What VietQR and NAPAS 247 are for
NAPAS's service page for Chuyển nhanh NAPAS 247 bằng mã VietQR describes 24/7 real-time interbank transfers by scanning a VietQR code, following EMVCo QR standards and the SBV basic QR standard. Together they solve everyday Vietnam life: person-to-person, merchant QR, and bank transfers. Naming them here is descriptive infrastructure context—not a ranking. This guide does not republish undated NAPAS customer-count marketing figures from the homepage.
Resolution 05/2025/NQ-CP — crypto pilot context
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 (SSC-hosted English PDF) establishes a five-year pilot of the crypto-asset market. An official English text of the Law on Digital Technology Industry 2025 was not retrieved in this review and is therefore not quoted. This review has not verified a final licensed retail crypto exchange under the pilot.
RedotPay not listing Vietnam does not override Vietnamese law. This page is not legal advice.
What RedotPay is for
Local QR and instant bank rails solve domestic VND well. They do not automatically unlock every overseas subscription, SaaS, ads, or foreign e-commerce checkout that expects an international card network. RedotPay addresses that second job after KYC and funding with crypto. 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.
They are not the same product
| Topic | VietQR / NAPAS 247 | RedotPay |
|---|---|---|
| Primary job | Domestic VND QR and instant bank transfers | Crypto-funded international card spend |
| Typical funding | Bank account / linked wallet | Crypto / in-app balance after KYC |
| Cross-border online card checkout | Not what these rails are for | Core job when the merchant accepts the network |
What not to assume
- Do not assume a RedotPay card can send or receive VietQR / NAPAS 247 transfers.
- Do not assume scanning a VietQR code and paying with a RedotPay card are the same checkout path.
- Do not invent billing addresses or region settings to force acceptance.
- For MoMo / ZaloPay / ShopeePay wallet context, see the local wallets guide.
A practical split for Vietnamese users
Keep VietQR and NAPAS 247 (via your bank or wallet) for everyday VND payments. Use RedotPay when you need an international card after funding with crypto. Start with registration, KYC, then a virtual card if Card is available—enter SAVE2 or DZ100 only at card checkout.
Frequently asked questions
Can RedotPay replace VietQR in Vietnam?
No. VietQR is a domestic QR interoperability standard on NAPAS rails. RedotPay is a different, crypto-funded international card product.
Is RedotPay part of NAPAS 247?
No. NAPAS 247 is Vietnam’s instant bank-transfer infrastructure. RedotPay is an international card product after KYC—different rail and job.
Is RedotPay available in Vietnam?
As of 17 September 2026, Vietnam is not named on the official unsupported-country, card-issuance, or physical-delivery restriction pages. Confirm your own app result.
Which promo code should I use?
SAVE2 for virtual cards or DZ100 for physical cards at card checkout—not in the registration referral field.