Local payments.
Confirmed automatically.
Accept bank transfers and crypto through one simple checkout. PaymentOZ matches each payment to the right order and updates your system automatically.
PZ-8F3K2M
How it works
Three steps from checkout to confirmed payment.
Create a payment
Call our simple API with the amount. We return a hosted checkout page with a QR code and a unique transfer code.
Customer pays
Your customer scans the VietQR with their banking app and sends the transfer — it takes just seconds.
"id": "PZ-8F3K2M",
"status": "paid"
}
Confirmed automatically
We watch the bank feed, match the code and amount, mark the order paid, and instantly notify your server.
Meet your customers where they are
Accept payments from every major local bank and top cryptocurrencies.
Local bank transfer
Instant QR payments from every major local bank. Unique per-order transfer codes mean payments match themselves — no receipts, no screenshots.
Crypto payments
Let customers pay in cryptocurrency from the same checkout page, with the same automatic confirmation flow — one integration covers both methods.
Built for businesses that need certainty
Every payment is confirmed server-side, credited exactly once, and visible in your dashboard with full payout history.
Frequently asked questions
Everything you need to know about the product and billing.
How does automatic confirmation work?
We monitor the bank feed for incoming transactions. When a customer sends a transfer, we match the unique memo code (e.g. PZ-8F3K2M) and the exact amount to their order, and notify your server instantly via webhook.
What happens if a customer sends the wrong amount?
If the amount is lower or higher than expected, the system marks the payment as anomalous. It won't trigger an automatic success webhook, allowing you to manually review and refund or request the difference via the dashboard.
Which banks do you support?
Our QR codes use the VietQR standard, meaning customers can pay instantly using any major banking app in Vietnam, including Vietcombank, Techcombank, MB Bank, ACB, VPBank, and over 40 others.
How long does settlement take?
Payments are credited to your PaymentOZ balance instantly. You can request a withdrawal to your registered business bank account at any time. Withdrawals are typically processed within 1 business day.
Can I accept both bank transfers and crypto?
Yes. One API integration gives you a hosted checkout page that supports both local bank transfers and major cryptocurrencies. You can manage which methods are active in your dashboard.
What are the fees?
We charge a transparent, volume-based fee ranging from 0.5% to 2% per successful transaction. There are no setup fees, monthly minimums, or charges for expired/failed orders.