What is SePay Payment Gateway?
SePay Payment Gateway is Vietnam's leading online payment processing platform, enabling businesses and developers to integrate diverse payment methods into their website or application in a single integration — without connecting separately to each bank or card network.
SePay acts as the intermediary between your website/application and the banking system, international card networks, and the NAPAS gateway, handling the entire payment flow from order creation to transaction confirmation.
- QR bank transfer (VietQR): online activation in ~30 minutes, start receiving payments immediately after setup.
- NAPAS gateway (VietQRPay) & international credit/debit cards: approval typically takes 3–5 days to 2 weeks depending on merchant profile — contact our sales team for details.
While waiting for production approval, you can register and try the Sandbox environment right away to complete your integration. Register at my.sepay.vn.
Supported Payment Methods
SePay Payment Gateway supports three main groups of payment methods:
Customers scan a VietQR QR code using their banking app to transfer money directly to your account. Funds arrive in your bank account without passing through any intermediate wallet. Supports both personal and business bank accounts, with automatic real-time transaction confirmation and a fixed fee per transaction.
A QR payment gateway following the NAPAS standard — SePay is an officially authorized NAPAS partner. Uses VietQRPay and VietQRGlobal technology. Funds arrive at your bank in real time with clean money flow that is easy to reconcile.
Accept payments via Visa, Mastercard, and JCB cards. A collaborative product between SePay, VPBank, and Mastercard's MPGS. Supports international credit and debit cards with 3D Secure security standard.
Key Features
SePay Payment Gateway is built to solve common payment challenges for Vietnamese businesses:
Integrate once via API or SDK to receive payments across multiple methods. No need to sign separate contracts with each bank.
When a transaction succeeds, SePay automatically sends a notification to your IPN endpoint in real time, enabling your system to automatically confirm orders without any additional user action.
Customize URLs to redirect customers after a successful, failed, or canceled payment — fitting naturally into each system's UX flow.
SePay provides account balance change webhooks, allowing developers to build a fully custom payment gateway for their website without relying on the default checkout form.
All features can be tested in the Sandbox environment before going to production, ensuring accurate integration without affecting real transactions.
Register and activate your payment gateway fully online, with no complex paperwork. With VietQR, you can start receiving payments in as little as 30 minutes.
Card payments comply with 3D Secure (3DS) and PCI DSS via our MPGS partnership with Mastercard. Every transaction is encrypted and authenticated before processing.
SePay is an authorized NAPAS partner, ensuring compliance with the technical and legal standards of the national payment system.
Who Should Use SePay?
SePay Payment Gateway serves many integration needs — from developers building directly with the API to no-code users:
Developers integrate directly through SePay's RESTful API. Full control over checkout UX — ideal for custom systems, mobile apps, or multi-tenant SaaS architectures.
SePay provides official SDKs for PHP and Node.js to shorten integration time. A good fit for backend teams who want a ready-made library instead of implementing signatures, retries, and error handling themselves.
E-commerce stores running on WordPress/WooCommerce or Haravan can install the official plugin and configure merchant_id/secret_key — no coding required.
Individuals, small shops, and freelancers who do not want to code can create a QR payment link directly at my.sepay.vn and send the link to customers to collect payment.
If you are an individual or small business, start with QR bank transfer (VietQR) — it is the fastest to activate and has the lowest fees. International card payments and the NAPAS gateway are better suited for larger businesses or those serving international customers.
Payment Flow
At the business level, a SePay transaction goes through 5 main steps — from the moment a customer clicks "Pay" until the merchant records a successful order:
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Customer selects checkout — On the merchant's website/app, the customer picks a product and clicks the pay button.
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Merchant creates the order — The merchant's system creates an order on SePay with the amount, description, and callback URLs; receives back a payment link or QR code.
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Customer completes payment — The customer chooses a payment method (VietQR, NAPAS QR, or international card) and completes the transaction.
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Bank / NAPAS confirms — The transaction is processed and confirmed by the issuing bank or the NAPAS gateway.
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Merchant updates the order via IPN — SePay sends an IPN webhook to the merchant's endpoint to automatically update order status. The customer is redirected to
return_urlto see the result.
This page describes the flow at a business level. For the API-level sequence diagram (endpoints, payloads, signatures, the checkout/init flow), see Orders — Create Payment Form.
Do not rely solely on return_url to confirm orders, as customers may close the browser before being redirected. Always use the IPN Webhook to update order status on the server side.
Environments
| Environment | Base URL |
|---|---|
| Production | https://pgapi.sepay.vn |
| Sandbox | https://pgapi-sandbox.sepay.vn |
Authenticate using Basic Auth: Authorization: Basic base64(merchant_id:secret_key)
If you are just getting started, use the Sandbox environment to test before switching to Production. Register an account at my.sepay.vn to receive your Sandbox credentials immediately.
Next Steps
Now that you understand SePay Payment Gateway:
- Start integrating — Step-by-step guide to integrating the payment gateway into your website or application
- API Authentication — Learn how to authenticate with the SePay API and find the base URLs for Sandbox and Production
Begin with the Sandbox environment to test your integration without affecting real transactions. Register an account at my.sepay.vn to receive your Sandbox credentials immediately.