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Vietnam · Banking & Payments
ZaloPay
ZaloPay is a popular mobile wallet integrated with the widely used Zalo messaging app, letting users pay, transfer, and top up directly from their chat app.
What it helps with
- QR payments and billsZaloPay pays VietQR codes, utility bills and phone top-ups.
- Sending money inside Zalo chatsMoney can be sent to contacts directly from Zalo conversations.
- Discounts at partner merchantsVouchers lower prices at cafés, cinemas and online shops.
About ZaloPay
Built on top of Zalo's huge existing user base (Vietnam's most popular messaging app), ZaloPay lets users make QR payments, transfer money to contacts, and pay bills without leaving the messaging ecosystem they already use daily.
Key Features
- QR Payments: Pay at shops, restaurants, and cafés by scanning a QR code.
- Peer-to-Peer Transfers: Send money instantly to Zalo contacts.
- Bill Payments: Pay utilities, mobile top-ups, and other recurring bills.
- Zalo Integration: Access payments directly within the Zalo messaging app you may already use.
How to Get Started
- Download ZaloPay or activate it within the Zalo app if already installed.
- Register with a Vietnamese phone number and confirm by SMS.
- Link a local bank account or top up your wallet balance.
- Use the wallet to pay by QR code, send transfers, or pay bills.
Before you use it
- Sign-up: Needs a Vietnamese phone number and identity verification; a linked Vietnamese bank account is required for full use.
- Good to know: ZaloPay also works in Japan at PayPay merchants through Alipay+ (June 2026).
Local number needed
Local ID needed
42
Frequently Asked Questions
- Does ZaloPay work with a foreign bank card in Vietnam?
- Not reliably - a foreign card may be declined. Check the notice above, or plan to use a local payment method.
- Is ZaloPay available in English?
- Not officially - the interface is mainly in the local language.
- Do I need a local phone number to use ZaloPay?
- Yes, ZaloPay requires a local phone number to register.
- Do I need local ID or residency for ZaloPay?
- Yes, ZaloPay requires local ID or residency status.
- Where can I use ZaloPay?
- iOS · Android
- How much does ZaloPay cost?
- Free wallet; most payments without fees
