MoMo — accept payments from Vietnam’s biggest e-wallet
CVPay is a Singapore-licensed payment provider that lets businesses accept VND payments from MoMo users: customers scan an interoperable QR code in the MoMo app and funds settle to your merchant balance with automatic reconciliation.
What is MoMo?
MoMo is one of Vietnam’s largest e-wallets, with tens of millions of registered users. It started as a mobile top-up service and grew into a super-app covering consumer payments, bill pay, savings and lending — for many younger Vietnamese consumers it is the primary way to pay.
Vietnam’s QR interoperability means a MoMo user can pay any compatible QR code — not only MoMo-branded ones. CVPay issues interoperable dynamic QR codes, so MoMo users pay you from the app they already use daily, while your integration stays identical across wallets and banks.
Key facts
- Method type
- E-wallet (QR-based, interoperable)
- Reach
- Tens of millions of registered users in Vietnam
- Currency
- VND (Vietnamese dong)
- Pay-in speed
- Real-time confirmation in the app; order updated in 1–3 minutes
- Availability
- 24/7
- Limits
- Wallet-side limits apply per MoMo account tier; merchant limits follow your configuration
How it works with CVPay
Accepting payments (pay-ins)
Create an order through the API and present the returned QR code at checkout. The customer opens MoMo, scans, and confirms the pre-filled amount. The payment is matched to your order automatically and your webhook is notified — no reference typing, no manual matching. The same QR also works for customers on other wallets and banking apps.
Sending payouts
Disbursements are sent as VND fast transfers to Vietnamese bank accounts, which is the reliable, universally reachable payout rail in Vietnam — including for wallet users, since every wallet links to a bank account. Recipient-name verification is available before dispatch.
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/pay/qrcode' \
-d 'mchNo=M1234567890' \
-d 'appId=YOUR_APP_ID' \
-d 'mchOrderNo=ORDER-2026-0001' \
-d 'wayCode=QRCODE247' \
-d 'currency=vnd' \
-d 'amount=500000' \
-d 'sign=...'
# Response contains a VietQR payload bound to this order.
# Simplified example — see the API docs for the full
# field list and MD5 signature spec.Frequently asked questions
Do I need a separate MoMo integration?+
No. CVPay issues interoperable QR codes that MoMo recognizes alongside other Vietnamese wallets and banking apps. One integration covers them all.
How do I know a payment came from MoMo?+
The order confirmation carries the payment details reported by the receiving side. Operationally, most merchants treat wallet and bank QR payments identically — settlement speed and reconciliation are the same.
Are there amount limits for MoMo payments?+
MoMo applies per-account limits based on the user’s verification tier, and your merchant configuration applies its own per-transaction and daily limits. For typical consumer amounts neither is a constraint.
Can I pay out to a MoMo wallet?+
Payouts are dispatched to bank accounts, which every MoMo user has linked. This avoids wallet-specific payout restrictions and keeps a single, dependable payout rail.
Start accepting payments today.
Create an account and go live, or talk to our team about your requirements.