Zalopay-Thanh toán & Tài chính

Zalopay – a payment and finance app for everyday needs: money transfer, QR code payment, e-wallet, expense management. Zalopay also connects you with licensed financial partners to apply for quick, transparent online loans, with approval and instant disbursement within the app.

▶ ONLINE LOANS FROM FINANCIAL PARTNERS
Zalopay is an intermediary platform connecting you with reputable financial partners. You can compare conditions and apply for unsecured consumer loans directly within the app – from quick online loans to long-term installment loans. No need to install additional online loan apps or separate quick loan apps: the loan feature is integrated into your existing Zalopay wallet.

• Register 24/7, completely online
• Fast online loan: submit application, get approved, and sign contract on your phone
• Get quick cash, borrow money immediately after your application is approved by our partner
• Disbursement to your Zalopay account, use immediately for payments and money transfers
• Flexible installment loans, limits and terms vary depending on the credit product
• Track your loan, repayment schedule, and reminders directly in the app

• Conditions, interest rates, and fees are clearly displayed before signing the loan contract

LOAN INFORMATION

• Loan amount: 3,000,000 VND – 50,000,000 VND

• Repayment term: minimum 3 months, maximum 36 months

• Maximum interest rate (APR): 35%/year, depending on the application and financial partner

Zalopay does not directly provide loans. All online loans are assessed and approved by licensed financial partners. Services provided and managed by Zalopay partners.

▶ POSTPAID WALLET – BUY NOW, PAY LATER
Pay now, pay later with Zalopay's paylater wallet. Buy now, pay later for bills, shopping, and mobile phone top-ups, splitting payments into smaller installments.

▶ 24/7 BANK TRANSFER
Fast money transfer app, 24/7 interbank transfers, instant processing. Transfer money from linked bank accounts, Zalopay wallet, or postpaid wallet to over 42 banks.

▶ SCAN QR CODE – EASY PAYMENT
Scan bank QR codes and e-wallet QR codes in Vietnam directly on Zalopay. One QR code scan is all it takes: pay for goods, transfer money to shops, right in Messenger chat.

▶ INTERNATIONAL QR CODE SCAN – PAY IN 60 COUNTRIES(*)
International QR code payments are as simple as in Vietnam. Currently supported in 11 countries/territories: Thailand, Singapore, Japan, South Korea, Malaysia, China, Hong Kong, Philippines, Laos, Cambodia, and the United States.

* Expected to expand to 60 countries by the end of 2026.

▶ VIETLOTT SMS – OFFICIAL, SAFE, TRANSPARENT
Buy official Vietlott SMS tickets on Zalopay, no extra fees, from only 10,000 VND/ticket. Viettel, MobiFone, and VinaPhone subscribers can buy tickets directly on their phones and receive prizes directly on the app.

▶ MANAGE EXPENSES & SAVE MONEY
This financial app helps you manage your daily personal expenses, track income and cash flow, save money with earning balances and other investment products. Receive cashback and offers when paying.

▶ PAYMENT SOURCES
• ZaloPay balance
• Linked bank account
• Transfer from bank app
• Apple Pay
• Visa, Mastercard, JCB
• Postpaid account

▶ THOUSANDS OF UTILITIES
• Pay off loans from 20+ financial companies, repay credit card debt from 50+ banks
• Calculate net/gross salary: automatically calculates personal income tax, social insurance (BHXH), health insurance (BHYT)
• Pay electricity, water, internet, and television bills
• Top up mobile phone credit, top up mobile phone cards, top up data
• Book flights, bus tickets, hotels, and movie tickets
• Shop on Lazada, Tiki, TikTok Shop…
• Book rides and order food via Grab, Be, Green SM…
• Top up Google Play, games, and entertainment services

▶ SECURITY & LEGALITY
• Licensed by the State Bank of Vietnam Payment intermediary
• PCI DSS Level 1 and ISO 27001 certified
• Authentication via OTP, fingerprint, and FaceID

Download Zalopay – payment & finance app: e-wallet, money transfer, QR code payment, expense management, and online loan connection from licensed financial partners.

CONTACT INFORMATION
24/7 Customer Service Center: Email hotro@zalopay.vn