ZaloPay
ZaloPay is an e-wallet and payment app from ZION Joint Stock Company in Ho Chi Minh City, founded in 2016.
What ZaloPay is
ZaloPay is an e-wallet and payment app from ZION Joint Stock Company in Ho Chi Minh City, founded in 2016. It supports Android, iOS, and API connections for transfers and service payments. Users can send money through a phone number, contacts, or QR code, including from a Zalo chat, and can attach a message or greeting card. Payments cover bills, mobile top-ups, online shopping, travel tickets, entertainment, and QR checkout. ZaloPay lists hundreds of services and thousands of payment locations across Vietnam, plus links to multiple banks. Wallet-balance and linked domestic-bank payments are listed as free. Customer-initiated transfers have a monthly free allowance of 5,000,000 VND; afterward, the listed charge is 3,100 VND plus 0.65% of the transaction value. ZaloPay says it holds PCI DSS and ISO 27001 certifications.
Good
- Transfers by phone, contacts, or QR
- Works from Zalo chat
- Supports bill and service payments
- Links multiple banks
- PCI DSS and ISO 27001 certifications
Watch out
- Fees apply after monthly allowance
- Some card transactions incur fees
- Sensitive payment and location data processed
- Hotline costs 1,000 VND per minute
Who it suits
ZaloPay suits people in Vietnam who need wallet transfers, bill payments, shopping, and QR payments across Android or iOS. Businesses can use its app-to-app payment SDK.
Verdict
ZaloPay covers transfers and many everyday payments, with Zalo integration and bank linking. Review transaction allowances, fee conditions, and data-handling details before relying on it for regular payments.
Plans and prices
From ZaloPay's own pricing page, checked 11 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| ZaloPay | Free | Free transfers between ZaloPay wallets; other transaction fees and limits vary by transaction type |
The facts
Each one read from ZaloPay's own pages, with the date it was checked.
What it does
- Availability
- The maker’s operating rules list ZaloPay downloads for iOS and Android and say there are no other download addresses for the app.checked 11 Oct 2026
- Bank links
- The site lists support for linking multiple banks to one ZaloPay account, including Vietcombank, BIDV, Sacombank, and others.checked 11 Oct 2026
- Business support
- The site lists [email protected] for business registration inquiries and says merchant fees are set by agreement with ZION.checked 11 Oct 2026
- Customer support
- The site lists support at 1900 545 436 and [email protected], and a security-report address at [email protected].checked 11 Oct 2026
- Exchange-rate model
- variablechecked 22 Sep 2026
- Fees
- The fee schedule lists free wallet-balance and linked domestic-bank payments, while some international-card transactions and transfers above a monthly free allowance incur fees.checked 11 Oct 2026
- Fraud guidance
- ZaloPay advises users never to disclose PINs, passwords, or OTPs and says it will not ask users to provide login credentials together by phone or email.checked 11 Oct 2026
- Merchant network
- The site says ZaloPay supports hundreds of services and thousands of payment locations across Vietnam.checked 11 Oct 2026
- Partner payments
- ZaloPay provides an app-to-app SDK so partner apps can route users to ZaloPay to complete a payment and return a response.checked 11 Oct 2026
- Payment features
- ZaloPay supports QR payments at merchant counters and online payments, including shopping and bill payment.checked 11 Oct 2026
- Payments
- The app lists bill payment, mobile top-ups, online shopping, checkout QR payments, travel tickets, and entertainment services.checked 11 Oct 2026
- Personal data
- ZION's privacy policy says payment-intermediary services may process sensitive personal data, including identity, account, funds, transaction, and location data.checked 11 Oct 2026
- Privacy
- ZION’s privacy policy says it processes personal data to provide services and identifies payment, account, transaction, and location information as sensitive data for licensed payment-intermediary services.checked 11 Oct 2026
- Product
- ZaloPay is a payment app for transferring money and paying for services, including within Zalo chat.checked 11 Oct 2026
- Security
- ZaloPay says it holds PCI DSS and ISO 27001 information-security certifications.checked 11 Oct 2026
- Security certifications
- ZaloPay says it has PCI DSS and ISO 27001 information-security certifications.checked 11 Oct 2026
- Support
- Customer support is listed at 1900 545 436 and [email protected]; the site says the hotline costs 1,000 VND per minute.checked 11 Oct 2026
- Transfer features
- Wallet-to-wallet transfers can use a phone number, contacts, or QR code, and users can attach a message or greeting card.checked 11 Oct 2026
- Transfer limit
- Customer-initiated transfers have a monthly free allowance of 5,000,000 VND, after which the fee is 3,100 VND plus 0.65% of the transaction value.checked 11 Oct 2026
- Transfers
- Users can transfer money using a phone number, contacts, or a QR code, and add a message or greeting card.checked 11 Oct 2026
The company
- Company and licensing
- ZaloPay is a product of ZION Joint Stock Company, which the site lists as licensed by the State Bank of Vietnam to provide payment gateway, collection and disbursement support, and e-wallet services.checked 11 Oct 2026
- Headquarters
- Ho Chi Minh City, Vietnamchecked 28 Sep 2026
Money
- Free plan
- Yeschecked 22 Sep 2026
Where it runs
- Mobile platforms
- bothchecked 22 Sep 2026
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