CVPay
Solutions · Pay-ins

Collect payments in Vietnam, the Philippines and USDT

Updated 2026-10-24

Short answer

CVPay pay-ins let a business collect from customers in Vietnam and the Philippines by bank transfer, QR code and e-wallet, and collect USDT, through one merchant account and one API. Every status change is sent to you as a signed webhook. Which methods to show depends on where your customers are and what they already have on their phones.

Why local methods matter

In Vietnam and the Philippines most online payments are bank transfers, QR payments and e-wallet payments rather than cards. A checkout that only takes cards leaves out a large share of customers.

Which pay-in method for which customer in Vietnam

Most Vietnamese customers pay from a banking app or a wallet app. A useful Vietnamese checkout usually starts with a bank QR code and adds the wallets your customers keep a balance in.

  • VietQR: a QR code that any participating Vietnamese banking app can scan; the default for customers who pay from their bank.
  • MoMo: a widely used wallet app, useful for mobile-first customers who keep a wallet balance.
  • ZaloPay: built into the Zalo messaging app, useful when sales conversations happen in Zalo chats.
  • Viettel Money: Viettel’s e-wallet and Mobile Money service, with reach outside the big cities, including customers who rarely use a banking app.

Which pay-in method for which customer in the Philippines

In the Philippines, wallets carry a large share of everyday online payments, and QR Ph connects them with bank apps.

  • GCash: the wallet many Filipino customers reach for first.
  • Maya: a wallet and digital bank, often used alongside GCash.
  • QR Ph: the national QR standard, which lets customers pay from participating wallets and banking apps by scanning one code.
  • GrabPay: the wallet inside the Grab app, relevant if your customers already pay for rides and food there.

How a pay-in moves from checkout to “paid”

  • Your system creates an order with its own reference and asks for a payment in the chosen method and currency.
  • The customer sees a QR code, transfer details or a wallet prompt, and pays in the app they already use.
  • The payment status changes, and a signed webhook tells your system; you verify the signature before marking the order paid.
  • If a webhook is missed, a status query recovers the result, so the order never stays “pending” by mistake.

What a good pay-in flow looks like

  • The customer sees the methods they already use: QR and bank transfer for bank-app users, wallets for wallet users.
  • Each payment carries an order reference so it reconciles without manual matching.
  • Your system treats only the signed webhook, or a status query, as proof of payment.
  • Underpayments, overpayments and expired orders are handled explicitly.
  • On mobile, the page clearly shows “waiting for payment” after the customer switches to a wallet or bank app, and lets them reopen the payment when they come back.

Collecting USDT next to local currency

Some customers prefer to pay in USDT. Show the network next to every deposit address, accept only the networks you support, and treat a USDT payment exactly like a local one: an order reference, a signed webhook, and daily reconciliation.

CVPay pay-in facts

These are the product facts you can rely on:

  • Pay-ins support three kinds of method: bank transfer, QR code and e-wallet.
  • Pay-in methods include VietQR, MoMo, ZaloPay and Viettel Money in Vietnam, and GCash, Maya, GrabPay and QR Ph in the Philippines.
  • CVPay supports three currencies, VND, PHP and USDT, in both directions: collecting and paying out.
  • Its local fiat markets are Vietnam and the Philippines.
  • USDT is supported on three networks: TRC20, BEP20 and Solana.
  • One merchant account and one API cover all three currencies.
  • Payment status changes are sent as webhook callbacks, and every callback is signed.
  • Merchants are onboarded after a KYB review. A sandbox environment is opened first, and the sandbox is isolated from production.

Statements about CVPay on this page are limited to verifiable product facts. Ask us for anything not listed here before relying on it.

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Frequently asked questions

Which pay-in methods does CVPay support?
Bank transfer, QR code and e-wallet. By country: VietQR, MoMo, ZaloPay and Viettel Money in Vietnam; GCash, Maya, GrabPay and QR Ph in the Philippines.
Can I collect USDT?
Yes. USDT is supported on TRC20, BEP20 and Solana.
Do I need a separate integration for each country or currency?
No. One merchant account and one API cover VND, PHP and USDT, so Vietnam, the Philippines and USDT share the same integration.
How does my system know a customer has paid?
Payment status changes are sent as webhook callbacks, and every callback is signed. Verify the signature before you mark an order paid.
Are all pay-in methods enabled on every merchant account?
Not automatically. The methods enabled on a specific merchant account are confirmed during onboarding, so check before you show a method at checkout.
How do I start?
Register a merchant account and complete the KYB review. A sandbox is opened first, isolated from production, so you can test pay-ins before going live.

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