{"id":34490,"date":"2025-04-17T10:16:52","date_gmt":"2025-04-17T03:16:52","guid":{"rendered":"https:\/\/vtcpay.vn\/blog\/?p=34490"},"modified":"2025-04-17T10:16:52","modified_gmt":"2025-04-17T03:16:52","slug":"dieu-ban-can-biet-ve-cong-thanh-toan-dien-tu","status":"publish","type":"post","link":"https:\/\/vtcpay.vn\/blog\/dieu-ban-can-biet-ve-cong-thanh-toan-dien-tu.html","title":{"rendered":"T\u1ea5t t\u1ea7n t\u1eadt nh\u1eefng \u0111i\u1ec1u b\u1ea1n c\u1ea7n bi\u1ebft v\u1ec1 c\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung ch\u00ednh<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69dc93b4389fd\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69dc93b4389fd\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/vtcpay.vn\/blog\/dieu-ban-can-biet-ve-cong-thanh-toan-dien-tu.html\/#1_Khai_niem\" >1. Kh\u00e1i ni\u1ec7m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/vtcpay.vn\/blog\/dieu-ban-can-biet-ve-cong-thanh-toan-dien-tu.html\/#2_Quy_trinh_hoat_dong\" >2. Quy tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/vtcpay.vn\/blog\/dieu-ban-can-biet-ve-cong-thanh-toan-dien-tu.html\/#3_Loi_ich\" >3. L\u1ee3i \u00edch\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/vtcpay.vn\/blog\/dieu-ban-can-biet-ve-cong-thanh-toan-dien-tu.html\/#31_Doi_voi_khach_hang\" >3.1. \u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/vtcpay.vn\/blog\/dieu-ban-can-biet-ve-cong-thanh-toan-dien-tu.html\/#32_Doi_voi_doanh_nghiep\" >3.2. \u0110\u1ed1i v\u1edbi doanh nghi\u1ec7p<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/vtcpay.vn\/blog\/dieu-ban-can-biet-ve-cong-thanh-toan-dien-tu.html\/#4_Chuc_nang\" >4. Ch\u1ee9c n\u0103ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/vtcpay.vn\/blog\/dieu-ban-can-biet-ve-cong-thanh-toan-dien-tu.html\/#Ket_luan\" >K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<div class=\"mceTemp\"><\/div>\n<div class=\"mceTemp\"><\/div>\n<p><span style=\"font-weight: 400;\">Trong th\u1eddi \u0111\u1ea1i chuy\u1ec3n \u0111\u1ed5i s\u1ed1, <\/span><b><a href=\"https:\/\/vtcpay.vn\/blog\/?p=34490&amp;preview=true\">c\u1ed5ng thanh to\u00e1n<\/a> \u0111i\u1ec7n t\u1eed<\/b><span style=\"font-weight: 400;\"> \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t c\u00f4ng c\u1ee5 kh\u00f4ng th\u1ec3 thi\u1ebfu trong th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed v\u00e0 giao d\u1ecbch tr\u1ef1c tuy\u1ebfn. V\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd c\u1ee7a mua s\u1eafm online t\u1ea1i Vi\u1ec7t Nam, c\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed gi\u00fap doanh nghi\u1ec7p t\u1ed1i \u01b0u h\u00f3a ho\u1ea1t \u0111\u1ed9ng kinh doanh, \u0111\u1ed3ng th\u1eddi mang l\u1ea1i tr\u1ea3i nghi\u1ec7m ti\u1ec7n l\u1ee3i, an to\u00e0n cho kh\u00e1ch h\u00e0ng. V\u1eady c\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed mang l\u1ea1i l\u1ee3i \u00edch g\u00ec, c\u00f3 nh\u1eefng ch\u1ee9c n\u0103ng n\u00e0o, v\u00e0 \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i ra sao? H\u00e3y c\u00f9ng<strong><em> VTC Pay Blog<\/em><\/strong> t\u00ecm hi\u1ec3u chi ti\u1ebft ngay trong b\u00e0i vi\u1ebft n\u00e0y!<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_Khai_niem\"><\/span><span style=\"color: #3366ff;\"><b>1. Kh\u00e1i ni\u1ec7m<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>C\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed<\/b><span style=\"font-weight: 400;\"> (Payment Gateway) l\u00e0 m\u1ed9t n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 \u0111\u00f3ng vai tr\u00f2 trung gian, k\u1ebft n\u1ed1i gi\u1eefa kh\u00e1ch h\u00e0ng, doanh nghi\u1ec7p, v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh nh\u01b0 ng\u00e2n h\u00e0ng, v\u00ed \u0111i\u1ec7n t\u1eed, ho\u1eb7c t\u1ed5 ch\u1ee9c th\u1ebb qu\u1ed1c t\u1ebf (Visa, MasterCard).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Theo quy \u0111\u1ecbnh t\u1ea1i <\/span><b>Th\u00f4ng t\u01b0 39\/2014\/TT-NHNN<\/b><span style=\"font-weight: 400;\">, c\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed cung c\u1ea5p h\u1ea1 t\u1ea7ng k\u1ef9 thu\u1eadt \u0111\u1ec3 k\u1ebft n\u1ed1i gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 \u0111\u01a1n v\u1ecb ch\u1ea5p nh\u1eadn thanh to\u00e1n, h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi d\u00f9ng th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch nh\u01b0 mua s\u1eafm online, thanh to\u00e1n h\u00f3a \u0111\u01a1n, ho\u1eb7c chuy\u1ec3n ti\u1ec1n. V\u00ed d\u1ee5, khi b\u1ea1n \u0111\u1eb7t v\u00e9 xem phim tr\u00ean website v\u00e0 thanh to\u00e1n qua <\/span><b>VTC Pay<\/b><span style=\"font-weight: 400;\">, c\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed s\u1ebd m\u00e3 h\u00f3a th\u00f4ng tin, x\u00e1c nh\u1eadn giao d\u1ecbch, v\u00e0 chuy\u1ec3n ti\u1ec1n trong v\u00e0i gi\u00e2y.<\/span><\/p>\n<figure id=\"attachment_34491\" aria-describedby=\"caption-attachment-34491\" style=\"width: 696px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-34491\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/04\/cong-thanh-toan-dien-tu-01-1024x576.png\" alt=\"c\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed\" width=\"696\" height=\"392\" srcset=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/04\/cong-thanh-toan-dien-tu-01-1024x576.png 1024w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/04\/cong-thanh-toan-dien-tu-01-300x169.png 300w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/04\/cong-thanh-toan-dien-tu-01-768x432.png 768w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/04\/cong-thanh-toan-dien-tu-01-1536x864.png 1536w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/04\/cong-thanh-toan-dien-tu-01-696x392.png 696w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/04\/cong-thanh-toan-dien-tu-01-1068x601.png 1068w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/04\/cong-thanh-toan-dien-tu-01-747x420.png 747w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/04\/cong-thanh-toan-dien-tu-01.png 1920w\" sizes=\"(max-width: 696px) 100vw, 696px\" \/><figcaption id=\"caption-attachment-34491\" class=\"wp-caption-text\">T\u00ecm hi\u1ec3u th\u00f4ng tin v\u1ec1 c\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed<\/figcaption><\/figure>\n<p><span style=\"font-weight: 400;\">\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n, c\u00e1c c\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed uy t\u00edn ph\u1ea3i tu\u00e2n th\u1ee7 c\u00e1c ti\u00eau chu\u1ea9n b\u1ea3o m\u1eadt nghi\u00eam ng\u1eb7t, bao g\u1ed3m:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>PCI DSS<\/b><span style=\"font-weight: 400;\">: Ti\u00eau chu\u1ea9n b\u1ea3o m\u1eadt d\u1eef li\u1ec7u ng\u00e0nh th\u1ebb thanh to\u00e1n.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>PCI CPoC<\/b><span style=\"font-weight: 400;\">: Y\u00eau c\u1ea7u b\u1ea3o m\u1eadt cho thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac tr\u00ean thi\u1ebft b\u1ecb di \u0111\u1ed9ng.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>EMV Co<\/b><span style=\"font-weight: 400;\">: Ti\u00eau chu\u1ea9n thanh to\u00e1n th\u1ebb to\u00e0n c\u1ea7u.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>OWASP<\/b><span style=\"font-weight: 400;\">: Ti\u00eau chu\u1ea9n x\u00e1c minh b\u1ea3o m\u1eadt \u1ee9ng d\u1ee5ng web.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">T\u1ea1i Vi\u1ec7t Nam, c\u00e1c c\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed nh\u01b0 <\/span><b>VTC Pay<\/b><span style=\"font-weight: 400;\">, <\/span><b>MoMo<\/b><span style=\"font-weight: 400;\">, <\/span><b>ZaloPay<\/b><span style=\"font-weight: 400;\">, v\u00e0 <\/span><b>payOS<\/b><span style=\"font-weight: 400;\"> \u0111ang d\u1eabn \u0111\u1ea7u th\u1ecb tr\u01b0\u1eddng, ph\u1ee5c v\u1ee5 h\u00e0ng tri\u1ec7u giao d\u1ecbch m\u1ed7i ng\u00e0y. Nh\u1eefng n\u1ec1n t\u1ea3ng n\u00e0y kh\u00f4ng ch\u1ec9 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u n\u1ed9i \u0111\u1ecba m\u00e0 c\u00f2n h\u1ed7 tr\u1ee3 giao d\u1ecbch qu\u1ed1c t\u1ebf, g\u00f3p ph\u1ea7n th\u00fac \u0111\u1ea9y n\u1ec1n kinh t\u1ebf s\u1ed1.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_Quy_trinh_hoat_dong\"><\/span><span style=\"color: #3366ff;\"><b>2. Quy tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng\u00a0<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">C\u1ed5ng ho\u1ea1t \u0111\u1ed9ng nh\u01b0 m\u1ed9t trung gian \u0111\u00e1ng tin c\u1eady, \u0111\u1ea3m b\u1ea3o giao d\u1ecbch di\u1ec5n ra su\u00f4n s\u1ebb v\u00e0 an to\u00e0n. Quy tr\u00ecnh c\u01a1 b\u1ea3n bao g\u1ed3m c\u00e1c b\u01b0\u1edbc sau:<\/span><\/p>\n<p><b>B\u01b0\u1edbc 1:<\/b><span style=\"font-weight: 400;\"> Ng\u01b0\u1eddi mua ch\u1ecdn s\u1ea3n ph\u1ea9m\/d\u1ecbch v\u1ee5 tr\u00ean website, \u1ee9ng d\u1ee5ng, ho\u1eb7c t\u1ea1i c\u1eeda h\u00e0ng.<\/span><\/p>\n<p><b>B\u01b0\u1edbc 2: <\/b><span style=\"font-weight: 400;\">C\u1ed5ng thanh to\u00e1n ti\u1ebfp nh\u1eadn y\u00eau c\u1ea7u v\u00e0 g\u1eedi th\u00f4ng tin \u0111\u1ebfn ng\u00e2n h\u00e0ng ho\u1eb7c v\u00ed \u0111i\u1ec7n t\u1eed c\u1ee7a ng\u01b0\u1eddi mua.<\/span><\/p>\n<p><b>B\u01b0\u1edbc 3: <\/b><span style=\"font-weight: 400;\">Ng\u01b0\u1eddi mua nh\u1eadp th\u00f4ng tin (s\u1ed1 th\u1ebb, m\u00e3 OTP, ho\u1eb7c qu\u00e9t QR) \u0111\u1ec3 x\u00e1c nh\u1eadn giao d\u1ecbch.<\/span><\/p>\n<p><b>B\u01b0\u1edbc 4: <\/b><span style=\"font-weight: 400;\">C\u1ed5ng thanh to\u00e1n x\u00e1c nh\u1eadn thanh to\u00e1n th\u00e0nh c\u00f4ng v\u00e0 th\u00f4ng b\u00e1o cho c\u1ea3 hai b\u00ean.<\/span><\/p>\n<p><b>B\u01b0\u1edbc 5: <\/b><span style=\"font-weight: 400;\">C\u1ed5ng thanh to\u00e1n chuy\u1ec3n ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n ng\u01b0\u1eddi mua sang t\u00e0i kho\u1ea3n ng\u01b0\u1eddi b\u00e1n qua ng\u00e2n h\u00e0ng li\u00ean k\u1ebft.<\/span><\/p>\n<p><b>B\u01b0\u1edbc 6: <\/b><span style=\"font-weight: 400;\">Ng\u01b0\u1eddi b\u00e1n nh\u1eadn ti\u1ec1n v\u00e0 c\u00f3 th\u1ec3 r\u00fat v\u1ec1 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng n\u1ebfu c\u1ea7n.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">V\u00ed d\u1ee5, khi s\u1eed d\u1ee5ng <\/span><b>VTC Pay<\/b><span style=\"font-weight: 400;\"> \u0111\u1ec3 thanh to\u00e1n h\u00f3a \u0111\u01a1n \u0111i\u1ec7n, c\u1ed5ng n\u00e0y s\u1ebd \u0111\u1ea3m b\u1ea3o ti\u1ec1n \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ebfn c\u00f4ng ty \u0111i\u1ec7n l\u1ef1c ch\u1ec9 khi giao d\u1ecbch \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn, gi\u1ea3m thi\u1ec3u r\u1ee7i ro cho c\u1ea3 hai b\u00ean. Quy tr\u00ecnh n\u00e0y di\u1ec5n ra nhanh ch\u00f3ng, th\u01b0\u1eddng ch\u1ec9 m\u1ea5t v\u00e0i gi\u00e2y, mang l\u1ea1i tr\u1ea3i nghi\u1ec7m m\u01b0\u1ee3t m\u00e0 cho ng\u01b0\u1eddi d\u00f9ng.<\/span><\/p>\n<p><strong>Xem th\u00eam:<\/strong><\/p>\n<p><a href=\"https:\/\/vtcpay.vn\/blog\/cong-thanh-toan-vtc-pay.html\"><span style=\"font-weight: 400;\">C\u1ed5ng thanh to\u00e1n VTC Pay: Gi\u1ea3i ph\u00e1p thanh to\u00e1n an to\u00e0n &amp; ti\u1ec7n l\u1ee3i<\/span><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Loi_ich\"><\/span><span style=\"color: #3366ff;\"><b>3. L\u1ee3i \u00edch\u00a0<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">C\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed mang l\u1ea1i gi\u00e1 tr\u1ecb to l\u1edbn cho c\u1ea3 kh\u00e1ch h\u00e0ng v\u00e0 doanh nghi\u1ec7p. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng l\u1ee3i \u00edch n\u1ed5i b\u1eadt:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"31_Doi_voi_khach_hang\"><\/span><b>3.1. \u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Thanh to\u00e1n ch\u1ec9 v\u1edbi v\u00e0i thao t\u00e1c tr\u00ean \u0111i\u1ec7n tho\u1ea1i ho\u1eb7c m\u00e1y t\u00ednh, kh\u00f4ng c\u1ea7n mang ti\u1ec1n m\u1eb7t.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ti\u1ebft ki\u1ec7m th\u1eddi gian, giao d\u1ecbch ho\u00e0n t\u1ea5t trong v\u00e0i gi\u00e2y, ph\u00f9 h\u1ee3p v\u1edbi nh\u1ecbp s\u1ed1ng hi\u1ec7n \u0111\u1ea1i.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nhi\u1ec1u c\u1ed5ng thanh to\u00e1n nh\u01b0 VTC Pay cung c\u1ea5p m\u00e3 gi\u1ea3m gi\u00e1, \u01b0u \u0111\u00e3i h\u1ea5p d\u1eabn, ho\u00e0n ti\u1ec1n, ho\u1eb7c t\u00edch \u0111i\u1ec3m khi thanh to\u00e1n.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">An to\u00e0n tuy\u1ec7t \u0111\u1ed1i v\u1edbi c\u00f4ng ngh\u1ec7 m\u00e3 h\u00f3a v\u00e0 x\u00e1c th\u1ef1c OTP b\u1ea3o v\u1ec7 th\u00f4ng tin, gi\u1ea3m nguy c\u01a1 m\u1ea5t ti\u1ec1n so v\u1edbi d\u00f9ng ti\u1ec1n m\u1eb7t.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">H\u1ed7 tr\u1ee3 thanh to\u00e1n qua th\u1ebb, v\u00ed \u0111i\u1ec7n t\u1eed, QR Code, ho\u1eb7c chuy\u1ec3n kho\u1ea3n, \u0111\u00e1p \u1ee9ng m\u1ecdi nhu c\u1ea7u.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"32_Doi_voi_doanh_nghiep\"><\/span><b>3.2. \u0110\u1ed1i v\u1edbi doanh nghi\u1ec7p<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tr\u1ea3i nghi\u1ec7m thanh to\u00e1n m\u01b0\u1ee3t m\u00e0 gi\u00fap gi\u1ea3m t\u1ef7 l\u1ec7 b\u1ecf gi\u1ecf h\u00e0ng, t\u0103ng t\u1ef7 l\u1ec7 chuy\u1ec3n \u0111\u1ed5i.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">H\u1ec7 th\u1ed1ng t\u1ef1 \u0111\u1ed9ng h\u00f3a gi\u1ea3m chi ph\u00ed qu\u1ea3n l\u00fd ti\u1ec1n m\u1eb7t v\u00e0 nh\u00e2n s\u1ef1. M\u1ed9t s\u1ed1 c\u1ed5ng nh\u01b0 VTC Pay c\u00f2n mi\u1ec5n ph\u00ed t\u00edch h\u1ee3p.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ti\u1ec1n \u0111\u01b0\u1ee3c chuy\u1ec3n v\u00e0o t\u00e0i kho\u1ea3n nhanh ch\u00f3ng, h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p v\u1eadn h\u00e0nh hi\u1ec7u qu\u1ea3.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u00e1o c\u00e1o giao d\u1ecbch gi\u00fap ph\u00e2n t\u00edch h\u00e0nh vi mua s\u1eafm, t\u1ed1i \u01b0u chi\u1ebfn l\u01b0\u1ee3c marketing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>N\u00e2ng cao uy t\u00edn<\/b><span style=\"font-weight: 400;\"> c\u1ee7a doanh nghi\u1ec7p khi t\u00edch h\u1ee3p v\u1edbi C\u1ed5ng thanh to\u00e1n uy t\u00edn, t\u1ea1o ni\u1ec1m tin, c\u1ee7ng c\u1ed1 th\u01b0\u01a1ng hi\u1ec7u.<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_34492\" aria-describedby=\"caption-attachment-34492\" style=\"width: 696px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-34492\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/04\/cong-thanh-toan-dien-tu-02-1024x576.png\" alt=\"C\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed\" width=\"696\" height=\"392\" srcset=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/04\/cong-thanh-toan-dien-tu-02-1024x576.png 1024w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/04\/cong-thanh-toan-dien-tu-02-300x169.png 300w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/04\/cong-thanh-toan-dien-tu-02-768x432.png 768w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/04\/cong-thanh-toan-dien-tu-02-1536x864.png 1536w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/04\/cong-thanh-toan-dien-tu-02-696x392.png 696w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/04\/cong-thanh-toan-dien-tu-02-1068x601.png 1068w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/04\/cong-thanh-toan-dien-tu-02-747x420.png 747w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/04\/cong-thanh-toan-dien-tu-02.png 1920w\" sizes=\"(max-width: 696px) 100vw, 696px\" \/><figcaption id=\"caption-attachment-34492\" class=\"wp-caption-text\">L\u1ee3i \u00edch \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng v\u00e0 doanh nghi\u1ec7p<\/figcaption><\/figure>\n<h2><span class=\"ez-toc-section\" id=\"4_Chuc_nang\"><\/span><span style=\"color: #3366ff;\"><b>4. Ch\u1ee9c n\u0103ng <\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">C\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed kh\u00f4ng ch\u1ec9 x\u1eed l\u00fd giao d\u1ecbch m\u00e0 c\u00f2n cung c\u1ea5p nhi\u1ec1u t\u00ednh n\u0103ng h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p v\u00e0 kh\u00e1ch h\u00e0ng:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ch\u1ee9c n\u0103ng ch\u00ednh l\u00e0 x\u00e1c nh\u1eadn, x\u1eed l\u00fd, v\u00e0 ho\u00e0n t\u1ea5t giao d\u1ecbch. C\u1ed5ng thanh to\u00e1n ki\u1ec3m tra th\u00f4ng tin, chuy\u1ec3n ti\u1ec1n, v\u00e0 g\u1eedi th\u00f4ng b\u00e1o \u0111\u1ebfn c\u1ea3 hai b\u00ean.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">S\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 m\u00e3 h\u00f3a SSL\/TLS v\u00e0 x\u00e1c th\u1ef1c \u0111a t\u1ea7ng (OTP, 3D-Secure), c\u1ed5ng thanh to\u00e1n b\u1ea3o v\u1ec7 d\u1eef li\u1ec7u nh\u1ea1y c\u1ea3m nh\u01b0 s\u1ed1 th\u1ebb, m\u1eadt kh\u1ea9u, ho\u1eb7c th\u00f4ng tin c\u00e1 nh\u00e2n.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C\u1ed5ng thanh to\u00e1n cung c\u1ea5p API v\u00e0 SDK \u0111\u1ec3 t\u00edch h\u1ee3p v\u00e0o website, \u1ee9ng d\u1ee5ng di \u0111\u1ed9ng, ho\u1eb7c m\u00e1y POS.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Doanh nghi\u1ec7p c\u00f3 th\u1ec3 theo d\u00f5i giao d\u1ecbch theo th\u1eddi gian th\u1ef1c qua b\u1ea3ng \u0111i\u1ec1u khi\u1ec3n, bao g\u1ed3m s\u1ed1 l\u01b0\u1ee3ng, gi\u00e1 tr\u1ecb, v\u00e0 tr\u1ea1ng th\u00e1i. \u0110i\u1ec1u n\u00e0y gi\u00fap \u0111\u1ed1i so\u00e1t t\u00e0i ch\u00ednh d\u1ec5 d\u00e0ng.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C\u1ed5ng thanh to\u00e1n cho ph\u00e9p giao d\u1ecbch qua nhi\u1ec1u k\u00eanh: website, \u1ee9ng d\u1ee5ng, link thanh to\u00e1n, QR Code, ho\u1eb7c t\u1ea1i c\u1eeda h\u00e0ng. \u0110i\u1ec1u n\u00e0y \u0111\u1ea3m b\u1ea3o tr\u1ea3i nghi\u1ec7m li\u1ec1n m\u1ea1ch cho kh\u00e1ch h\u00e0ng.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Khi kh\u00e1ch h\u00e0ng h\u1ee7y \u0111\u01a1n ho\u1eb7c tr\u1ea3 h\u00e0ng, c\u1ed5ng thanh to\u00e1n h\u1ed7 tr\u1ee3 ho\u00e0n ti\u1ec1n nhanh ch\u00f3ng, minh b\u1ea1ch, \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i c\u1ea3 hai b\u00ean.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">M\u1ed9t s\u1ed1 c\u1ed5ng cung c\u1ea5p b\u00e1o c\u00e1o chi ti\u1ebft v\u1ec1 xu h\u01b0\u1edbng thanh to\u00e1n, gi\u00fap doanh nghi\u1ec7p t\u1ed1i \u01b0u chi\u1ebfn l\u01b0\u1ee3c kinh doanh.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span><span style=\"color: #3366ff;\"><b>K\u1ebft lu\u1eadn<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>C\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed<\/b><span style=\"font-weight: 400;\"> l\u00e0 ch\u00eca kh\u00f3a \u0111\u1ec3 doanh nghi\u1ec7p v\u00e0 kh\u00e1ch h\u00e0ng t\u1eadn h\u01b0\u1edfng giao d\u1ecbch nhanh ch\u00f3ng, an to\u00e0n, v\u00e0 ti\u1ec7n l\u1ee3i trong th\u1eddi \u0111\u1ea1i s\u1ed1. V\u1edbi c\u00e1c l\u1ee3i \u00edch nh\u01b0 b\u1ea3o m\u1eadt cao, \u0111a d\u1ea1ng ph\u01b0\u01a1ng th\u1ee9c, v\u00e0 kh\u1ea3 n\u0103ng t\u00edch h\u1ee3p linh ho\u1ea1t, c\u1ed5ng thanh to\u00e1n kh\u00f4ng ch\u1ec9 th\u00fac \u0111\u1ea9y doanh thu m\u00e0 c\u00f2n n\u00e2ng cao tr\u1ea3i nghi\u1ec7m ng\u01b0\u1eddi d\u00f9ng. D\u00f9 b\u1ea1n ch\u1ecdn lo\u1ea1i c\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed n\u00e0o, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 t\u00ecm \u0111\u01b0\u1ee3c gi\u1ea3i ph\u00e1p ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau kinh doanh.<\/span><\/p>\n<p><strong>Xem th\u00eam:<\/strong><\/p>\n<p><a href=\"https:\/\/vtcpay.vn\/blog\/top-10-cong-thanh-toan-hang-dau.html\"><span style=\"font-weight: 400;\">Top 10 c\u1ed5ng thanh to\u00e1n tr\u1ef1c tuy\u1ebfn h\u00e0ng \u0111\u1ea7u 2025<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Trong th\u1eddi \u0111\u1ea1i chuy\u1ec3n \u0111\u1ed5i s\u1ed1, c\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t c\u00f4ng c\u1ee5 kh\u00f4ng th\u1ec3 thi\u1ebfu trong th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed v\u00e0 giao d\u1ecbch tr\u1ef1c tuy\u1ebfn. V\u1edbi s\u1ef1 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd c\u1ee7a mua s\u1eafm online t\u1ea1i Vi\u1ec7t Nam, c\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed gi\u00fap doanh nghi\u1ec7p t\u1ed1i \u01b0u h\u00f3a ho\u1ea1t [&hellip;]<\/p>\n","protected":false},"author":29,"featured_media":34491,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[191],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>T\u1ea5t t\u1ea7n t\u1eadt nh\u1eefng \u0111i\u1ec1u b\u1ea1n c\u1ea7n bi\u1ebft v\u1ec1 c\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed<\/title>\n<meta name=\"description\" content=\"Kh\u00e1m ph\u00e1 c\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed: c\u00f4ng c\u1ee5 giao d\u1ecbch s\u1ed1 an to\u00e0n, ti\u1ec7n l\u1ee3i gi\u00fap t\u1ed1i \u01b0u kinh doanh v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch 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