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How to Use QR Payments in Vietnam with Trust Wallet
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Learn how Trust Wallet lets you initiate QR payment flows in Vietnam using VietQR codes. Users spend digital assets from their wallet while merchants receive local currency through a settlement partner.
Key Takeaways:
VietQR is Vietnam's national QR payment standard that works across banks and digital wallets.
QR payments are widely used in Vietnam, from street vendors to major retailers.
Trust Wallet enables users to initiate QR payment flows using digital assets, while merchants receive Vietnamese Dong (VND) through a third-party settlement process.
Vietnam has become one of Asia's most advanced cashless economies. With Trust Wallet, users can now initiate QR payment flows at local merchants using digital assets from their wallet. Whether you're buying street food, paying for a taxi, or shopping at a supermarket, you can scan VietQR codes and complete payments in a familiar way. This article explains how QR payments work in Vietnam, why they’ve become so popular, and how Trust Wallet connects digital assets with everyday QR payment experiences.
Understanding VietQR in Vietnam
VietQR is Vietnam's national QR code payment standard, created by NAPAS (National Payment Corporation of Vietnam) and the State Bank of Vietnam. When you see a QR code at a Vietnamese merchant, that code contains the merchant's bank account information in a standardized format. You can scan it using a supported app, confirm the amount, and the payment is transferred directly to the merchant's account.
The system works across Vietnamese banks and digital wallets because it uses one unified standard. The same QR code works whether you’re using a traditional banking app, a local mobile wallet, or supported wallet-based payment flows such as Trust Wallet.
Payments settle quickly, allowing merchants to receive funds efficiently without waiting for batch processing.
VietQR follows international EMVCo standards, the same technology powering contactless card payments worldwide.
Where You Can Use QR Payments
QR payments are used across Vietnam’s retail landscape. Major supermarkets and shopping centers accept QR codes, but so do neighborhood shops, street food vendors, and market stalls.
You’ll commonly see QR codes at restaurants, cafés, pharmacies, and transportation services.
QR adoption also extends to traditional wet markets, where vendors selling fresh produce often accept QR payments instead of cash.
This broad acceptance makes Vietnam an ideal environment for wallet-based QR payment experiences.
Online merchants and e-commerce platforms also integrate VietQR. Many Vietnamese users rely on QR codes for bill payments and splitting expenses, making QR the default payment behavior in many urban areas.
Using QR Payments with Trust Wallet
Trust Wallet has partnered with Wello to connect digital assets with Vietnam’s existing QR payment infrastructure.
Users can initiate QR payment flows by scanning supported QR codes such as VietQR. During this process, digital assets (such as USDT on BNB Chain) are used as part of the settlement flow, while merchants receive Vietnamese Dong (VND) via a third-party settlement partner.
Support for additional QR formats may vary as the feature continues to be optimized. QR Payments also benefit from 10 gas-free transactions per day.
How it works
Select the QR feature and choose Scan QR to pay.
Scan the QR code provided by the merchant and enter your amount.
Continue and confirm the remaining steps.
Receive your goods or service from the merchant.
Funds remain in your control until payment confirmation. The entire flow completes in under a minute and feels similar to using any local QR payment app.
Why QR Payments Dominate Vietnam
Vietnam processes millions of VietQR transactions daily through NAPAS, reflecting strong nationwide adoption of QR-based payments.
QR payments have grown rapidly thanks to strong smartphone penetration, convenient user experience, and government support for a cashless economy.
Hundreds of thousands of merchants accept VietQR payments across Vietnam, including smaller cities beyond Hanoi and Ho Chi Minh City.
For merchants, QR codes are simple and low cost — requiring only a printed code rather than expensive hardware.
Getting Started With QR Payments
Vietnam’s QR infrastructure makes it easy to use familiar payment flows across daily life.
With Trust Wallet, users can scan supported QR codes and spend digital assets from their wallet, while merchants receive local currency through settlement partners.
This allows merchants to keep their existing payment setup while giving users more flexibility in how they initiate payments.
Digital assets remain under user control until confirmation, making the experience simple, familiar, and practical for everyday usage.
Download Trust Wallet Disclaimer: Digital assets are not legal tender in Vietnam. Merchants receive Vietnamese Dong (VND) through a third-party settlement process. Content is for informational purposes and not investment advice. Web3 and crypto come with risk. Please do your own research with respect to interacting with any Web3 applications or crypto assets. View our terms of service.
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Note: Any cited numbers, figures, or illustrations are reported at the time of writing, and are subject to change.