{"id":39613,"date":"2026-01-16T15:53:05","date_gmt":"2026-01-16T08:53:05","guid":{"rendered":"https:\/\/vtcpay.vn\/blog\/?p=39613"},"modified":"2026-01-16T15:53:39","modified_gmt":"2026-01-16T08:53:39","slug":"thong-tin-quy-dinh-thanh-toan-khong-dung-tien-mat-moi-nhat","status":"publish","type":"post","link":"https:\/\/vtcpay.vn\/blog\/thong-tin-quy-dinh-thanh-toan-khong-dung-tien-mat-moi-nhat.html","title":{"rendered":"Th\u00f4ng tin quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t m\u1edbi nh\u1ea5t"},"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-69d845ddd3c86\" 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-69d845ddd3c86\" 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\/thong-tin-quy-dinh-thanh-toan-khong-dung-tien-mat-moi-nhat.html\/#1_Chung_tu_quy_dinh_thanh_toan_khong_dung_tien_mat_la_gi\" >1. Ch\u1ee9ng t\u1eeb quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t l\u00e0 g\u00ec?<\/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\/thong-tin-quy-dinh-thanh-toan-khong-dung-tien-mat-moi-nhat.html\/#2_Cac_truong_hop_dac_thu_trong_quy_dinh_thanh_toan_khong_dung_tien_mat\" >2. C\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c th\u00f9 trong quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t<\/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\/thong-tin-quy-dinh-thanh-toan-khong-dung-tien-mat-moi-nhat.html\/#3_Phan_loai_cac_loai_chung_tu_hop_le_hien_nay\" >3. Ph\u00e2n lo\u1ea1i c\u00e1c lo\u1ea1i ch\u1ee9ng t\u1eeb h\u1ee3p l\u1ec7 hi\u1ec7n nay<\/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\/thong-tin-quy-dinh-thanh-toan-khong-dung-tien-mat-moi-nhat.html\/#31_Nhom_chung_tu_qua_he_thong_Ngan_hang\" >3.1. Nh\u00f3m ch\u1ee9ng t\u1eeb qua h\u1ec7 th\u1ed1ng Ng\u00e2n 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\/thong-tin-quy-dinh-thanh-toan-khong-dung-tien-mat-moi-nhat.html\/#32_Nhom_chung_tu_thanh_toan_khac\" >3.2. Nh\u00f3m ch\u1ee9ng t\u1eeb thanh to\u00e1n kh\u00e1c<\/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\/thong-tin-quy-dinh-thanh-toan-khong-dung-tien-mat-moi-nhat.html\/#4_04_Diem_moi_doanh_nghiep_can_dac_biet_luu_y\" >4. 04 \u0110i\u1ec3m m\u1edbi doanh nghi\u1ec7p c\u1ea7n \u0111\u1eb7c bi\u1ec7t l\u01b0u \u00fd\u00a0<\/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\/thong-tin-quy-dinh-thanh-toan-khong-dung-tien-mat-moi-nhat.html\/#Ket_luan\" >K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<p data-path-to-node=\"7\"><b data-path-to-node=\"7\" data-index-in-node=\"0\">Quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t<\/b> l\u00e0 \u0111i\u1ec1u ki\u1ec7n b\u1eaft bu\u1ed9c \u0111\u1ec3 doanh nghi\u1ec7p \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng (GTGT) v\u00e0 ghi nh\u1eadn chi ph\u00ed \u0111\u01b0\u1ee3c tr\u1eeb khi t\u00ednh thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p. Theo l\u1ed9 tr\u00ecnh c\u1ea3i c\u00e1ch h\u1ec7 th\u1ed1ng thu\u1ebf, t\u1eeb ng\u00e0y 01\/7\/2025, nh\u1eefng thay \u0111\u1ed5i quan tr\u1ecdng t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 181\/2025\/N\u0110-CP s\u1ebd ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c, tr\u1ef1c ti\u1ebfp t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn ng\u01b0\u1ee1ng thanh to\u00e1n b\u1eaft bu\u1ed9c c\u1ee7a doanh nghi\u1ec7p. C\u00f9ng <a href=\"https:\/\/vtcpay.vn\/blog\/\">VTC Pay Blog<\/a> t\u00ecm hi\u1ec3u ngay v\u1ec1 <a href=\"https:\/\/vtcpay.vn\/blog\/thong-tin-quy-dinh-thanh-toan-khong-dung-tien-mat-moi-nhat.html\">quy \u0111\u1ecbnh<\/a> thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t.<\/p>\n<h2 data-path-to-node=\"10\"><span class=\"ez-toc-section\" id=\"1_Chung_tu_quy_dinh_thanh_toan_khong_dung_tien_mat_la_gi\"><\/span><span style=\"color: #3366ff;\"><strong>1. Ch\u1ee9ng t\u1eeb quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t l\u00e0 g\u00ec?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"11\">C\u0103n c\u1ee9 theo quy \u0111\u1ecbnh t\u1ea1i kho\u1ea3n 1 \u0111i\u1ec1u 26 Ngh\u1ecb \u0111\u1ecbnh 181\/2025\/N\u0110-CP, ch\u1ee9ng t\u1eeb thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 t\u00e0i li\u1ec7u minh ch\u1ee9ng cho vi\u1ec7c th\u1ef1c hi\u1ec7n chi tr\u1ea3 m\u00e0 kh\u00f4ng s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t v\u1eadt l\u00fd gi\u1eefa b\u00ean mua v\u00e0 b\u00ean b\u00e1n.<\/p>\n<p data-path-to-node=\"12\">C\u1ee5 th\u1ec3, \u0111\u00e2y l\u00e0 ch\u1ee9ng t\u1eeb ch\u1ee9ng minh vi\u1ec7c thanh to\u00e1n theo quy \u0111\u1ecbnh c\u1ee7a Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 52\/2024\/N\u0110-CP, tr\u1eeb c\u00e1c tr\u01b0\u1eddng h\u1ee3p b\u00ean mua n\u1ed9p ti\u1ec1n m\u1eb7t tr\u1ef1c ti\u1ebfp v\u00e0o t\u00e0i kho\u1ea3n c\u1ee7a b\u00ean b\u00e1n (\u0111\u00e2y l\u00e0 \u0111i\u1ec3m doanh nghi\u1ec7p c\u1ea7n \u0111\u1eb7c bi\u1ec7t l\u01b0u \u00fd v\u00ec nhi\u1ec1u \u0111\u01a1n v\u1ecb v\u1eabn l\u1ea7m t\u01b0\u1edfng n\u1ed9p ti\u1ec1n m\u1eb7t v\u00e0o t\u00e0i kho\u1ea3n b\u00ean b\u00e1n l\u00e0 h\u1ee3p l\u1ec7).<\/p>\n<p>Nh\u1eefng thay \u0111\u1ed5i mang t\u00ednh &#8220;b\u01b0\u1edbc ngo\u1eb7t&#8221; t\u1eeb 01\/07\/2025:<\/p>\n<p>Tr\u01b0\u1edbc \u0111\u00e2y, theo Lu\u1eadt Thu\u1ebf GTGT 2008, ng\u01b0\u1ee1ng b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 ch\u1ee9ng t\u1eeb theo quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t l\u00e0 t\u1eeb 20 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean. Tuy nhi\u00ean, theo \u0111i\u1ec3m b kho\u1ea3n 2 \u0111i\u1ec1u 14 Lu\u1eadt Thu\u1ebf GTGT 2024 v\u00e0 h\u01b0\u1edbng d\u1eabn t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 181\/2025\/N\u0110-CP:<\/p>\n<ul data-path-to-node=\"14\">\n<li>\n<p data-path-to-node=\"14,0,0\">\u0110\u1ed1i v\u1edbi h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 mua v\u00e0o (bao g\u1ed3m c\u1ea3 nh\u1eadp kh\u1ea9u) c\u00f3 gi\u00e1 tr\u1ecb t\u1eeb 05 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean (\u0111\u00e3 bao g\u1ed3m thu\u1ebf GTGT), doanh nghi\u1ec7p b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 ch\u1ee9ng t\u1eeb kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t m\u1edbi \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb thu\u1ebf \u0111\u1ea7u v\u00e0o.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"14,1,0\">Tr\u01b0\u1eddng h\u1ee3p mua h\u00e0ng nhi\u1ec1u l\u1ea7n trong c\u00f9ng m\u1ed9t ng\u00e0y t\u1eeb c\u00f9ng m\u1ed9t ng\u01b0\u1eddi b\u00e1n, n\u1ebfu t\u1ed5ng gi\u00e1 tr\u1ecb c\u00e1c h\u00f3a \u0111\u01a1n c\u1ed9ng l\u1ea1i t\u1eeb 05 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean th\u00ec c\u0169ng ph\u1ea3i th\u1ef1c hi\u1ec7n thanh to\u00e1n kh\u00f4ng qua ng\u00e2n h\u00e0ng\/kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t.<\/p>\n<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-39617\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/01\/quy-dinh-thanh-toan-khong-dung-tien-mat-01.webp\" alt=\"quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \" width=\"650\" height=\"340\" \/><\/p>\n<h2 data-path-to-node=\"15\"><span class=\"ez-toc-section\" id=\"2_Cac_truong_hop_dac_thu_trong_quy_dinh_thanh_toan_khong_dung_tien_mat\"><\/span><strong><span style=\"color: #3366ff;\">2. C\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c th\u00f9 trong quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"16\">Kh\u00f4ng ch\u1ec9 gi\u1edbi h\u1ea1n \u1edf vi\u1ec7c chuy\u1ec3n kho\u1ea3n qua ng\u00e2n h\u00e0ng, ph\u00e1p lu\u1eadt c\u00f2n th\u1eeba nh\u1eadn c\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n \u0111\u1eb7c th\u00f9 kh\u00e1c. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u1ea3ng t\u1ed5ng h\u1ee3p c\u00e1c tr\u01b0\u1eddng h\u1ee3p v\u00e0 \u0111i\u1ec1u ki\u1ec7n \u0111i k\u00e8m theo kho\u1ea3n 2 \u0111i\u1ec1u 26 Ngh\u1ecb \u0111\u1ecbnh 181\/2025\/N\u0110-CP:<\/p>\n<table style=\"width: 100%;\" data-path-to-node=\"17\">\n<thead>\n<tr>\n<td style=\"width: 7.04023%;\"><strong>STT<\/strong><\/td>\n<td style=\"width: 21.8391%;\"><strong>H\u00ecnh th\u1ee9c<\/strong><\/td>\n<td style=\"width: 70.1149%;\"><strong>\u0110i\u1ec1u ki\u1ec7n &amp; H\u1ed3 s\u01a1 \u0111i k\u00e8m<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 7.04023%;\">1<\/td>\n<td style=\"width: 21.8391%;\">Thanh to\u00e1n b\u00f9 tr\u1eeb<\/td>\n<td style=\"width: 70.1149%;\"><span data-path-to-node=\"17,1,2,0\">Quy \u0111\u1ecbnh r\u00f5 trong h\u1ee3p \u0111\u1ed3ng; c\u00f3 bi\u00ean b\u1ea3n \u0111\u1ed1i chi\u1ebfu s\u1ed1 li\u1ec7u v\u00e0 x\u00e1c nh\u1eadn b\u00f9 tr\u1eeb gi\u1eefa hai b\u00ean.<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7.04023%;\">2<\/td>\n<td style=\"width: 21.8391%;\">B\u00f9 tr\u1eeb c\u00f4ng n\u1ee3 (vay, m\u01b0\u1ee3n)<\/td>\n<td style=\"width: 70.1149%;\"><span data-path-to-node=\"17,2,2,0\">H\u1ee3p \u0111\u1ed3ng vay\/m\u01b0\u1ee3n b\u1eb1ng v\u0103n b\u1ea3n l\u1eadp tr\u01b0\u1edbc \u0111\u00f3; c\u00f3 ch\u1ee9ng t\u1eeb chuy\u1ec3n ti\u1ec1n qua t\u00e0i kho\u1ea3n khi gi\u1ea3i ng\u00e2n kho\u1ea3n vay.<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7.04023%;\">3<\/td>\n<td style=\"width: 21.8391%;\">Thanh to\u00e1n \u1ee7y quy\u1ec1n\/B\u00ean th\u1ee9 3<\/td>\n<td style=\"width: 70.1149%;\"><span data-path-to-node=\"17,3,2,0\">Ph\u1ea3i \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 trong h\u1ee3p \u0111\u1ed3ng v\u0103n b\u1ea3n; B\u00ean th\u1ee9 ba ph\u1ea3i l\u00e0 t\u1ed5 ch\u1ee9c\/th\u1ec3 nh\u00e2n ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p.<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7.04023%;\">4<\/td>\n<td style=\"width: 21.8391%;\">Thanh to\u00e1n b\u1eb1ng ch\u1ee9ng kho\u00e1n<\/td>\n<td style=\"width: 70.1149%;\"><span data-path-to-node=\"17,4,2,0\">S\u1eed d\u1ee5ng c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu \u0111\u01b0\u1ee3c ghi r\u00f5 trong h\u1ee3p \u0111\u1ed3ng mua b\u00e1n b\u1eb1ng v\u0103n b\u1ea3n.<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7.04023%;\">5<\/td>\n<td style=\"width: 21.8391%;\">Thanh to\u00e1n c\u01b0\u1ee1ng ch\u1ebf<\/td>\n<td style=\"width: 70.1149%;\"><span data-path-to-node=\"17,5,2,0\">Chuy\u1ec3n ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n b\u00ean th\u1ee9 ba m\u1edf t\u1ea1i Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc theo quy\u1ebft \u0111\u1ecbnh c\u1ee7a c\u01a1 quan th\u1ea9m quy\u1ec1n.<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7.04023%;\">6<\/td>\n<td style=\"width: 21.8391%;\">Mua tr\u1ea3 ch\u1eadm, tr\u1ea3 g\u00f3p<\/td>\n<td style=\"width: 70.1149%;\"><span data-path-to-node=\"17,6,2,0\">C\u00f3 h\u1ee3p \u0111\u1ed3ng v\u0103n b\u1ea3n, h\u00f3a \u0111\u01a1n GTGT. N\u1ebfu ch\u01b0a \u0111\u1ebfn h\u1ea1n v\u1eabn \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb; n\u1ebfu qu\u00e1 h\u1ea1n m\u00e0 ch\u01b0a c\u00f3 ch\u1ee9ng t\u1eeb thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t ph\u1ea3i k\u00ea khai gi\u1ea3m thu\u1ebf.<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7.04023%;\">7<\/td>\n<td style=\"width: 21.8391%;\">\u1ee6y quy\u1ec1n ng\u01b0\u1eddi lao \u0111\u1ed9ng<\/td>\n<td style=\"width: 70.1149%;\"><span data-path-to-node=\"17,7,2,0\">Ng\u01b0\u1eddi lao \u0111\u1ed9ng thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t theo quy ch\u1ebf n\u1ed9i b\u1ed9, sau \u0111\u00f3 doanh nghi\u1ec7p ho\u00e0n tr\u1ea3 l\u1ea1i cho lao \u0111\u1ed9ng b\u1eb1ng h\u00ecnh th\u1ee9c kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 data-path-to-node=\"18\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-39616\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/01\/quy-dinh-thanh-toan-khong-dung-tien-mat-02.webp\" alt=\"\" width=\"650\" height=\"340\" \/><\/h2>\n<h2 data-path-to-node=\"18\"><span class=\"ez-toc-section\" id=\"3_Phan_loai_cac_loai_chung_tu_hop_le_hien_nay\"><\/span><span style=\"color: #3366ff;\"><strong>3. Ph\u00e2n lo\u1ea1i c\u00e1c lo\u1ea1i ch\u1ee9ng t\u1eeb h\u1ee3p l\u1ec7 hi\u1ec7n nay<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"19\">D\u1ef1a tr\u00ean Ngh\u1ecb \u0111\u1ecbnh 52\/2024\/N\u0110-CP, doanh nghi\u1ec7p c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng c\u00e1c nh\u00f3m ch\u1ee9ng t\u1eeb theo quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t sau \u0111\u1ec3 l\u00e0m c\u0103n c\u1ee9 h\u1ea1ch to\u00e1n:<\/p>\n<h3 data-path-to-node=\"20\"><span class=\"ez-toc-section\" id=\"31_Nhom_chung_tu_qua_he_thong_Ngan_hang\"><\/span><strong>3.1. Nh\u00f3m ch\u1ee9ng t\u1eeb qua h\u1ec7 th\u1ed1ng Ng\u00e2n h\u00e0ng<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"21\">\u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c ph\u1ed5 bi\u1ebfn nh\u1ea5t, x\u00e1c nh\u1eadn d\u00f2ng ti\u1ec1n \u0111i t\u1eeb t\u00e0i kho\u1ea3n b\u00ean mua sang t\u00e0i kho\u1ea3n b\u00ean b\u00e1n:<\/p>\n<ul data-path-to-node=\"22\">\n<li>\n<p data-path-to-node=\"22,0,0\">\u1ee6y nhi\u1ec7m chi (UNC), L\u1ec7nh chi, S\u00e9c, \u1ee6y nhi\u1ec7m thu.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"22,1,0\">Sao k\u00ea t\u00e0i kho\u1ea3n, b\u00e1o N\u1ee3 c\u1ee7a ng\u00e2n h\u00e0ng.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"22,2,0\">Giao d\u1ecbch qua th\u1ebb ng\u00e2n h\u00e0ng, th\u1ebb t\u00edn d\u1ee5ng c\u1ee7a doanh nghi\u1ec7p.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"22,3,0\">Thanh to\u00e1n qua c\u00e1c v\u00ed \u0111i\u1ec7n t\u1eed, sim \u0111i\u1ec7n tho\u1ea1i (e-money) \u0111\u00e3 \u0111\u01b0\u1ee3c li\u00ean k\u1ebft v\u1edbi t\u00e0i kho\u1ea3n thanh to\u00e1n c\u1ee7a doanh nghi\u1ec7p.<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"23\"><span class=\"ez-toc-section\" id=\"32_Nhom_chung_tu_thanh_toan_khac\"><\/span><strong>3.2. Nh\u00f3m ch\u1ee9ng t\u1eeb thanh to\u00e1n kh\u00e1c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-path-to-node=\"24\">\n<li>\n<p data-path-to-node=\"24,0,0\">Bi\u00ean b\u1ea3n b\u00f9 tr\u1eeb c\u00f4ng n\u1ee3 c\u00f3 ch\u1eef k\u00fd x\u00e1c nh\u1eadn c\u1ee7a c\u00e1c b\u00ean.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"24,1,0\">H\u1ee3p \u0111\u1ed3ng mua b\u00e1n quy \u0111\u1ecbnh h\u00ecnh th\u1ee9c thanh to\u00e1n b\u1eb1ng t\u00e0i s\u1ea3n (c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu).<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"24,2,0\">Ch\u1ee9ng t\u1eeb n\u1ed9p ti\u1ec1n v\u00e0o Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb c\u01b0\u1ee1ng ch\u1ebf thu thu\u1ebf b\u00ean th\u1ee9 ba.<\/p>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"4\">\u0110\u1ec3 \u0111\u00e1p \u1ee9ng tr\u1ecdn v\u1eb9n c\u00e1c <b data-path-to-node=\"4\" data-index-in-node=\"24\">quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t<\/b> m\u1edbi nh\u1ea5t, doanh nghi\u1ec7p c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn <b data-path-to-node=\"4\" data-index-in-node=\"103\"><a href=\"https:\/\/doitac.vtcpay.vn\/\">C\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed VTC Pay<\/a>.<\/b>\u00a0V\u1edbi kh\u1ea3 n\u0103ng h\u1ed7 tr\u1ee3 thanh to\u00e1n qua VietQR, v\u00ed \u0111i\u1ec7n t\u1eed, h\u01a1n 40 ng\u00e2n h\u00e0ng n\u1ed9i \u0111\u1ecba v\u00e0 c\u00e1c th\u1ebb qu\u1ed1c t\u1ebf (Visa\/MasterCard\/JCB), <a href=\"https:\/\/doitac.vtcpay.vn\/\">VTC Pay<\/a> gi\u00fap doanh nghi\u1ec7p chu\u1ea9n h\u00f3a 100% ch\u1ee9ng t\u1eeb h\u1ee3p l\u1ec7, \u0111\u1ea3m b\u1ea3o an to\u00e0n tuy\u1ec7t \u0111\u1ed1i v\u1edbi ti\u00eau chu\u1ea9n b\u1ea3o m\u1eadt PCI-DSS.<\/p>\n<p style=\"text-align: center;\" data-path-to-node=\"5\"><a href=\"https:\/\/doitac.vtcpay.vn\/\"><b data-path-to-node=\"5\" data-index-in-node=\"3\">\u0110\u0103ng k\u00fd t\u00edch h\u1ee3p C\u1ed5ng thanh to\u00e1n VTC Pay ngay h\u00f4m nay cho doanh nghi\u1ec7p c\u1ee7a b\u1ea1n!<\/b><\/a><\/p>\n<p data-path-to-node=\"5\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-38482\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/11\/dich-vu-cong-thanh-toan-vtc-pay-truc-tuyen.jpg\" alt=\"D\u1ecbch v\u1ee5 c\u1ed5ng thanh to\u00e1n tr\u1ef1c tuy\u1ebfn VTC PAY\" width=\"640\" height=\"359\" srcset=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/11\/dich-vu-cong-thanh-toan-vtc-pay-truc-tuyen.jpg 640w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/11\/dich-vu-cong-thanh-toan-vtc-pay-truc-tuyen-300x168.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/p>\n<p data-start=\"87\" data-end=\"415\"><strong>C\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed VTC Pay<\/strong><\/p>\n<ul>\n<li data-start=\"87\" data-end=\"415\"><strong>Website:\u00a0<a href=\"https:\/\/doitac.vtcpay.vn\/\">https:\/\/doitac.vtcpay.vn\/<\/a>\u00a0<\/strong><\/li>\n<li data-start=\"87\" data-end=\"415\"><strong>S\u1ed1 \u0111i\u1ec7n tho\u1ea1i:\u00a0<a href=\"tel: 19001530\">1900 1530<\/a><\/strong><\/li>\n<li data-start=\"87\" data-end=\"415\"><strong>Li\u00ean h\u1ec7:\u00a0<a href=\"https:\/\/www.facebook.com\/congthanhtoanvtcpay\">https:\/\/www.facebook.com\/congthanhtoanvtcpay<\/a><\/strong><\/li>\n<\/ul>\n<h2 data-path-to-node=\"27\"><span class=\"ez-toc-section\" id=\"4_04_Diem_moi_doanh_nghiep_can_dac_biet_luu_y\"><\/span><span style=\"color: #3366ff;\"><strong>4. 04 \u0110i\u1ec3m m\u1edbi doanh nghi\u1ec7p c\u1ea7n \u0111\u1eb7c bi\u1ec7t l\u01b0u \u00fd\u00a0<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"28\">Trong qu\u00e1 tr\u00ecnh th\u1ef1c thi quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t, doanh nghi\u1ec7p c\u1ea7n c\u1eadp nh\u1eadt c\u00e1c thay \u0111\u1ed5i sau \u0111\u1ec3 tr\u00e1nh b\u1ecb lo\u1ea1i chi ph\u00ed khi thanh tra thu\u1ebf:<\/p>\n<ul>\n<li data-path-to-node=\"29,0,0\">H\u1ea1 m\u1ee9c ng\u01b0\u1ee1ng thanh to\u00e1n t\u1eeb 20 tri\u1ec7u \u0111\u1ed3ng\u00a0xu\u1ed1ng 5 tri\u1ec7u \u0111\u1ed3ng. \u0110i\u1ec1u n\u00e0y \u0111\u00f2i h\u1ecfi b\u1ed9 ph\u1eadn k\u1ebf to\u00e1n ph\u1ea3i ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd c\u00e1c h\u00f3a \u0111\u01a1n nh\u1ecf l\u1ebb.<\/li>\n<li data-path-to-node=\"29,0,0\">Cho ph\u00e9p thanh to\u00e1n th\u00f4ng qua t\u00e0i kho\u1ea3n \u0111\u1ee9ng t\u00ean ch\u1ee7 doanh nghi\u1ec7p t\u01b0 nh\u00e2n, t\u1ea1o \u0111i\u1ec1u ki\u1ec7n linh ho\u1ea1t trong kinh doanh.<\/li>\n<li data-path-to-node=\"29,0,0\">Trong quy tr\u00ecnh ho\u00e0n ti\u1ec1n cho ng\u01b0\u1eddi lao \u0111\u1ed9ng \u0111\u1ec3 \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb thu\u1ebf khi giao nh\u00e2n vi\u00ean \u0111i mua h\u00e0ng, doanh nghi\u1ec7p ph\u1ea3i c\u00f3 quy ch\u1ebf t\u00e0i ch\u00ednh r\u00f5 r\u00e0ng v\u00e0 ch\u1ee9ng t\u1eeb chuy\u1ec3n ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n c\u00f4ng ty sang t\u00e0i kho\u1ea3n c\u00e1 nh\u00e2n nh\u00e2n vi\u00ean \u0111\u00f3.<\/li>\n<li data-path-to-node=\"29,0,0\">\u0110\u1ed1i v\u1edbi ch\u1ee9ng t\u1eeb n\u1ed9p ti\u1ec1n m\u1eb7t v\u00e0o t\u00e0i kho\u1ea3n b\u00ean b\u00e1n,\u00a0Google v\u00e0 c\u01a1 quan thu\u1ebf kh\u00f4ng c\u00f4ng nh\u1eadn \u0111\u00e2y l\u00e0 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t. Ph\u1ea3i l\u00e0 giao d\u1ecbch &#8220;T\u00e0i kho\u1ea3n \u0111\u1ed1i \u1ee9ng T\u00e0i kho\u1ea3n&#8221;.<\/li>\n<\/ul>\n<p data-path-to-node=\"38\">\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n ph\u00e1p l\u00fd, doanh nghi\u1ec7p n\u00ean:<\/p>\n<ul data-path-to-node=\"39\">\n<li>\n<p data-path-to-node=\"39,0,0\">R\u00e0 so\u00e1t l\u1ea1i quy ch\u1ebf t\u00e0i ch\u00ednh v\u00e0 c\u00e1c h\u1ee3p \u0111\u1ed3ng mua b\u00e1n \u0111ang th\u1ef1c hi\u1ec7n.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"39,1,0\">\u0110\u00e0o t\u1ea1o b\u1ed9 ph\u1eadn thu mua v\u1ec1 ng\u01b0\u1ee1ng thanh to\u00e1n 5 tri\u1ec7u \u0111\u1ed3ng m\u1edbi.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"39,2,0\">S\u1ed1 h\u00f3a quy tr\u00ecnh qu\u1ea3n l\u00fd ch\u1ee9ng t\u1eeb b\u1eb1ng c\u00e1c ph\u1ea7n m\u1ec1m k\u1ebf to\u00e1n chuy\u00ean d\u1ee5ng.<\/p>\n<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-39615\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/01\/quy-dinh-thanh-toan-khong-dung-tien-mat-03.webp\" alt=\"quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t\" width=\"650\" height=\"340\" \/><\/p>\n<h2 data-path-to-node=\"36\"><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span><span style=\"color: #3366ff;\"><strong>K\u1ebft lu\u1eadn<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"37\">Quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t t\u1eeb n\u0103m 2025 v\u00e0 2026 kh\u00f4ng ch\u1ec9 l\u00e0 m\u1ed9t th\u1ee7 t\u1ee5c h\u00e0nh ch\u00ednh m\u00e0 l\u00e0 &#8220;ch\u00eca kh\u00f3a&#8221; \u0111\u1ec3 doanh nghi\u1ec7p t\u1ed1i \u01b0u h\u00f3a chi ph\u00ed thu\u1ebf \u0111\u1ea7u v\u00e0o.<\/p>\n<p data-path-to-node=\"40\">Hy v\u1ecdng nh\u1eefng th\u00f4ng tin chi ti\u1ebft v\u1ec1 quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t n\u00eau tr\u00ean \u0111\u00e3 gi\u00fap b\u1ea1n v\u00e0 doanh nghi\u1ec7p c\u00f3 c\u00e1i nh\u00ecn t\u1ed5ng quan v\u00e0 ch\u00ednh x\u00e1c nh\u1ea5t \u0111\u1ec3 s\u1eb5n s\u00e0ng cho nh\u1eefng thay \u0111\u1ed5i ph\u00e1p l\u00fd s\u1eafp t\u1edbi.<\/p>\n<p data-path-to-node=\"40\"><strong>Xem th\u00eam:<\/strong><\/p>\n<p data-path-to-node=\"40\"><a href=\"https:\/\/vtcpay.vn\/blog\/top-cac-san-thuong-mai-dien-tu-quoc-te-uy-tin-hang-dau-2026.html\">Top c\u00e1c s\u00e0n th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed qu\u1ed1c t\u1ebf uy t\u00edn h\u00e0ng \u0111\u1ea7u 2026<\/a><\/p>\n<p data-path-to-node=\"40\"><a href=\"https:\/\/vtcpay.vn\/blog\/cong-thanh-toan-truc-tuyen-la-gi-khai-niem-loi-ich-va-cach-tich-hop.html\">C\u1ed5ng thanh to\u00e1n tr\u1ef1c tuy\u1ebfn l\u00e0 g\u00ec? Kh\u00e1i ni\u1ec7m, l\u1ee3i \u00edch, c\u00e1ch t\u00edch h\u1ee3p<\/a><\/p>\n<p data-path-to-node=\"40\"><a href=\"https:\/\/vtcpay.vn\/blog\/pci-dss-tieu-chuan-bao-mat-bat-buoc-trong-thanh-toan-so.html\">PCI DSS: Ti\u00eau chu\u1ea9n b\u1ea3o m\u1eadt b\u1eaft bu\u1ed9c trong thanh to\u00e1n s\u1ed1<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t l\u00e0 \u0111i\u1ec1u ki\u1ec7n b\u1eaft bu\u1ed9c \u0111\u1ec3 doanh nghi\u1ec7p \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng (GTGT) v\u00e0 ghi nh\u1eadn chi ph\u00ed \u0111\u01b0\u1ee3c tr\u1eeb khi t\u00ednh thu\u1ebf thu nh\u1eadp doanh nghi\u1ec7p. Theo l\u1ed9 tr\u00ecnh c\u1ea3i c\u00e1ch h\u1ec7 th\u1ed1ng thu\u1ebf, t\u1eeb ng\u00e0y 01\/7\/2025, nh\u1eefng thay \u0111\u1ed5i quan tr\u1ecdng [&hellip;]<\/p>\n","protected":false},"author":29,"featured_media":39618,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[171],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Th\u00f4ng tin quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t m\u1edbi nh\u1ea5t<\/title>\n<meta name=\"description\" content=\"Quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t theo Ngh\u1ecb \u0111\u1ecbnh 181\/2025\/N\u0110-CP v\u00e0 Lu\u1eadt Thu\u1ebf GTGT 2024 b\u1eaft bu\u1ed9c \u00e1p d\u1ee5ng t\u1eeb 01\/7\/2025.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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