RedotPay vs MoMo, ZaloPay, and ShopeePay: different products, different jobs

The SBV list of non-bank institutions licensed to provide payment intermediary services (snapshot as at 31 October 2025) names M_SERVICE, ZION, and ShopeePay JSC among licensed providers. Those wallets are built for local VND transfers, bills, e-commerce checkout, and in-ecosystem spend. Naming them here is descriptive context—not a ranking, and not a claim that RedotPay is better for every domestic VND payment.

Two questions, two answers:

• Does RedotPay restrict Vietnam? No. On 17 September 2026 Vietnam appears on none of the unsupported-country, card-issuance, or card-delivery Help Center pages.
• What has the Government published? Resolution No. 05/2025/NQ-CP of 9 September 2025 (official English PDF hosted by the State Securities Commission) sets a pilot implementation of the crypto-asset market in Vietnam for a five-year period from that date. This guide has not retrieved an official English government text of the Law on Digital Technology Industry 2025 in this review, so that statute is not quoted here beyond noting that secondary commentary often pairs it with the Resolution — treat the Resolution PDF as the primary citation. This guide has also not verified that any crypto exchange had received a final operating licence under the pilot as of this review date.

RedotPay not listing Vietnam does not override Vietnamese law. This page is not legal advice.

RedotPay is aimed at crypto-funded international card spend: overseas merchants, subscriptions, ads, and travel-related payments that local VND wallet rails may not cover well. Confirm eligibility in the app.

• Virtual card application: $10.00; with SAVE2 (20% off) target $8.00 if applied in-app.
• Physical card application: $100.00; with DZ100 (20% off) target $80.00 if applied.
• Account maintenance: waived.
• Transaction fee (crypto conversion): 1.00%. Example: $20.00 spend → $20.20 when that fee applies.
• Non-default currency transaction: 1.20%.

Confirm every amount on the app checkout screen before payment.

• Do not assume a RedotPay card tops up MoMo, ZaloPay, or ShopeePay—or the reverse.
• Do not assume a Vietnam e-wallet QR payment and a RedotPay card are interchangeable at every merchant.
• Do not invent billing addresses or region settings to force acceptance.
• For VietQR and NAPAS 247 (bank / QR rails), see the VietQR / NAPAS guide.

Keep MoMo, ZaloPay, or ShopeePay for everyday Vietnam life. Use RedotPay when you need an international card after funding with crypto — and after you have read Resolution 05/2025/NQ-CP. Start with registration, KYC, then a virtual card if Card is available—enter SAVE2 or DZ100 only at card checkout.