{"id":22459,"date":"2026-04-17T14:38:43","date_gmt":"2026-04-17T14:38:43","guid":{"rendered":"https:\/\/www.wooshpay.com\/?p=22459"},"modified":"2026-04-17T14:38:45","modified_gmt":"2026-04-17T14:38:45","slug":"vietnam-payment-gateway-for-cross-border-merchants-local-payment-methods-tax-compliance-and-lower-costs","status":"publish","type":"post","link":"https:\/\/wooshpay.com\/fr\/resources\/2026\/04\/17\/vietnam-payment-gateway-for-cross-border-merchants-local-payment-methods-tax-compliance-and-lower-costs\/","title":{"rendered":"Passerelle de paiement au Vietnam pour les commer\u00e7ants transfrontaliers : M\u00e9thodes de paiement locales, conformit\u00e9 fiscale et r\u00e9duction des co\u00fbts"},"content":{"rendered":"

Se d\u00e9velopper au Vi\u00eat Nam ne consiste plus seulement \u00e0 activer les paiements par carte. Pour les commer\u00e7ants transfrontaliers, le Vietnam est un march\u00e9 o\u00f9 l'acceptation des paiements, l'exp\u00e9rience de la caisse locale et la conformit\u00e9 doivent d\u00e9sormais \u00eatre planifi\u00e9es ensemble. Les r\u00e8gles fiscales vietnamiennes en mati\u00e8re de commerce \u00e9lectronique et de plateformes num\u00e9riques sont devenues plus explicites \u00e0 partir du 1er juillet 2025, y compris des responsabilit\u00e9s plus claires en mati\u00e8re de retenue \u00e0 la source, de d\u00e9claration et de paiement dans certains sc\u00e9narios de plateforme avec fonction de paiement. Dans le m\u00eame temps, l'\u00e9cosyst\u00e8me de paiement local continue de se renforcer autour des paiements QR, des transferts li\u00e9s aux banques et des portefeuilles.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n
Pourquoi les cartes de cr\u00e9dit ne suffisent pas au Vi\u00eat Nam<\/h5>\n\n\n\n

Les cartes de cr\u00e9dit restent importantes pour les transactions internationales, les abonnements et les paiements transfrontaliers. Mais au Vietnam, les cartes seules sont rarement suffisantes si un commer\u00e7ant veut localiser le paiement et maximiser la conversion. La Banque d'\u00c9tat du Vi\u00eat Nam a publi\u00e9 une norme technique de base pour les codes QR c\u00f4t\u00e9 client fin 2024, tandis que NAPAS met en avant son service FastFund 247 avec VietQR pour les transferts de compte \u00e0 compte via la num\u00e9risation QR. Cela montre \u00e0 quel point les paiements li\u00e9s aux banques locales et bas\u00e9s sur les codes QR sont devenus importants dans l'infrastructure de paiement du Vi\u00eat Nam.<\/p>\n\n\n\n

Pour les commer\u00e7ants, l'implication est simple : une caisse construite uniquement autour des cartes peut passer \u00e0 c\u00f4t\u00e9 d'une part importante des intentions de paiement locales. Une caisse combinant les cartes et les m\u00e9thodes locales correspond mieux \u00e0 la fa\u00e7on dont les clients vietnamiens paient d\u00e9j\u00e0 en ligne et sur mobile. C'est pourquoi la localisation n'est pas seulement une am\u00e9lioration de l'exp\u00e9rience utilisateur, mais une n\u00e9cessit\u00e9 commerciale.<\/p>\n\n\n\n

M\u00e9thodes de paiement locales au Vietnam que les commer\u00e7ants doivent prendre en charge<\/h5>\n\n\n\n

Une strat\u00e9gie de paiement solide au Vi\u00eat Nam doit couvrir \u00e0 la fois les cartes internationales et les m\u00e9thodes locales que les clients connaissent d\u00e9j\u00e0.<\/p>\n\n\n\n

Cartes locales et paiements li\u00e9s aux banques<\/h3>\n\n\n\n

Les cartes locales et les services bancaires en ligne restent importants au moment du paiement, en particulier lorsque les commer\u00e7ants souhaitent soutenir les flux de paiement directement li\u00e9s \u00e0 la banque. La NAPAS positionne VietQR et FastFund 247 comme un service de transfert QR de compte \u00e0 compte disponible dans toutes les banques membres, faisant des cartes locales et du comportement de paiement li\u00e9 \u00e0 la banque une partie essentielle du march\u00e9.<\/p>\n\n\n\n

MoMo<\/h3>\n\n\n\n

Les documents d'int\u00e9gration commerciale de MoMo montrent qu'ils prennent en charge les flux de paiement des sites web et des sites web mobiles par le biais du paiement bas\u00e9 sur les QR avec le portefeuille MoMo, ce qui en fait une option locale pertinente pour les commer\u00e7ants qui cherchent \u00e0 am\u00e9liorer la familiarit\u00e9 avec le paiement au Vi\u00eat Nam.<\/p>\n\n\n\n

ZaloPay<\/h3>\n\n\n\n

La documentation du d\u00e9veloppeur de ZaloPay montre que sa passerelle prend en charge plusieurs mod\u00e8les de paiement, y compris les cartes de guichet automatique, les services bancaires par Internet, les cartes internationales, Apple Pay et ZaloPay QR. Pour les commer\u00e7ants, cela rend ZaloPay utile non seulement en tant qu'option de portefeuille, mais aussi dans le cadre d'une strat\u00e9gie plus large de paiement localis\u00e9.<\/p>\n\n\n\n

ShopeePay<\/h3>\n\n\n\n

Le site vietnamien de ShopeePay indique qu'il s'agit d'un prestataire de services de paiement interm\u00e9diaire agr\u00e9\u00e9 par la Banque d'\u00c9tat du Vi\u00eat Nam, et sa page partenaire indique qu'il soutient la coop\u00e9ration des commer\u00e7ants en ligne et hors ligne. Cela fait de ShopeePay une autre m\u00e9thode locale pratique pour les commer\u00e7ants ciblant les consommateurs vietnamiens.<\/p>\n\n\n\n

VNPTPay<\/h3>\n\n\n\n

VNPTPay met en avant la prise en charge des paiements par portefeuille, de l'argent mobile, des cartes bancaires nationales et des cartes internationales, et indique qu'il est agr\u00e9\u00e9 et supervis\u00e9 par la Banque d'\u00c9tat du Vi\u00eat Nam. Il est donc int\u00e9ressant pour les commer\u00e7ants qui souhaitent ajouter une option locale famili\u00e8re \u00e0 la caisse.<\/p>\n\n\n\n

Comment WooshPay aide \u00e0 localiser la caisse au Vietnam<\/h5>\n\n\n\n

WooshPay aide les commer\u00e7ants \u00e0 soutenir \u00e0 la fois paiements par carte de cr\u00e9dit<\/strong> et un ensemble plus large de M\u00e9thodes de paiement locales au Vietnam<\/strong>, y compris Cartes locales, MoMo, Banque en ligne, ShopeePay, VietQR, VNPTPay et ZaloPay<\/strong>. En effet, les commer\u00e7ants n'ont pas \u00e0 choisir entre l'acceptation internationale et la pertinence locale. Ils peuvent maintenir la couverture des cartes pour les besoins transfrontaliers tout en proposant les m\u00e9thodes de paiement auxquelles les utilisateurs vietnamiens sont le plus susceptibles de faire confiance et qu'ils utilisent.<\/p>\n\n\n\n

Cette combinaison am\u00e9liore concr\u00e8tement la localisation de la caisse. Lorsque les clients voient des m\u00e9thodes de paiement qui leur sont famili\u00e8res, le passage en caisse leur semble plus naturel, plus cr\u00e9dible et plus facile \u00e0 terminer. Pour les commer\u00e7ants, cela peut se traduire par une r\u00e9duction des frictions, une meilleure acceptation et des performances de conversion accrues.<\/p>\n\n\n\n

Conformit\u00e9 fiscale et optimisation des co\u00fbts<\/h5>\n\n\n\n

L'imp\u00f4t ne doit jamais \u00eatre consid\u00e9r\u00e9 comme une chose \u00e0 contourner. Au Vietnam, la r\u00e9glementation s'oriente vers une administration plus structur\u00e9e du commerce \u00e9lectronique et des transactions sur plateforme num\u00e9rique, en particulier lorsque des fonctions de paiement sont impliqu\u00e9es. Les commer\u00e7ants ont donc besoin d'une infrastructure de paiement qui favorise la clart\u00e9 op\u00e9rationnelle et la pr\u00e9paration \u00e0 la conformit\u00e9, et pas seulement le traitement des transactions.<\/p>\n\n\n\n

Dans le cadre du mod\u00e8le de service WooshPay d\u00e9crit ici, les commer\u00e7ants sont ne pas facturer s\u00e9par\u00e9ment un co\u00fbt suppl\u00e9mentaire de traitement de la taxe sur la cha\u00eene de paiement<\/strong>car ce composant est trait\u00e9e et absorb\u00e9e par WooshPay dans le cadre de la solution globale<\/strong>. Il ne s'agit pas d'\u00e9vasion fiscale. Il s'agit d'une structure de service qui centralise le traitement de cette partie de la cha\u00eene de paiement, de sorte que les commer\u00e7ants n'ont pas besoin d'assumer une charge autonome distincte \u00e0 cet \u00e9gard.<\/p>\n\n\n\n

Concr\u00e8tement, cela signifie que les commer\u00e7ants peuvent r\u00e9duire la fragmentation de la coordination, \u00e9viter des couches suppl\u00e9mentaires de co\u00fbts de gestion et entrer au Vietnam avec un mod\u00e8le d'exploitation plus pr\u00e9visible. L'avantage n'est pas \"moins de conformit\u00e9\", mais \"plus d'efficacit\u00e9\". un meilleur rapport co\u00fbt-efficacit\u00e9 dans le cadre d'un syst\u00e8me de paiement mieux organis\u00e9<\/strong>.<\/p>\n\n\n\n

L'importance pour les commer\u00e7ants transfrontaliers<\/h5>\n\n\n\n

Pour les commer\u00e7ants transfrontaliers, la question qui se pose au Vietnam n'est plus seulement : \"Pouvons-nous accepter les paiements dans ce pays ?\". Une meilleure question est : pouvons-nous soutenir les habitudes de paiement locales, maintenir l'acceptation des cartes, rester organis\u00e9s sur le plan op\u00e9rationnel et r\u00e9duire le co\u00fbt total en m\u00eame temps ?<\/p>\n\n\n\n

C'est l\u00e0 que WooshPay se distingue. En combinant les cartes avec les m\u00e9thodes de paiement locales au Vi\u00eat Nam, telles que les cartes locales, MoMo, la banque en ligne, ShopeePay, VietQR, VNPTPay et ZaloPay, et en structurant le service de mani\u00e8re \u00e0 ce que les commer\u00e7ants ne soient pas factur\u00e9s s\u00e9par\u00e9ment pour la gestion des taxes de la cha\u00eene de paiement, WooshPay offre aux commer\u00e7ants un moyen plus pratique d'augmenter leur activit\u00e9 au Vi\u00eat Nam.<\/p>\n\n\n\n

FAQ<\/h5>\n\n\n\n

Les commer\u00e7ants transfrontaliers doivent-ils penser \u00e0 la fiscalit\u00e9 lorsqu'ils acceptent des paiements au Vi\u00eat Nam ?<\/h3>\n\n\n\n

Oui. Le cadre vietnamien pour l'administration fiscale du commerce \u00e9lectronique et des plateformes num\u00e9riques est devenu plus explicite, en particulier \u00e0 partir du 1er juillet 2025. Les commer\u00e7ants doivent consid\u00e9rer la fiscalit\u00e9 et la conformit\u00e9 comme faisant partie int\u00e9grante de la conception du paiement, et non comme une r\u00e9flexion apr\u00e8s coup.<\/p>\n\n\n\n

Les cartes de soutien sont-elles suffisantes pour le Vi\u00eat Nam ?<\/h3>\n\n\n\n

En g\u00e9n\u00e9ral, non. Les cartes sont importantes, mais l'environnement de paiement du Vi\u00eat Nam est \u00e9galement fortement influenc\u00e9 par les m\u00e9thodes de paiement locales bas\u00e9es sur le code QR et li\u00e9es aux banques, telles que le VietQR, ainsi que par les portefeuilles et les flux bancaires en ligne.<\/p>\n\n\n\n

Quelles sont les m\u00e9thodes de paiement locales que WooshPay peut prendre en charge au Vi\u00eat Nam ?<\/h3>\n\n\n\n

Sur la base de l'ensemble des paiements d\u00e9crits ici, WooshPay prend en charge Cartes locales, MoMo, Banque en ligne, ShopeePay, VietQR, VNPTPay et ZaloPay<\/strong>, ainsi que les cartes de cr\u00e9dit.<\/p>\n\n\n\n

Comment WooshPay contribue-t-il \u00e0 r\u00e9duire les co\u00fbts globaux ?<\/h3>\n\n\n\n

WooshPay aide les commer\u00e7ants \u00e0 r\u00e9duire le co\u00fbt total de deux mani\u00e8res : premi\u00e8rement, en am\u00e9liorant la couverture des paiements locaux et l'efficacit\u00e9 des caisses ; deuxi\u00e8mement, en g\u00e9rant et en absorbant la composante fiscale de la cha\u00eene de paiement au sein de la solution, de sorte que les commer\u00e7ants n'ont pas \u00e0 payer s\u00e9par\u00e9ment ce co\u00fbt suppl\u00e9mentaire.<\/p>","protected":false},"excerpt":{"rendered":"

Expanding into Vietnam is no longer just about turning on card payments. For cross-border merchants, Vietnam is a market where payment acceptance, local checkout experience, and compliance now need to be planned together. Vietnam\u2019s e-commerce and digital-platform tax rules became more explicit from 1 July 2025, including clearer withholding, declaration, and payment responsibilities in certain […]<\/p>","protected":false},"author":1,"featured_media":22460,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","footnotes":""},"categories":[20,22,19],"tags":[2188,2191,2187,2192,2189,2190],"class_list":["post-22459","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-knowledge","category-online-payments","category-resources","tag-momo-payment","tag-shopeepay-payment","tag-vietnam-payment-gateway","tag-vietnam-payment-tax","tag-vietqr-payment","tag-zalopay-payment"],"yoast_head":"\nVietnam Payment Gateway for Cross-Border Merchants: Local Payment Methods, Tax Compliance, and Lower Costs - WooshPay<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ec2-35-179-65-51.eu-west-2.compute.amazonaws.com\/pt\/recursos\/2026\/04\/17\/vietnam-payment-gateway-for-cross-border-merchants-local-payment-methods-tax-compliance-and-lower-costs\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Vietnam Payment Gateway for Cross-Border Merchants: Local Payment Methods, Tax Compliance, and Lower Costs\" \/>\n<meta property=\"og:description\" content=\"Expanding into Vietnam is no longer just about turning on card payments. For cross-border merchants, Vietnam is a market where payment acceptance, local checkout experience, and compliance now need to be planned together. 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