East Asia & Pacific · GDP rank #30
Vietnam
VN · VND @ 0.0000379/USD
Tab 02
Consumer payments
How consumers actually pay: the share of cash, the stock and flow of cards, the scheme split at checkout, which mobile wallets matter, and how broadly POS acceptance reaches.
Every figure is authored against a named publisher — click the ⓘ anywhere to open the source panel with the underlying URL and access date.
Cash share of POS volume
Cash share of POS value
Debit-card penetration
Credit-card penetration
Payment mix
Cash vs. non-cash
The authored corpus for this country carries a single cash figure; the remainder is reported as a pooled non-cash bucket. See the card and wallet sections for the break-down within that bucket.
Share of POS
- Cash46%
- Non-cash (cards + wallets + A2A)54%
Cash behaviour
- Trend
- declining
- Context
- Cash share continues to fall; rural informality is the persistent drag. Street-vendor VietQR acceptance accelerated through 2025 — NAPAS reported daily QR transfers +85% YoY.
Source · State Bank of Vietnam (SBV)
Scheme share
Which networks clear the card volume
Scheme share is the split of general-purpose card purchase volume — not issuance, not count of cards. A high domestic share (e.g. UnionPay, RuPay, ELO) means a large share of card flow never touches a global scheme.
NAPAS is the domestic scheme — ~64% of debit issuance; Visa and Mastercard concentrated in urban credit.
Share of card volume
- Napas64%
- Visa21%
- Mastercard12%
- Jcb2%
- Amex1%
Debit transactions · 2024
Active debit cards
Credit transactions · 2024
Active credit cards
Mobile wallets
Where wallets actually land
User counts are the best single scalar for wallet reach, but they understate usage intensity in markets where one super-app carries multi-digit trillions of renminbi or rupees. For flow, see the rails tab.
Active users
- MoMo32.0M
super-app wallet
- VNPay8.5M
PSP + wallet
- ZaloPay7.5M
super-app wallet
- ShopeePay7.0M
super-app wallet
- Mobile Money (Viettel + VNPT + MobiFone)9.1M
telco-initiated wallets
Notable wallets
MoMo
super-app wallet
Operator · M_Service (Warburg Pincus + Goodwater Capital + Affirma + Mizuho)
Largest wallet; unicorn since 2021; commands ~58% of active wallet market.
MoMo
VNPay
PSP + wallet
Operator · VNPay (General Atlantic-backed)
Dominant in merchant acquiring; also operates VNPay-QR ubiquitous QR acceptance.
VNPay
ZaloPay
super-app wallet
Operator · VNG
VNG
ShopeePay
super-app wallet
Operator · Sea Group
Sea Group
Mobile Money (Viettel + VNPT + MobiFone)
telco-initiated wallets
Operator · Under SBV pilot
Pilot extended through end-2026 per Decision 316/QĐ-TTg revision; 71% of users in rural districts.
State Bank of Vietnam (SBV)
Acceptance
- POS terminals
- 660.0k
- POS per million people
- 6.6k
- QR acceptance
- VietQR national standard since 2022; operated by NAPAS; covers bank accounts, wallets and merchant issuance.
Source · NAPAS