{"id":39695,"date":"2026-01-24T12:03:45","date_gmt":"2026-01-24T05:03:45","guid":{"rendered":"https:\/\/vtcpay.vn\/blog\/?p=39695"},"modified":"2026-01-24T12:03:45","modified_gmt":"2026-01-24T05:03:45","slug":"trung-gian-thanh-toan-la-gi-5-trung-gian-thanh-toan-tai-viet-nam","status":"publish","type":"post","link":"https:\/\/vtcpay.vn\/blog\/trung-gian-thanh-toan-la-gi-5-trung-gian-thanh-toan-tai-viet-nam.html","title":{"rendered":"Trung gian thanh to\u00e1n l\u00e0 g\u00ec? 5 trung gian thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam"},"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-69d61477a5d18\" 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-69d61477a5d18\" 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\/trung-gian-thanh-toan-la-gi-5-trung-gian-thanh-toan-tai-viet-nam.html\/#1_Trung_gian_thanh_toan_la_gi\" >1. Trung gian thanh to\u00e1n l\u00e0 g\u00ec?\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/vtcpay.vn\/blog\/trung-gian-thanh-toan-la-gi-5-trung-gian-thanh-toan-tai-viet-nam.html\/#Ban_chat_cua_dich_vu_trung_gian_thanh_toan\" >B\u1ea3n ch\u1ea5t c\u1ee7a d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n<\/a><\/li><\/ul><\/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\/trung-gian-thanh-toan-la-gi-5-trung-gian-thanh-toan-tai-viet-nam.html\/#2_Cac_hinh_thuc_dich_vu_trung_gian_thanh_toan_hien_nay\" >2. C\u00e1c h\u00ecnh th\u1ee9c d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n 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\/trung-gian-thanh-toan-la-gi-5-trung-gian-thanh-toan-tai-viet-nam.html\/#21_Nhom_dich_vu_cung_ung_ha_tang_thanh_toan_dien_tu\" >2.1. Nh\u00f3m d\u1ecbch v\u1ee5 cung \u1ee9ng h\u1ea1 t\u1ea7ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed<\/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\/trung-gian-thanh-toan-la-gi-5-trung-gian-thanh-toan-tai-viet-nam.html\/#22_Nhom_dich_vu_ho_tro_dich_vu_thanh_toan\" >2.2. Nh\u00f3m d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 d\u1ecbch v\u1ee5 thanh to\u00e1n<\/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\/trung-gian-thanh-toan-la-gi-5-trung-gian-thanh-toan-tai-viet-nam.html\/#3_Dieu_kien_de_tro_thanh_to_chuc_cung_ung_dich_vu_trung_gian_thanh_toan\" >3. \u0110i\u1ec1u ki\u1ec7n \u0111\u1ec3 tr\u1edf th\u00e0nh t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n<\/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\/trung-gian-thanh-toan-la-gi-5-trung-gian-thanh-toan-tai-viet-nam.html\/#4_Top_5_don_vi_trung_gian_thanh_toan_uy_tin_tai_Viet_Nam\" >4. Top 5 \u0111\u01a1n v\u1ecb trung gian thanh to\u00e1n uy t\u00edn t\u1ea1i Vi\u1ec7t Nam<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/vtcpay.vn\/blog\/trung-gian-thanh-toan-la-gi-5-trung-gian-thanh-toan-tai-viet-nam.html\/#41_Cong_thanh_toan_VTC_Pay\" >4.1. C\u1ed5ng thanh to\u00e1n VTC Pay<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/vtcpay.vn\/blog\/trung-gian-thanh-toan-la-gi-5-trung-gian-thanh-toan-tai-viet-nam.html\/#42_MoMo_M_Service\" >4.2. MoMo (M_Service)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/vtcpay.vn\/blog\/trung-gian-thanh-toan-la-gi-5-trung-gian-thanh-toan-tai-viet-nam.html\/#43_ZaloPay\" >4.3. ZaloPay\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/vtcpay.vn\/blog\/trung-gian-thanh-toan-la-gi-5-trung-gian-thanh-toan-tai-viet-nam.html\/#44_9Pay_%E2%80%93_Cong_thanh_toan_da_nen_tang\" >4.4. 9Pay \u2013 C\u1ed5ng thanh to\u00e1n \u0111a n\u1ec1n t\u1ea3ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/vtcpay.vn\/blog\/trung-gian-thanh-toan-la-gi-5-trung-gian-thanh-toan-tai-viet-nam.html\/#45_JETPAY\" >4.5. JETPAY<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/vtcpay.vn\/blog\/trung-gian-thanh-toan-la-gi-5-trung-gian-thanh-toan-tai-viet-nam.html\/#5_Loi_ich_khi_doanh_nghiep_tich_hop_trung_gian_thanh_toan\" >5. L\u1ee3i \u00edch khi doanh nghi\u1ec7p t\u00edch h\u1ee3p trung gian thanh to\u00e1n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/vtcpay.vn\/blog\/trung-gian-thanh-toan-la-gi-5-trung-gian-thanh-toan-tai-viet-nam.html\/#Ket_luan\" >K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<p data-path-to-node=\"4\">&#8220;Ti\u1ec1n m\u1eb7t&#8221; \u0111ang d\u1ea7n \u0111\u01b0\u1ee3c thay th\u1ebf b\u1edfi nh\u1eefng c\u00fa ch\u1ea1m tr\u00ean m\u00e0n h\u00ecnh \u0111i\u1ec7n tho\u1ea1i. \u0110\u1ee9ng sau s\u1ef1 ti\u1ec7n l\u1ee3i \u0111\u00f3 ch\u00ednh l\u00e0 <a href=\"https:\/\/vtcpay.vn\/blog\/?p=39695&amp;preview=true\">h\u1ec7 th\u1ed1ng <b data-path-to-node=\"4\" data-index-in-node=\"150\">trung gian thanh to\u00e1n<\/b><\/a> \u2013 &#8220;m\u1ea1ch m\u00e1u&#8221; k\u1ebft n\u1ed1i gi\u1eefa ng\u01b0\u1eddi mua, ng\u01b0\u1eddi b\u00e1n v\u00e0 ng\u00e2n h\u00e0ng. V\u1eady c\u1ee5 th\u1ec3 <b data-path-to-node=\"4\" data-index-in-node=\"244\">trung gian thanh to\u00e1n l\u00e0 g\u00ec<\/b>, ch\u1ee9c n\u0103ng c\u1ee7a n\u00f3 ra sao v\u00e0 \u0111\u01a1n v\u1ecb n\u00e0o \u0111ang d\u1eabn \u0111\u1ea7u th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam hi\u1ec7n nay? C\u00f9ng <a href=\"https:\/\/vtcpay.vn\/blog\/\">VTC Pay Blog<\/a> t\u00ecm hi\u1ec3u ngay.<\/p>\n<h2 data-path-to-node=\"5\"><span class=\"ez-toc-section\" id=\"1_Trung_gian_thanh_toan_la_gi\"><\/span><span style=\"color: #3366ff;\"><strong>1. Trung gian thanh to\u00e1n l\u00e0 g\u00ec?\u00a0<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"8\"><b data-path-to-node=\"8\" data-index-in-node=\"0\">Trung gian thanh to\u00e1n<\/b> (ti\u1ebfng Anh l\u00e0 <i data-path-to-node=\"8\" data-index-in-node=\"36\">Payment Intermediary<\/i>) \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 ho\u1ea1t \u0111\u1ed9ng l\u00e0m trung gian k\u1ebft n\u1ed1i, truy\u1ec1n d\u1eabn v\u00e0 th\u1ef1c hi\u1ec7n x\u1eed l\u00fd d\u1eef li\u1ec7u \u0111i\u1ec7n t\u1eed c\u1ee7a c\u00e1c giao d\u1ecbch thanh to\u00e1n gi\u1eefa ng\u01b0\u1eddi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 thanh to\u00e1n v\u00e0 t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 thanh to\u00e1n.<\/p>\n<p data-path-to-node=\"9\">N\u00f3i m\u1ed9t c\u00e1ch \u0111\u01a1n gi\u1ea3n h\u01a1n, \u0111\u00e2y l\u00e0 &#8220;c\u1ea7u n\u1ed1i&#8221; k\u1ef9 thu\u1eadt. Khi b\u1ea1n mua m\u1ed9t m\u00f3n h\u00e0ng tr\u00ean website th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed v\u00e0 ch\u1ecdn thanh to\u00e1n qua th\u1ebb ho\u1eb7c v\u00ed, \u0111\u01a1n v\u1ecb trung gian s\u1ebd ti\u1ebfp nh\u1eadn y\u00eau c\u1ea7u, ki\u1ec3m tra t\u00ednh h\u1ee3p l\u1ec7 c\u1ee7a t\u00e0i kho\u1ea3n v\u00e0 chuy\u1ec3n th\u00f4ng tin \u0111\u1ebfn ng\u00e2n h\u00e0ng \u0111\u1ec3 th\u1ef1c hi\u1ec7n vi\u1ec7c tr\u1eeb ti\u1ec1n v\u00e0 ghi c\u00f3 cho ng\u01b0\u1eddi b\u00e1n.<\/p>\n<h3 data-path-to-node=\"10\"><span class=\"ez-toc-section\" id=\"Ban_chat_cua_dich_vu_trung_gian_thanh_toan\"><\/span><strong>B\u1ea3n ch\u1ea5t c\u1ee7a d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"11\">V\u1ec1 b\u1ea3n ch\u1ea5t, \u0111\u00e2y l\u00e0 t\u1ed5 ch\u1ee9c phi ng\u00e2n h\u00e0ng \u0111\u01b0\u1ee3c Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc (NHNN) c\u1ea5p ph\u00e9p \u0111\u1ec3 cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p h\u1ea1 t\u1ea7ng v\u00e0 h\u1ed7 tr\u1ee3 giao d\u1ecbch. S\u1ef1 hi\u1ec7n di\u1ec7n c\u1ee7a <b data-path-to-node=\"11\" data-index-in-node=\"154\">trung gian thanh to\u00e1n<\/b> gi\u00fap gi\u1ea3m b\u1edbt r\u1ee7i ro khi mang theo ti\u1ec1n m\u1eb7t, \u0111\u1ed3ng th\u1eddi t\u0103ng t\u1ed1c \u0111\u1ed9 lu\u00e2n chuy\u1ec3n v\u1ed1n trong x\u00e3 h\u1ed9i.<\/p>\n<p data-path-to-node=\"11\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-39699\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/01\/trung-gian-thanh-toan-01.webp\" alt=\"trung gian thanh to\u00e1n\" width=\"650\" height=\"340\" \/><\/p>\n<h2 data-path-to-node=\"13\"><span class=\"ez-toc-section\" id=\"2_Cac_hinh_thuc_dich_vu_trung_gian_thanh_toan_hien_nay\"><\/span><span style=\"color: #3366ff;\"><strong>2. C\u00e1c h\u00ecnh th\u1ee9c d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n hi\u1ec7n nay<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"14\">Theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh, d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m \u0111\u01a1n nh\u1ea5t m\u00e0 bao g\u1ed3m nhi\u1ec1u lo\u1ea1i h\u00ecnh nghi\u1ec7p v\u1ee5 kh\u00e1c nhau, \u0111\u01b0\u1ee3c chia th\u00e0nh 2 nh\u00f3m ch\u00ednh:<\/p>\n<h3 data-path-to-node=\"15\"><span class=\"ez-toc-section\" id=\"21_Nhom_dich_vu_cung_ung_ha_tang_thanh_toan_dien_tu\"><\/span><strong>2.1. Nh\u00f3m d\u1ecbch v\u1ee5 cung \u1ee9ng h\u1ea1 t\u1ea7ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"16\">\u0110\u00e2y l\u00e0 &#8220;ph\u1ea7n x\u01b0\u01a1ng s\u1ed1ng&#8221; k\u1ef9 thu\u1eadt gi\u00fap c\u00e1c giao d\u1ecbch c\u00f3 th\u1ec3 di\u1ec5n ra th\u00f4ng su\u1ed1t:<\/p>\n<ul data-path-to-node=\"17\">\n<li>\n<p data-path-to-node=\"17,0,0\">D\u1ecbch v\u1ee5 chuy\u1ec3n m\u1ea1ch t\u00e0i ch\u00ednh cung \u1ee9ng h\u1ea1 t\u1ea7ng k\u1ef9 thu\u1eadt \u0111\u1ec3 k\u1ebft n\u1ed1i, truy\u1ec1n d\u1eabn d\u1eef li\u1ec7u giao d\u1ecbch gi\u1eefa c\u00e1c t\u1ed5 ch\u1ee9c thanh to\u00e1n qua ATM, POS, Internet ho\u1eb7c \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"17,1,0\">D\u1ecbch v\u1ee5 b\u00f9 tr\u1eeb \u0111i\u1ec7n t\u1eed l\u00e0 h\u1ec7 th\u1ed1ng ti\u1ebfp nh\u1eadn, \u0111\u1ed1i chi\u1ebfu v\u00e0 t\u00ednh to\u00e1n k\u1ebft qu\u1ea3 s\u1ed1 ti\u1ec1n ph\u1ea3i thu, ph\u1ea3i tr\u1ea3 gi\u1eefa c\u00e1c th\u00e0nh vi\u00ean tham gia \u0111\u1ec3 th\u1ef1c hi\u1ec7n quy\u1ebft to\u00e1n cu\u1ed1i c\u00f9ng.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"17,2,0\">D\u1ecbch v\u1ee5 c\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed, gi\u1ea3i ph\u00e1p cho ph\u00e9p c\u00e1c website b\u00e1n h\u00e0ng k\u1ebft n\u1ed1i v\u1edbi ng\u00e2n h\u00e0ng, h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng thanh to\u00e1n h\u00f3a \u0111\u01a1n, mua s\u1eafm tr\u1ef1c tuy\u1ebfn m\u1ed9t c\u00e1ch nhanh ch\u00f3ng.<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"18\"><span class=\"ez-toc-section\" id=\"22_Nhom_dich_vu_ho_tro_dich_vu_thanh_toan\"><\/span><strong>2.2. Nh\u00f3m d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 d\u1ecbch v\u1ee5 thanh to\u00e1n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"19\">\u0110\u00e2y l\u00e0 nh\u00f3m d\u1ecbch v\u1ee5 m\u00e0 ng\u01b0\u1eddi d\u00f9ng cu\u1ed1i th\u01b0\u1eddng xuy\u00ean ti\u1ebfp x\u00fac tr\u1ef1c ti\u1ebfp:<\/p>\n<ul data-path-to-node=\"20\">\n<li>\n<p data-path-to-node=\"20,0,0\">D\u1ecbch v\u1ee5 v\u00ed \u0111i\u1ec7n t\u1eed.\u00a0M\u1ed9t t\u00e0i kho\u1ea3n \u0111i\u1ec7n t\u1eed \u0111\u1ecbnh danh (tr\u00ean app, sim \u0111i\u1ec7n tho\u1ea1i&#8230;) cho ph\u00e9p kh\u00e1ch h\u00e0ng n\u1ea1p ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng v\u00e0o \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch nh\u1ecf l\u1ebb h\u1eb1ng ng\u00e0y.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"20,1,0\">D\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 thu h\u1ed9, chi h\u1ed9 h\u1ed7 tr\u1ee3 ng\u00e2n h\u00e0ng th\u1ef1c hi\u1ec7n vi\u1ec7c thu ti\u1ec1n (h\u00f3a \u0111\u01a1n \u0111i\u1ec7n, n\u01b0\u1edbc&#8230;) ho\u1eb7c chi l\u01b0\u01a1ng, chi th\u01b0\u1edfng cho kh\u00e1ch h\u00e0ng th\u00f4ng qua d\u1eef li\u1ec7u \u0111i\u1ec7n t\u1eed.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"20,2,0\">D\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 chuy\u1ec3n ti\u1ec1n \u0111i\u1ec7n t\u1eed ti\u1ebfp nh\u1eadn v\u00e0 truy\u1ec1n d\u1eabn d\u1eef li\u1ec7u trong c\u00e1c giao d\u1ecbch chuy\u1ec3n ti\u1ec1n \u0111\u01b0\u1ee3c ng\u00e2n h\u00e0ng \u1ee7y th\u00e1c.<\/p>\n<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-39698\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/01\/trung-gian-thanh-toan-02.webp\" alt=\"trung gian thanh to\u00e1n \" width=\"650\" height=\"340\" \/><\/p>\n<h2 data-path-to-node=\"29\"><span class=\"ez-toc-section\" id=\"3_Dieu_kien_de_tro_thanh_to_chuc_cung_ung_dich_vu_trung_gian_thanh_toan\"><\/span><span style=\"color: #3366ff;\"><strong>3. \u0110i\u1ec1u ki\u1ec7n \u0111\u1ec3 tr\u1edf th\u00e0nh t\u1ed5 ch\u1ee9c cung \u1ee9ng d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"30\">Kinh doanh d\u1ecbch v\u1ee5 trung gian thanh to\u00e1n l\u00e0 ng\u00e0nh ngh\u1ec1 kinh doanh c\u00f3 \u0111i\u1ec1u ki\u1ec7n v\u00e0 ch\u1ecbu s\u1ef1 gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd c\u1ee7a Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc. \u0110\u1ec3 \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p, m\u1ed9t t\u1ed5 ch\u1ee9c phi ng\u00e2n h\u00e0ng c\u1ea7n \u0111\u00e1p \u1ee9ng c\u00e1c ti\u00eau chu\u1ea9n sau:<\/p>\n<table data-path-to-node=\"31\">\n<thead>\n<tr>\n<td><strong>Ti\u00eau ch\u00ed<\/strong><\/td>\n<td><strong>\u0110i\u1ec1u ki\u1ec7n chi ti\u1ebft<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Ph\u00e1p l\u00fd<\/td>\n<td>C\u00f3 gi\u1ea5y ph\u00e9p kinh doanh quy \u0111\u1ecbnh r\u00f5 ho\u1ea1t \u0111\u1ed9ng trung gian thanh to\u00e1n l\u00e0 ng\u00e0nh ch\u00ednh.<\/td>\n<\/tr>\n<tr>\n<td>V\u1ed1n \u0111i\u1ec1u l\u1ec7<\/td>\n<td>M\u1ee9c v\u1ed1n t\u1ed1i thi\u1ec3u ph\u1ea3i \u0111\u1ea1t t\u1eeb 50 t\u1ef7 \u0111\u1ed3ng Vi\u1ec7t Nam.<\/td>\n<\/tr>\n<tr>\n<td>Nh\u00e2n s\u1ef1<\/td>\n<td>Ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n ph\u00e1p lu\u1eadt, T\u1ed5ng gi\u00e1m \u0111\u1ed1c ph\u1ea3i c\u00f3 tr\u00ecnh \u0111\u1ed9 chuy\u00ean m\u00f4n v\u00e0 kinh nghi\u1ec7m qu\u1ea3n tr\u1ecb th\u1ef1c t\u1ebf trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh\/ng\u00e2n h\u00e0ng.<\/td>\n<\/tr>\n<tr>\n<td>K\u1ef9 thu\u1eadt<\/td>\n<td>H\u1ea1 t\u1ea7ng k\u1ef9 thu\u1eadt an to\u00e0n, b\u1ea3o m\u1eadt; c\u00f3 h\u1ec7 th\u1ed1ng d\u1ef1 ph\u00f2ng \u0111\u1ed9c l\u1eadp \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o d\u1ecbch v\u1ee5 kh\u00f4ng b\u1ecb gi\u00e1n \u0111o\u1ea1n khi h\u1ec7 th\u1ed1ng ch\u00ednh g\u1eb7p s\u1ef1 c\u1ed1.<\/td>\n<\/tr>\n<tr>\n<td>Quy tr\u00ecnh<\/td>\n<td>C\u00f3 c\u01a1 ch\u1ebf ki\u1ec3m so\u00e1t n\u1ed9i b\u1ed9, quy tr\u00ecnh ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n v\u00e0 gi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i kh\u00e1ch h\u00e0ng minh b\u1ea1ch.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 data-path-to-node=\"33\"><span class=\"ez-toc-section\" id=\"4_Top_5_don_vi_trung_gian_thanh_toan_uy_tin_tai_Viet_Nam\"><\/span><span style=\"color: #3366ff;\"><strong>4. Top 5 \u0111\u01a1n v\u1ecb trung gian thanh to\u00e1n uy t\u00edn t\u1ea1i Vi\u1ec7t Nam<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"34\">T\u00ednh \u0111\u1ebfn n\u0103m 2026, th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam c\u00f3 h\u01a1n 50 t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 5 c\u00e1i t\u00ean ti\u00eau bi\u1ec3u nh\u1ea5t \u0111\u1ea1i di\u1ec7n cho c\u00e1c m\u00f4 h\u00ecnh kh\u00e1c nhau:<\/p>\n<h3 data-path-to-node=\"35\"><span class=\"ez-toc-section\" id=\"41_Cong_thanh_toan_VTC_Pay\"><\/span><strong>4.1.<a href=\"https:\/\/doitac.vtcpay.vn\/\"> C\u1ed5ng thanh to\u00e1n VTC Pay<\/a><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><a href=\"https:\/\/doitac.vtcpay.vn\/\"><b data-path-to-node=\"1\" data-index-in-node=\"0\">C\u1ed5ng thanh to\u00e1n VTC Pay<\/b><\/a> l\u00e0 \u0111\u01a1n v\u1ecb uy t\u00edn tr\u1ef1c thu\u1ed9c T\u1ed5ng C\u00f4ng ty VTC, k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp v\u1edbi h\u01a1n 40 ng\u00e2n h\u00e0ng n\u1ed9i \u0111\u1ecba v\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c th\u1ebb qu\u1ed1c t\u1ebf.<\/p>\n<p>V\u1edbi th\u1ebf m\u1ea1nh v\u1ec1 b\u1ea3o m\u1eadt chu\u1ea9n PCI DSS v\u00e0 h\u1ec7 sinh th\u00e1i d\u1ecbch v\u1ee5 s\u1ed1 \u0111a d\u1ea1ng, <a href=\"https:\/\/doitac.vtcpay.vn\/\">VTC Pay<\/a> cung c\u1ea5p gi\u1ea3i ph\u00e1p t\u00edch h\u1ee3p thanh to\u00e1n linh ho\u1ea1t, t\u1eeb QR Code \u0111\u1ebfn Payment Link, gi\u00fap doanh nghi\u1ec7p x\u1eed l\u00fd giao d\u1ecbch nhanh ch\u00f3ng v\u00e0 an to\u00e0n tuy\u1ec7t \u0111\u1ed1i.<\/p>\n<h3 data-path-to-node=\"38\"><span class=\"ez-toc-section\" id=\"42_MoMo_M_Service\"><\/span><strong>4.2. MoMo (M_Service)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"39\">L\u00e0 &#8220;k\u1ef3 l\u00e2n&#8221; trong l\u0129nh v\u1ef1c v\u00ed \u0111i\u1ec7n t\u1eed, MoMo s\u1edf h\u1eefu l\u01b0\u1ee3ng ng\u01b0\u1eddi d\u00f9ng kh\u1ed5ng l\u1ed3 nh\u1edd s\u1ef1 \u0111a d\u1ea1ng trong d\u1ecbch v\u1ee5 t\u1eeb thanh to\u00e1n h\u00f3a \u0111\u01a1n \u0111\u1ebfn t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n. H\u1ec7 th\u1ed1ng b\u1ea3o m\u1eadt c\u1ee7a MoMo \u0111\u1ea1t chu\u1ea9n qu\u1ed1c t\u1ebf PCI DSS m\u1ee9c \u0111\u1ed9 cao nh\u1ea5t.<\/p>\n<h3 data-path-to-node=\"40\"><span class=\"ez-toc-section\" id=\"43_ZaloPay\"><\/span><strong>4.3. ZaloPay\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"41\">T\u1eadn d\u1ee5ng l\u1ee3i th\u1ebf h\u1ec7 sinh th\u00e1i Zalo v\u1edbi h\u00e0ng ch\u1ee5c tri\u1ec7u ng\u01b0\u1eddi d\u00f9ng, ZaloPay cho ph\u00e9p thanh to\u00e1n ngay trong khung chat, mang l\u1ea1i tr\u1ea3i nghi\u1ec7m v\u00f4 c\u00f9ng m\u01b0\u1ee3t m\u00e0 v\u00e0 ti\u1ec7n l\u1ee3i cho ng\u01b0\u1eddi d\u00f9ng ph\u1ed5 th\u00f4ng.<\/p>\n<h3 data-path-to-node=\"42\"><span class=\"ez-toc-section\" id=\"44_9Pay_%E2%80%93_Cong_thanh_toan_da_nen_tang\"><\/span><strong>4.4. 9Pay \u2013 C\u1ed5ng thanh to\u00e1n \u0111a n\u1ec1n t\u1ea3ng<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"43\">9Pay n\u1ed5i b\u1eadt v\u1edbi kh\u1ea3 n\u0103ng h\u1ed7 tr\u1ee3 c\u1ea3 thanh to\u00e1n Online (t\u00edch h\u1ee3p website\/app) v\u00e0 Offline (qu\u00e9t QR t\u1ea1i qu\u1ea7y, m\u00e1y mPOS). \u0110\u00e2y l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t cho c\u00e1c \u0111\u01a1n v\u1ecb kinh doanh \u0111a k\u00eanh mu\u1ed1n qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n t\u1eadp trung.<\/p>\n<h3 data-path-to-node=\"44\"><span class=\"ez-toc-section\" id=\"45_JETPAY\"><\/span><strong>4.5. JETPAY<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"45\">JETPAY \u0111\u1ecbnh h\u01b0\u1edbng ph\u00e1t tri\u1ec3n theo m\u00f4 h\u00ecnh Fintech chuy\u00ean s\u00e2u, cung c\u1ea5p c\u00e1c gi\u1ea3i ph\u00e1p thanh to\u00e1n d\u00e0nh ri\u00eang cho kh\u1ed1i gi\u00e1o d\u1ee5c, d\u1ecbch v\u1ee5 c\u00f4ng v\u00e0 doanh nghi\u1ec7p c\u1ea7n t\u00ednh t\u1ef1 \u0111\u1ed9ng h\u00f3a cao trong quy tr\u00ecnh ki\u1ec3m so\u00e1t d\u00f2ng ti\u1ec1n.<\/p>\n<p data-path-to-node=\"45\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-39697\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/01\/trung-gian-thanh-toan-03.webp\" alt=\"\" width=\"650\" height=\"340\" \/><\/p>\n<h2 data-path-to-node=\"47\"><span class=\"ez-toc-section\" id=\"5_Loi_ich_khi_doanh_nghiep_tich_hop_trung_gian_thanh_toan\"><\/span><span style=\"color: #3366ff;\"><strong>5. L\u1ee3i \u00edch khi doanh nghi\u1ec7p t\u00edch h\u1ee3p trung gian thanh to\u00e1n<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"48\">Vi\u1ec7c s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 t\u1eeb m\u1ed9t b\u00ean trung gian thanh to\u00e1n uy t\u00edn mang l\u1ea1i gi\u00e1 tr\u1ecb th\u1ef1c t\u1ebf cho c\u1ea3 ng\u01b0\u1eddi b\u00e1n v\u00e0 ng\u01b0\u1eddi mua:<\/p>\n<ul>\n<li data-path-to-node=\"49,0,0\">T\u1ed1i \u01b0u chi ph\u00ed v\u1eadn h\u00e0nh v\u00ec doanh nghi\u1ec7p kh\u00f4ng c\u1ea7n \u0111\u1ea7u t\u01b0 qu\u00e1 nhi\u1ec1u nh\u00e2n s\u1ef1 \u0111\u1ec3 \u0111\u1ed1i so\u00e1t th\u1ee7 c\u00f4ng t\u1eebng giao d\u1ecbch ti\u1ec1n m\u1eb7t.<\/li>\n<li data-path-to-node=\"49,0,0\">T\u0103ng t\u1ef7 l\u1ec7 chuy\u1ec3n \u0111\u1ed5i. Kh\u00e1ch h\u00e0ng d\u1ec5 d\u00e0ng thanh to\u00e1n ngay khi c\u00f3 nhu c\u1ea7u mua s\u1eafm, tr\u00e1nh vi\u1ec7c thay \u0111\u1ed5i quy\u1ebft \u0111\u1ecbnh do th\u1ee7 t\u1ee5c chuy\u1ec3n kho\u1ea3n r\u01b0\u1eddm r\u00e0.<\/li>\n<li data-path-to-node=\"49,0,0\">C\u00e1c ti\u00eau chu\u1ea9n b\u1ea3o m\u1eadt nh\u01b0 Tokenization hay x\u00e1c th\u1ef1c 2 l\u1edbp (2FA) gi\u00fap b\u1ea3o v\u1ec7 th\u00f4ng tin th\u1ebb v\u00e0 t\u00e0i kho\u1ea3n kh\u00e1ch h\u00e0ng kh\u1ecfi nguy c\u01a1 b\u1ecb \u0111\u00e1nh c\u1eafp, an to\u00e0n tuy\u1ec7t \u0111\u1ed1i.<\/li>\n<li data-path-to-node=\"49,0,0\">M\u1ecdi l\u1ecbch s\u1eed giao d\u1ecbch \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef v\u00e0 xu\u1ea5t b\u00e1o c\u00e1o t\u1ef1 \u0111\u1ed9ng, minh b\u1ea1ch, h\u1ed7 tr\u1ee3 \u0111\u1eafc l\u1ef1c cho c\u00f4ng t\u00e1c k\u1ebf to\u00e1n v\u00e0 ki\u1ec3m to\u00e1n.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-39696 size-full\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/01\/trung-gian-thanh-toan-04.webp\" alt=\"\" width=\"650\" height=\"340\" \/><\/p>\n<h2 data-path-to-node=\"56\"><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=\"57\">D\u1ecbch v\u1ee5 <b data-path-to-node=\"57\" data-index-in-node=\"8\">trung gian thanh to\u00e1n<\/b> \u0111\u00e3 v\u00e0 \u0111ang l\u00e0m thay \u0111\u1ed5i ho\u00e0n to\u00e0n di\u1ec7n m\u1ea1o c\u1ee7a n\u1ec1n kinh t\u1ebf Vi\u1ec7t Nam. Kh\u00f4ng ch\u1ec9 l\u00e0 c\u00f4ng c\u1ee5 h\u1ed7 tr\u1ee3 giao d\u1ecbch, \u0111\u00e2y c\u00f2n l\u00e0 \u0111\u00f2n b\u1ea9y gi\u00fap c\u00e1c doanh nghi\u1ec7p chuy\u1ec3n \u0111\u1ed5i s\u1ed1 m\u1ea1nh m\u1ebd, ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng hi\u1ec7u qu\u1ea3 h\u01a1n v\u00e0 qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u1ed1t h\u01a1n.<\/p>\n<p data-path-to-node=\"57\"><b data-path-to-node=\"59,0\" data-index-in-node=\"0\">B\u1ea1n c\u1ea7n t\u01b0 v\u1ea5n gi\u1ea3i ph\u00e1p t\u00edch h\u1ee3p trung gian thanh to\u00e1n?<\/b><\/p>\n<p data-path-to-node=\"59,0\">Li\u00ean h\u1ec7 ngay hotline c\u1ee7a VTC Pay \u0111\u1ec3 \u0111\u01b0\u1ee3c \u0111\u1ed9i ng\u0169 chuy\u00ean gia h\u1ed7 tr\u1ee3 quy tr\u00ecnh tri\u1ec3n khai nhanh ch\u00f3ng nh\u1ea5t!<\/p>\n<figure id=\"attachment_38487\" aria-describedby=\"caption-attachment-38487\" style=\"width: 640px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-38487\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/11\/lien-he-vtc-pay.jpg\" alt=\"Li\u00ean h\u1ec7 c\u1ed5ng thanh to\u00e1n VTC PAY\" width=\"640\" height=\"358\" srcset=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/11\/lien-he-vtc-pay.jpg 640w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2025\/11\/lien-he-vtc-pay-300x168.jpg 300w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><figcaption id=\"caption-attachment-38487\" class=\"wp-caption-text\">Li\u00ean h\u1ec7 c\u1ed5ng thanh to\u00e1n VTC PAY<\/figcaption><\/figure>\n<p data-path-to-node=\"59,0\"><strong>Xem th\u00eam:<\/strong><\/p>\n<p data-path-to-node=\"59,0\"><a href=\"https:\/\/vtcpay.vn\/blog\/shopify-la-gi-uu-diem-va-han-che-ai-phu-hop-voi-shopify.html\">Shopify l\u00e0 g\u00ec? \u01afu \u0111i\u1ec3m v\u00e0 h\u1ea1n ch\u1ebf, ai ph\u00f9 h\u1ee3p v\u1edbi Shopify?<\/a><\/p>\n<p data-path-to-node=\"59,0\"><a href=\"https:\/\/vtcpay.vn\/blog\/cong-thanh-toan-dien-tu.html\">C\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed l\u00e0 g\u00ec? Gi\u1ea3i ph\u00e1p thanh to\u00e1n doanh nghi\u1ec7p<\/a><\/p>\n<p data-path-to-node=\"59,0\"><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","protected":false},"excerpt":{"rendered":"<p>&#8220;Ti\u1ec1n m\u1eb7t&#8221; \u0111ang d\u1ea7n \u0111\u01b0\u1ee3c thay th\u1ebf b\u1edfi nh\u1eefng c\u00fa ch\u1ea1m tr\u00ean m\u00e0n h\u00ecnh \u0111i\u1ec7n tho\u1ea1i. \u0110\u1ee9ng sau s\u1ef1 ti\u1ec7n l\u1ee3i \u0111\u00f3 ch\u00ednh l\u00e0 h\u1ec7 th\u1ed1ng trung gian thanh to\u00e1n \u2013 &#8220;m\u1ea1ch m\u00e1u&#8221; k\u1ebft n\u1ed1i gi\u1eefa ng\u01b0\u1eddi mua, ng\u01b0\u1eddi b\u00e1n v\u00e0 ng\u00e2n h\u00e0ng. V\u1eady c\u1ee5 th\u1ec3 trung gian thanh to\u00e1n l\u00e0 g\u00ec, ch\u1ee9c n\u0103ng c\u1ee7a [&hellip;]<\/p>\n","protected":false},"author":29,"featured_media":39700,"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>Trung gian thanh to\u00e1n l\u00e0 g\u00ec? 5 trung gian thanh to\u00e1n t\u1ea1i Vi\u1ec7t Nam<\/title>\n<meta name=\"description\" content=\"Trung gian thanh to\u00e1n l\u00e0 g\u00ec? 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