Vietnam PSP Fee Comparator
Model your blended payment-processing cost in Vietnam across cards, e-wallets, and bank transfer/QR — and see the working capital tied up while payments settle. Adjust the mix and rates to your business.
Estimated processing cost
| Blended take-rate | 1.76% |
|---|---|
| Monthly processing cost | USD 880.00 |
| Annual processing cost | USD 10,560.00 |
| Working capital in settlement | USD 3,333.33 |
Fees take 1.76% of what you process: USD 880.00 a month.
Estimate only. Real rates are provider- and merchant-specific and negotiable at volume; some providers add per-transaction or fixed monthly fees not modelled here. Bank transfer / VietQR is usually the cheapest rail; international cards the most expensive.
How it's calculated
- Blended take-rate = Σ (method share × method fee) ÷ total share
- Monthly cost = monthly revenue × blended take-rate
- Working capital in settlement = monthly revenue × (settlement days ÷ 30) — cash tied up in transit
Vietnam is going cashless fast — cashless payments reached roughly 28× GDP in 2025 and QR-code volume grew ~51%. The cheapest rail is usually bank transfer / VietQR (NAPAS), then e-wallets (MoMo, ZaloPay, VNPay), with international cards the most expensive. Shifting mix toward QR/A2A is the biggest lever on your blended rate. See the payments overview and how to accept payments guide.
Related Resources
Frequently asked questions
What are typical payment-processing fees in Vietnam?
Merchant discount rates in Vietnam typically land around 1.5%–2.5%, but the exact figure depends on the rail (bank transfer/QR vs wallet vs card), your monthly volume, your category, and your negotiated contract. Treat any single number as indicative and confirm current rate cards with each provider.
Which is cheapest: cards, e-wallets, or bank transfer / QR?
Bank-rail and QR payments (e.g. VietQR) are usually the cheapest to accept, wallets sit in the middle, and card payments — especially international cards — tend to be the most expensive. Your blended cost is driven by the mix of methods your customers actually use.
What is the settlement working capital this tool shows?
Funds you process are not paid out instantly — providers hold them for a settlement period (often 1–3 days). Working capital = monthly revenue × settlement days / 30, i.e. the cash tied up in the float at any time.
How do I lower my blended payment cost in Vietnam?
Shift volume toward cheaper rails (encourage VietQR/bank transfer), negotiate rates as volume grows, and limit high-cost international card acceptance to where it is needed. Small mix shifts move the blended rate more than headline fee differences.