ZaloPay — accept payments from Zalo’s payment wallet
CVPay is a Singapore-licensed payment provider that lets businesses accept VND payments from ZaloPay users through interoperable QR codes, with automatic order matching and webhook confirmation.
What is ZaloPay?
ZaloPay is the payment wallet connected to Zalo, Vietnam’s most popular messaging app. That connection gives it an enormous built-in audience: paying through ZaloPay feels native to users who already spend much of their day inside Zalo chats.
Thanks to Vietnam’s QR interoperability, ZaloPay users can scan and pay any compatible QR code. CVPay issues dynamic, order-bound QR codes that ZaloPay recognizes — so you reach its user base without a wallet-specific integration.
Key facts
- Method type
- E-wallet (QR-based, interoperable)
- Ecosystem
- Connected to Zalo, Vietnam’s leading messaging platform
- 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 per account tier; merchant limits follow your configuration
How it works with CVPay
Accepting payments (pay-ins)
Create an order and present the returned QR. The customer scans it from ZaloPay, confirms the pre-filled amount, and your webhook receives the result. Amounts and references are embedded in the QR, so reconciliation is automatic and underpayment is designed out.
Sending payouts
Disbursements ride the VND fast-transfer network to any Vietnamese bank account — the universal payout rail that covers wallet users as well. Optional recipient-name verification reduces failed transfers before they happen.
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 ZaloPay merchant account?+
No. CVPay’s interoperable QR codes are payable from ZaloPay directly. You integrate once with CVPay and cover ZaloPay, other wallets, and all major banking apps.
How fast are ZaloPay payments confirmed?+
The customer sees instant confirmation in the app, and your order is updated through webhook typically within 1–3 minutes.
What amounts can customers pay?+
ZaloPay applies its own per-account limits by verification tier; your merchant configuration adds per-transaction and daily limits. Typical consumer payment sizes clear both comfortably.
Does the same QR work for non-ZaloPay users?+
Yes — the identical QR is payable from other wallets and from any major Vietnamese banking app, which is exactly why the interoperable standard is worth building on.
Start accepting payments today.
Create an account and go live, or talk to our team about your requirements.