What is SePay Bank Hub?

Introduction

SePay Bank Hub is a centralized bank connectivity platform that enables SePay partners to:

Link and manage bank accounts
Monitor transactions in real time
Receive event notifications via webhooks
Manage banking data securely and in a standardized manner

Bank Hub provides a combination of Hosted Link (WebView) and RESTful APIs, allowing partners to avoid building complex banking user interfaces while still ensuring a high-quality user experience and strong security.

Who Should Use SePay Bank Hub?

SePay Bank Hub is ideal for products that need to connect bank accounts for authentication, transaction synchronization, and cash flow management:

E-commerce & Marketplaces

Verify payments, track transactions in real time, and automatically reconcile revenue.

Enterprise Cash Flow Management Systems

Automatically record balance changes, reconcile income and expenses, and generate centralized cash flow reports.

Financial & Accounting Platforms

Connect multiple bank accounts, synchronize data, and control cash flow on a single platform.

Banking API Integration Services

Quickly integrate via WebView, with webhook events and APIs to automate workflows.

Workflow Overview

Diagram

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Supported Banks

Bank Hub currently supports connections with the following banks:

Bank	Account Types	Features
VPBank	Personal (for VPBank NEO)	Main account Incoming Sync
	Household Business (for VPBank NEO)	VA-only deposits Incoming Sync
	Business coming soon	—
TPBank	Personal	Main account Incoming/Outgoing Sync Balance Sync
TPBank	Household Business Business	Main account Incoming/Outgoing Sync Balance Sync
Vietinbank	Personal	Main account Incoming/Outgoing Sync Balance Sync
Vietinbank	Household Business Business coming soon	Main account Incoming/Outgoing Sync
ACB	Personal	Main account Incoming/Outgoing Sync
ACB	Household Business Business	Main account Incoming/Outgoing Sync
BIDV	Personal Household coming soon	VA-only deposits Incoming Sync
BIDV	Business coming soon	—
MBBank	Personal Household Business	Main account Incoming/Outgoing Sync
MBBank	Business	Main account Incoming/Outgoing Sync
OCB	Personal	VA-only deposits Incoming Sync
OCB	Household coming soon Business coming soon	—
KienLongBank	Personal Household Business	VA-only deposits Incoming Sync
KienLongBank	Business	VA-only deposits Incoming Sync
MSB	Personal Household Business	VA-only deposits Incoming Sync
MSB	Business	VA-only deposits Incoming Sync

Coming soon — Virtual Account (VA) management: create, list, and deactivate VAs via API or Dashboard. The feature is under development and will be available on Bank Hub soon.

Bank-specific notes

VietinBank (personal and household) — Mandatory SEVQR prefix in transfer description

For VietinBank accounts linked via Bank Hub, the system automatically prepends SEVQR to the transfer description when generating a payment QR. Senders must preserve this prefix — if it is removed or modified, SePay cannot identify the transaction and the webhook will not be delivered.

OCB, MSB, KienLongBank, TPBank — "Unlink" only deactivates within Bank Hub

For these four banks, the "Unlink" action only deactivates the account inside Bank Hub; the bank-side link remains intact. To restore access, partners can contact SePay to manually re-activate the account without re-authenticating via OTP.

Notes

Live environment: Used for production with real bank accounts
Sandbox environment: Used for testing and development with demo accounts View banks available in Sandbox
The list of supported banks is updated regularly. Please contact SePay for the latest details.

Why Choose SePay Bank Hub?

Fast Integration

Connect and link bank accounts in just a few minutes via hosted link, without building your own banking UI.

Bank-grade Security

No bank passwords required. All operations are performed through web view with end-to-end encryption.

Comprehensive API & Webhooks

Provides a full set of RESTful APIs and webhooks to manage accounts, transactions, and synchronize data in real time.

Reduce Manual Operations

Automatically receive transactions, sync balances, and reconcile, reducing errors and saving operational time.

Save Development Costs

No need for separate development teams for each bank. One integration connects to multiple banks.

Real-time Transaction Tracking

Receive instant balance change notifications via IPN webhook, updating transaction status immediately in your system.

Standardized Data

All data from different banks is standardized into a unified format, making it easy to process and manage.

Smooth User Experience

Bank linking interface is optimized for both desktop and mobile with user-friendly error handling.

Hosted Link Integration Methods

What is Hosted Link?

Hosted Link is a pre-built WebView interface by SePay, allowing end users to securely link or unlink bank accounts. Partners don't need to build complex banking UI themselves, just embed the hosted_link_url (created from Link Token API) into their application via iframe or JavaScript SDK. Hosted Link ensures a standardized user experience, high security, and compliance with each bank's authentication process.

SePay Bank Hub supports two methods for integrating the Hosted Link interface:

Iframe / WebView

Embed the hosted link directly into your website or mobile app via an iframe or WebView.

JavaScript SDK

Integrate via the SDK to gain better control over the session lifecycle, events, and callbacks.

Next Steps

To get started with SePay Bank Hub integration, follow these steps:

Quick Start - Step-by-step guide to integrate Bank Hub into your application
Sandbox Information - Get test account credentials for testing
API Reference - View all available APIs

Tip

If you're just getting started, use the Sandbox environment to test before switching to Production.