merchant based on your business profile and KYB review. Typical configurations support both small consumer payments and larger B2B transfers — contact us with your expected volumes.
Can I verify the recipient name before sending a payout?+
Yes. The API offers a recipient-name check so you can confirm the account holder before dispatching funds, reducing failed transfers and fraud disputes.
Start accepting payments today.
Create an account and go live, or talk to our team about your requirements.