{"id":39874,"date":"2026-01-28T21:10:38","date_gmt":"2026-01-28T14:10:38","guid":{"rendered":"https:\/\/vtcpay.vn\/blog\/?p=39874"},"modified":"2026-01-28T21:10:38","modified_gmt":"2026-01-28T14:10:38","slug":"tong-hop-cac-phuong-thuc-thanh-toan-quoc-te-dang-co-hien-nay","status":"publish","type":"post","link":"https:\/\/vtcpay.vn\/blog\/tong-hop-cac-phuong-thuc-thanh-toan-quoc-te-dang-co-hien-nay.html","title":{"rendered":"T\u1ed5ng h\u1ee3p c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf \u0111ang c\u00f3 hi\u1ec7n nay"},"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-69d03f6d3f53f\" 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-69d03f6d3f53f\" 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\/tong-hop-cac-phuong-thuc-thanh-toan-quoc-te-dang-co-hien-nay.html\/#1_Thanh_toan_quoc_te_la_gi\" >1. Thanh to\u00e1n qu\u1ed1c t\u1ebf 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\/tong-hop-cac-phuong-thuc-thanh-toan-quoc-te-dang-co-hien-nay.html\/#2_Dac_diem_cua_cac_phuong_thuc_thanh_toan_quoc_te\" >2. \u0110\u1eb7c \u0111i\u1ec3m c\u1ee7a c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/vtcpay.vn\/blog\/tong-hop-cac-phuong-thuc-thanh-toan-quoc-te-dang-co-hien-nay.html\/#21_Dac_diem_phap_ly_va_ky_thuat\" >2.1. \u0110\u1eb7c \u0111i\u1ec3m ph\u00e1p l\u00fd v\u00e0 k\u1ef9 thu\u1eadt<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/vtcpay.vn\/blog\/tong-hop-cac-phuong-thuc-thanh-toan-quoc-te-dang-co-hien-nay.html\/#22_Vai_tro_doi_voi_cac_chu_the\" >2.2. Vai tr\u00f2 \u0111\u1ed1i v\u1edbi c\u00e1c ch\u1ee7 th\u1ec3<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/vtcpay.vn\/blog\/tong-hop-cac-phuong-thuc-thanh-toan-quoc-te-dang-co-hien-nay.html\/#3_Cac_phuong_thuc_thanh_toan_quoc_te_pho_bien\" >3. C\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf ph\u1ed5 bi\u1ebfn<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/vtcpay.vn\/blog\/tong-hop-cac-phuong-thuc-thanh-toan-quoc-te-dang-co-hien-nay.html\/#31_Phuong_thuc_Chuyen_tien_Remittance\" >3.1. Ph\u01b0\u01a1ng th\u1ee9c Chuy\u1ec3n ti\u1ec1n (Remittance)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/vtcpay.vn\/blog\/tong-hop-cac-phuong-thuc-thanh-toan-quoc-te-dang-co-hien-nay.html\/#32_Phuong_thuc_Tin_dung_chung_tu_Letter_of_Credit_%E2%80%93_LC\" >3.2. Ph\u01b0\u01a1ng th\u1ee9c T\u00edn d\u1ee5ng ch\u1ee9ng t\u1eeb (Letter of Credit &#8211; L\/C)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/vtcpay.vn\/blog\/tong-hop-cac-phuong-thuc-thanh-toan-quoc-te-dang-co-hien-nay.html\/#33_Phuong_thuc_Nho_thu_Collection\" >3.3. Ph\u01b0\u01a1ng th\u1ee9c Nh\u1edd thu (Collection)<\/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\/tong-hop-cac-phuong-thuc-thanh-toan-quoc-te-dang-co-hien-nay.html\/#34_Phuong_thuc_Ghi_so_Open_Account\" >3.4. Ph\u01b0\u01a1ng th\u1ee9c Ghi s\u1ed5 (Open Account)<\/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\/tong-hop-cac-phuong-thuc-thanh-toan-quoc-te-dang-co-hien-nay.html\/#35_Phuong_thuc_Giao_chung_tu_tra_tien_CAD_%E2%80%93_Cash_Against_Documents\" >3.5. Ph\u01b0\u01a1ng th\u1ee9c Giao ch\u1ee9ng t\u1eeb tr\u1ea3 ti\u1ec1n (CAD &#8211; Cash Against Documents)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/vtcpay.vn\/blog\/tong-hop-cac-phuong-thuc-thanh-toan-quoc-te-dang-co-hien-nay.html\/#4_So_sanh_cac_phuong_thuc_thanh_toan_quoc_te\" >4. So s\u00e1nh c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/vtcpay.vn\/blog\/tong-hop-cac-phuong-thuc-thanh-toan-quoc-te-dang-co-hien-nay.html\/#5_Luu_y_khi_thuc_hien_cac_phuong_thuc_thanh_toan_quoc_te\" >5. L\u01b0u \u00fd khi th\u1ef1c hi\u1ec7n c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf<\/a><\/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\/tong-hop-cac-phuong-thuc-thanh-toan-quoc-te-dang-co-hien-nay.html\/#Ket_luan\" >K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<p data-path-to-node=\"4\">Ho\u1ea1t \u0111\u1ed9ng xu\u1ea5t nh\u1eadp kh\u1ea9u v\u00e0 giao th\u01b0\u01a1ng xuy\u00ean bi\u00ean gi\u1edbi \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ea1ch m\u00e1u c\u1ee7a n\u1ec1n kinh t\u1ebf. Tuy nhi\u00ean, r\u00e0o c\u1ea3n v\u1ec1 kho\u1ea3ng c\u00e1ch \u0111\u1ecba l\u00fd v\u00e0 s\u1ef1 kh\u00e1c bi\u1ec7t v\u1ec1 lu\u1eadt ph\u00e1p gi\u1eefa c\u00e1c qu\u1ed1c gia khi\u1ebfn vi\u1ec7c l\u1ef1a ch\u1ecdn <b data-path-to-node=\"4\" data-index-in-node=\"249\">c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf<\/b> ph\u00f9 h\u1ee3p tr\u1edf th\u00e0nh y\u1ebfu t\u1ed1 s\u1ed1ng c\u00f2n \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p.<a href=\"https:\/\/vtcpay.vn\/blog\/\"> VTC Pay Blog<\/a> s\u1ebd cung c\u1ea5p c\u00e1i nh\u00ecn bao qu\u00e1t nh\u1ea5t, gi\u00fap b\u1ea1n t\u1ed1i \u01b0u h\u00f3a d\u00f2ng ti\u1ec1n v\u00e0 gi\u1ea3m thi\u1ec3u r\u1ee7i ro giao d\u1ecbch ngay trong b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y!<\/p>\n<h2 data-path-to-node=\"6\"><span class=\"ez-toc-section\" id=\"1_Thanh_toan_quoc_te_la_gi\"><\/span><span style=\"color: #3366ff;\"><strong>1. Thanh to\u00e1n qu\u1ed1c t\u1ebf l\u00e0 g\u00ec?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"7\">Thanh to\u00e1n qu\u1ed1c t\u1ebf l\u00e0 qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh, chuy\u1ec3n kho\u1ea3n gi\u1eefa c\u00e1c t\u1ed5 ch\u1ee9c, doanh nghi\u1ec7p ho\u1eb7c c\u00e1 nh\u00e2n \u1edf c\u00e1c qu\u1ed1c gia kh\u00e1c nhau. M\u1ee5c \u0111\u00edch ch\u00ednh l\u00e0 \u0111\u1ec3 thanh to\u00e1n ti\u1ec1n h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5, c\u00e1c kho\u1ea3n n\u1ee3 ho\u1eb7c ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh ph\u00e1t sinh trong quan h\u1ec7 qu\u1ed1c t\u1ebf.<\/p>\n<p data-path-to-node=\"8\">Giao d\u1ecbch n\u00e0y kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 vi\u1ec7c chuy\u1ec3n ti\u1ec1n m\u00e0 c\u00f2n l\u00e0 m\u1ed9t quy tr\u00ecnh ph\u1ee9c t\u1ea1p, th\u01b0\u1eddng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n qua c\u00e1c ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i ho\u1eb7c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh trung gian, s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 b\u1ea3o m\u1eadt hi\u1ec7n \u0111\u1ea1i nh\u01b0 SWIFT ho\u1eb7c Blockchain \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u1ed1c \u0111\u1ed9 v\u00e0 an to\u00e0n.<\/p>\n<p data-path-to-node=\"8\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-39878\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/01\/cac-phuong-thuc-thanh-toan-quoc-te-01.webp\" alt=\"c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf\" width=\"650\" height=\"340\" \/><\/p>\n<h2 data-path-to-node=\"9\"><span class=\"ez-toc-section\" id=\"2_Dac_diem_cua_cac_phuong_thuc_thanh_toan_quoc_te\"><\/span><span style=\"color: #3366ff;\"><strong>2. \u0110\u1eb7c \u0111i\u1ec3m c\u1ee7a c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 data-path-to-node=\"10\"><span class=\"ez-toc-section\" id=\"21_Dac_diem_phap_ly_va_ky_thuat\"><\/span><strong>2.1. \u0110\u1eb7c \u0111i\u1ec3m ph\u00e1p l\u00fd v\u00e0 k\u1ef9 thu\u1eadt<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-path-to-node=\"11\">\n<li>\n<p data-path-to-node=\"11,0,0\">Ch\u1ecbu s\u1ef1 \u0111i\u1ec1u ch\u1ec9nh qu\u1ed1c t\u1ebf, c\u00e1c b\u00ean ph\u1ea3i tu\u00e2n th\u1ee7 lu\u1eadt ph\u00e1p qu\u1ed1c gia v\u00e0 c\u00e1c th\u00f4ng l\u1ec7 qu\u1ed1c t\u1ebf nh\u01b0 UCP 600 (v\u1ec1 t\u00edn d\u1ee5ng ch\u1ee9ng t\u1eeb), URC 522 (v\u1ec1 nh\u1edd thu) v\u00e0 INCOTERMS.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"11,1,0\">H\u1ec7 th\u1ed1ng ng\u00e2n h\u00e0ng l\u00e0 tr\u1ee5 c\u1ed9t. H\u1ea7u h\u1ebft kim ng\u1ea1ch th\u01b0\u01a1ng m\u1ea1i ch\u00ednh ng\u1ea1ch \u0111\u1ec1u b\u1eaft bu\u1ed9c th\u1ef1c hi\u1ec7n qua ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh minh b\u1ea1ch.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"11,2,0\">Thay v\u00ec ti\u1ec1n m\u1eb7t, c\u00e1c b\u00ean s\u1eed d\u1ee5ng h\u1ed1i phi\u1ebfu (Bill of Exchange), k\u1ef3 phi\u1ebfu, s\u00e9c v\u00e0 ngo\u1ea1i t\u1ec7 m\u1ea1nh.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"11,3,0\">Ng\u00f4n ng\u1eef Ti\u1ebfng Anh l\u00e0 ng\u00f4n ng\u1eef chu\u1ea9n h\u00f3a trong m\u1ecdi b\u1ed9 ch\u1ee9ng t\u1eeb.<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"12\"><span class=\"ez-toc-section\" id=\"22_Vai_tro_doi_voi_cac_chu_the\"><\/span><strong>2.2. Vai tr\u00f2 \u0111\u1ed1i v\u1edbi c\u00e1c ch\u1ee7 th\u1ec3<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-path-to-node=\"13\">\n<li>\n<p data-path-to-node=\"13,0,0\">V\u1edbi n\u1ec1n kinh t\u1ebf, \u0111\u00e2y l\u00e0 c\u1ea7u n\u1ed1i g\u1eafn k\u1ebft giao th\u01b0\u01a1ng, th\u00fac \u0111\u1ea9y h\u1ed9i nh\u1eadp v\u00e0 c\u1ee7ng c\u1ed1 v\u1ecb th\u1ebf qu\u1ed1c gia.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"13,1,0\">V\u1edbi doanh nghi\u1ec7p, c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf gi\u00fap \u0111\u1ea3m b\u1ea3o an to\u00e0n t\u00e0i ch\u00ednh, gi\u00fap ti\u1ebfp c\u1eadn th\u1ecb tr\u01b0\u1eddng to\u00e0n c\u1ea7u v\u00e0 qu\u1ea3n tr\u1ecb r\u1ee7i ro thanh to\u00e1n.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"13,2,0\">V\u1edbi ng\u00e2n h\u00e0ng, c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf mang l\u1ea1i ngu\u1ed3n thu t\u1eeb ph\u00ed d\u1ecbch v\u1ee5 v\u00e0 m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi kh\u00e1ch h\u00e0ng qu\u1ed1c t\u1ebf.<\/p>\n<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-39877\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/01\/cac-phuong-thuc-thanh-toan-quoc-te-02.webp\" alt=\"c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf\" width=\"650\" height=\"340\" \/><\/p>\n<h2 data-path-to-node=\"15\"><span class=\"ez-toc-section\" id=\"3_Cac_phuong_thuc_thanh_toan_quoc_te_pho_bien\"><\/span><span style=\"color: #3366ff;\"><strong>3. C\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf ph\u1ed5 bi\u1ebfn<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"16\">Hi\u1ec7n nay, t\u00f9y v\u00e0o m\u1ee9c \u0111\u1ed9 tin c\u1eady gi\u1eefa ng\u01b0\u1eddi mua v\u00e0 ng\u01b0\u1eddi b\u00e1n, c\u00e1c doanh nghi\u1ec7p th\u01b0\u1eddng l\u1ef1a ch\u1ecdn m\u1ed9t trong c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf sau:<\/p>\n<h3 data-path-to-node=\"17\"><span class=\"ez-toc-section\" id=\"31_Phuong_thuc_Chuyen_tien_Remittance\"><\/span><strong>3.1. Ph\u01b0\u01a1ng th\u1ee9c Chuy\u1ec3n ti\u1ec1n (Remittance)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"18\">\u0110\u00e2y l\u00e0 ph\u01b0\u01a1ng th\u1ee9c \u0111\u01a1n gi\u1ea3n nh\u1ea5t, trong \u0111\u00f3 nh\u00e0 nh\u1eadp kh\u1ea9u y\u00eau c\u1ea7u ng\u00e2n h\u00e0ng c\u1ee7a m\u00ecnh chuy\u1ec3n m\u1ed9t s\u1ed1 ti\u1ec1n nh\u1ea5t \u0111\u1ecbnh cho nh\u00e0 xu\u1ea5t kh\u1ea9u t\u1ea1i m\u1ed9t \u0111\u1ecba \u0111i\u1ec3m c\u1ee5 th\u1ec3.<\/p>\n<ul data-path-to-node=\"19\">\n<li>\n<p data-path-to-node=\"19,0,0\">C\u00e1c b\u00ean li\u00ean quan g\u1ed3m\u00a0Ng\u01b0\u1eddi chuy\u1ec3n ti\u1ec1n (Importer), Ng\u00e2n h\u00e0ng chuy\u1ec3n ti\u1ec1n, Ng\u00e2n h\u00e0ng \u0111\u1ea1i l\u00fd v\u00e0 Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng (Exporter).<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"19,1,0\"><strong>Hai h\u00ecnh th\u1ee9c ch\u00ednh:<\/strong><\/p>\n<ul data-path-to-node=\"19,1,1\">\n<li>\n<p data-path-to-node=\"19,1,1,0,0\">\u0110i\u1ec7n h\u1ed1i (Telegraphic Transfer &#8211; T\/T): S\u1eed d\u1ee5ng m\u1ea1ng SWIFT \u0111\u1ec3 ra l\u1ec7nh chuy\u1ec3n ti\u1ec1n. T\u1ed1c \u0111\u1ed9 c\u1ef1c nhanh nh\u01b0ng chi ph\u00ed cao.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"19,1,1,1,0\">Th\u01b0 h\u1ed1i (Mail Transfer &#8211; M\/T): Ng\u00e2n h\u00e0ng g\u1eedi l\u1ec7nh thanh to\u00e1n qua th\u01b0 b\u01b0u \u0111i\u1ec7n. Chi ph\u00ed r\u1ebb h\u01a1n nh\u01b0ng th\u1eddi gian ch\u1edd \u0111\u1ee3i l\u00e2u, hi\u1ec7n nay \u00edt d\u00f9ng h\u01a1n T\/T.<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"20\"><b data-path-to-node=\"20\" data-index-in-node=\"0\">Quy tr\u00ecnh nghi\u1ec7p v\u1ee5 chuy\u1ec3n ti\u1ec1n tr\u1ea3 sau (ph\u1ed5 bi\u1ebfn nh\u1ea5t):<\/b><\/p>\n<ul>\n<li data-path-to-node=\"21,0,0\">Nh\u00e0 xu\u1ea5t kh\u1ea9u giao h\u00e0ng v\u00e0 b\u1ed9 ch\u1ee9ng t\u1eeb cho nh\u00e0 nh\u1eadp kh\u1ea9u.<\/li>\n<li data-path-to-node=\"21,0,0\">\u0110\u1ebfn h\u1ea1n thanh to\u00e1n, nh\u00e0 nh\u1eadp kh\u1ea9u g\u1eedi l\u1ec7nh chuy\u1ec3n ti\u1ec1n k\u00e8m ch\u1ee9ng t\u1eeb (h\u1ee3p \u0111\u1ed3ng, t\u1edd khai h\u1ea3i quan&#8230;) cho ng\u00e2n h\u00e0ng.<\/li>\n<li data-path-to-node=\"21,0,0\">Ng\u00e2n h\u00e0ng ki\u1ec3m tra, tr\u00edch ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n ng\u01b0\u1eddi mua v\u00e0 ph\u00e1t l\u1ec7nh chuy\u1ec3n ti\u1ec1n cho ng\u00e2n h\u00e0ng \u0111\u1ea1i l\u00fd n\u01b0\u1edbc ngo\u00e0i.<\/li>\n<li data-path-to-node=\"21,0,0\">Ng\u00e2n h\u00e0ng \u0111\u1ea1i l\u00fd b\u00e1o c\u00f3 cho nh\u00e0 xu\u1ea5t kh\u1ea9u.<\/li>\n<\/ul>\n<h3 data-path-to-node=\"22\"><span class=\"ez-toc-section\" id=\"32_Phuong_thuc_Tin_dung_chung_tu_Letter_of_Credit_%E2%80%93_LC\"><\/span><strong>3.2. Ph\u01b0\u01a1ng th\u1ee9c T\u00edn d\u1ee5ng ch\u1ee9ng t\u1eeb (Letter of Credit &#8211; L\/C)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"23\">L\/C l\u00e0 ph\u01b0\u01a1ng th\u1ee9c \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 an to\u00e0n nh\u1ea5t cho c\u1ea3 hai b\u00ean trong c\u00e1c giao d\u1ecbch gi\u00e1 tr\u1ecb l\u1edbn.<\/p>\n<ul data-path-to-node=\"24\">\n<li>\n<p data-path-to-node=\"24,0,0\">Ng\u00e2n h\u00e0ng ph\u00e1t h\u00e0nh cam k\u1ebft b\u1eb1ng v\u0103n b\u1ea3n s\u1ebd thanh to\u00e1n cho nh\u00e0 xu\u1ea5t kh\u1ea9u n\u1ebfu h\u1ecd xu\u1ea5t tr\u00ecnh \u0111\u01b0\u1ee3c b\u1ed9 ch\u1ee9ng t\u1eeb ph\u00f9 h\u1ee3p ho\u00e0n to\u00e0n v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong th\u01b0 t\u00edn d\u1ee5ng.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"24,1,0\">L\/C l\u00e0 m\u1ed9t kh\u1ebf \u01b0\u1edbc \u0111\u1ed9c l\u1eadp v\u1edbi h\u1ee3p \u0111\u1ed3ng ngo\u1ea1i th\u01b0\u01a1ng. Ng\u00e2n h\u00e0ng ch\u1ec9 l\u00e0m vi\u1ec7c tr\u00ean ch\u1ee9ng t\u1eeb, kh\u00f4ng quan t\u00e2m \u0111\u1ebfn t\u00ecnh tr\u1ea1ng th\u1ef1c t\u1ebf c\u1ee7a h\u00e0ng h\u00f3a (theo UCP 600).<\/p>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"25\"><b data-path-to-node=\"25\" data-index-in-node=\"0\">C\u00e1c lo\u1ea1i L\/C ch\u00ednh:<\/b><\/p>\n<ul data-path-to-node=\"26\">\n<li>\n<p data-path-to-node=\"26,0,0\">L\/C c\u00f3 th\u1ec3 h\u1ee7y b\u1ecf, hi\u1ec7n nay r\u1ea5t \u00edt d\u00f9ng v\u00ec r\u1ee7i ro cao cho ng\u01b0\u1eddi b\u00e1n.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"26,1,0\">L\/C kh\u00f4ng th\u1ec3 h\u1ee7y b\u1ecf (Irrevocable L\/C) l\u00e0 lo\u1ea1i ph\u1ed5 bi\u1ebfn nh\u1ea5t, kh\u00f4ng th\u1ec3 s\u1eeda \u0111\u1ed5i ho\u1eb7c h\u1ee7y b\u1ecf n\u1ebfu kh\u00f4ng c\u00f3 s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c b\u00ean.<\/p>\n<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-39876\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/01\/cac-phuong-thuc-thanh-toan-quoc-te-03.webp\" alt=\"\" width=\"650\" height=\"340\" \/><\/p>\n<h3 data-path-to-node=\"27\"><span class=\"ez-toc-section\" id=\"33_Phuong_thuc_Nho_thu_Collection\"><\/span><strong>3.3. Ph\u01b0\u01a1ng th\u1ee9c Nh\u1edd thu (Collection)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"28\">Ng\u01b0\u1eddi b\u00e1n sau khi giao h\u00e0ng s\u1ebd k\u00fd ph\u00e1t h\u1ed1i phi\u1ebfu v\u00e0 nh\u1edd ng\u00e2n h\u00e0ng thu h\u1ed9 ti\u1ec1n t\u1eeb ng\u01b0\u1eddi mua.<\/p>\n<ul data-path-to-node=\"29\">\n<li>\n<p data-path-to-node=\"29,0,0\">Nh\u1edd thu phi\u1ebfu tr\u01a1n (Clean Collection) ch\u1ec9 g\u1eedi h\u1ed1i phi\u1ebfu, kh\u00f4ng k\u00e8m ch\u1ee9ng t\u1eeb h\u00e0ng h\u00f3a. R\u1ee7i ro c\u1ef1c l\u1edbn cho ng\u01b0\u1eddi b\u00e1n v\u00ec ng\u01b0\u1eddi mua c\u00f3 th\u1ec3 l\u1ea5y h\u00e0ng m\u00e0 kh\u00f4ng tr\u1ea3 ti\u1ec1n.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"29,1,0\">Nh\u1edd thu k\u00e8m ch\u1ee9ng t\u1eeb (Documentary Collection). Ng\u00e2n h\u00e0ng ch\u1ec9 giao b\u1ed9 ch\u1ee9ng t\u1eeb nh\u1eadn h\u00e0ng khi ng\u01b0\u1eddi mua tr\u1ea3 ti\u1ec1n (D\/P &#8211; Documents against Payment) ho\u1eb7c ch\u1ea5p nh\u1eadn tr\u1ea3 ti\u1ec1n (D\/A &#8211; Documents against Acceptance).<\/p>\n<\/li>\n<\/ul>\n<p data-path-to-node=\"30\"><b data-path-to-node=\"30\" data-index-in-node=\"0\">\u0110\u1eb7c \u0111i\u1ec3m c\u1ee7a H\u1ed1i phi\u1ebfu (Draft\/Bill of Exchange):<\/b><\/p>\n<p data-path-to-node=\"30\">H\u1ed1i phi\u1ebfu l\u00e0 m\u1ec7nh l\u1ec7nh tr\u1ea3 ti\u1ec1n v\u00f4 \u0111i\u1ec1u ki\u1ec7n, ph\u1ea3i \u0111\u01b0\u1ee3c l\u1eadp th\u00e0nh v\u0103n b\u1ea3n, ghi r\u00f5 s\u1ed1 ti\u1ec1n, th\u1eddi h\u1ea1n v\u00e0 ng\u01b0\u1eddi h\u01b0\u1edfng l\u1ee3i. N\u00f3 c\u00f3 t\u00ednh tr\u1eebu t\u01b0\u1ee3ng v\u00e0 t\u00ednh l\u01b0u th\u00f4ng (c\u00f3 th\u1ec3 chuy\u1ec3n nh\u01b0\u1ee3ng).<\/p>\n<h3 data-path-to-node=\"31\"><span class=\"ez-toc-section\" id=\"34_Phuong_thuc_Ghi_so_Open_Account\"><\/span><strong>3.4. Ph\u01b0\u01a1ng th\u1ee9c Ghi s\u1ed5 (Open Account)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"32\">Trong ph\u01b0\u01a1ng th\u1ee9c n\u00e0y, ng\u01b0\u1eddi xu\u1ea5t kh\u1ea9u giao h\u00e0ng v\u00e0 g\u1eedi h\u00f3a \u0111\u01a1n cho ng\u01b0\u1eddi mua, sau \u0111\u00f3 ghi n\u1ee3 v\u00e0o m\u1ed9t s\u1ed5 c\u00e1i. Ng\u01b0\u1eddi mua s\u1ebd thanh to\u00e1n v\u00e0o nh\u1eefng th\u1eddi \u0111i\u1ec3m \u0111\u1ecbnh k\u1ef3 \u0111\u00e3 th\u1ecfa thu\u1eadn.<\/p>\n<p data-path-to-node=\"33,0,0\">\u01af \u0111i\u1ec3m c\u1ee7a th\u1ee7 t\u1ee5c n\u00e0y l\u00e0 s\u1ef1 \u0111\u01a1n gi\u1ea3n, kh\u00f4ng m\u1ea5t ph\u00ed ng\u00e2n h\u00e0ng ph\u1ee9c t\u1ea1p. Ng\u01b0\u1eddi b\u00e1n ch\u1ecbu r\u1ee7i ro ho\u00e0n to\u00e0n n\u1ebfu ng\u01b0\u1eddi mua kh\u00f4ng thanh to\u00e1n. Ph\u01b0\u01a1ng th\u1ee9c n\u00e0y ch\u1ec9 n\u00ean \u00e1p d\u1ee5ng gi\u1eefa c\u00e1c \u0111\u1ed1i t\u00e1c tin c\u1eady l\u00e2u n\u0103m ho\u1eb7c trong n\u1ed9i b\u1ed9 t\u1eadp \u0111o\u00e0n.<\/p>\n<h3 data-path-to-node=\"34\"><span class=\"ez-toc-section\" id=\"35_Phuong_thuc_Giao_chung_tu_tra_tien_CAD_%E2%80%93_Cash_Against_Documents\"><\/span><strong>3.5. Ph\u01b0\u01a1ng th\u1ee9c Giao ch\u1ee9ng t\u1eeb tr\u1ea3 ti\u1ec1n (CAD &#8211; Cash Against Documents)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"35\">\u0110\u00e2y l\u00e0 h\u00ecnh th\u1ee9c m\u00e0 nh\u00e0 nh\u1eadp kh\u1ea9u k\u00fd qu\u1ef9 100% gi\u00e1 tr\u1ecb h\u1ee3p \u0111\u1ed3ng v\u00e0o m\u1ed9t t\u00e0i kho\u1ea3n t\u00edn th\u00e1c (Trust Account) t\u1ea1i ng\u00e2n h\u00e0ng tr\u01b0\u1edbc khi nh\u00e0 xu\u1ea5t kh\u1ea9u giao h\u00e0ng.<\/p>\n<p data-path-to-node=\"36,0,0\">Sau khi giao h\u00e0ng, nh\u00e0 xu\u1ea5t kh\u1ea9u tr\u00ecnh b\u1ed9 ch\u1ee9ng t\u1eeb cho ng\u00e2n h\u00e0ng. Ng\u00e2n h\u00e0ng ki\u1ec3m tra th\u1ea5y kh\u1edbp v\u1edbi b\u1ea3n ghi nh\u1edb (Memorandum) s\u1ebd thanh to\u00e1n ngay l\u1eadp t\u1ee9c.<\/p>\n<p data-path-to-node=\"36,1,0\">\u0110\u1ea3m b\u1ea3o cho nh\u00e0 xu\u1ea5t kh\u1ea9u nh\u1eadn ti\u1ec1n nhanh v\u00e0 ch\u1eafc ch\u1eafn, trong khi nh\u00e0 nh\u1eadp kh\u1ea9u y\u00ean t\u00e2m v\u00ec ti\u1ec1n ch\u1ec9 \u0111\u01b0\u1ee3c chuy\u1ec3n khi c\u00f3 ch\u1ee9ng t\u1eeb h\u1ee3p l\u1ec7.<\/p>\n<h2 data-path-to-node=\"38\"><span class=\"ez-toc-section\" id=\"4_So_sanh_cac_phuong_thuc_thanh_toan_quoc_te\"><\/span><span style=\"color: #3366ff;\"><strong>4. So s\u00e1nh c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"39\">\u0110\u1ec3 d\u1ec5 d\u00e0ng l\u1ef1a ch\u1ecdn, h\u00e3y tham kh\u1ea3o c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf \u0111\u01b0\u1ee3c so s\u00e1nh d\u01b0\u1edbi \u0111\u00e2y:<\/p>\n<table data-path-to-node=\"40\">\n<thead>\n<tr>\n<td><strong>Ph\u01b0\u01a1ng th\u1ee9c<\/strong><\/td>\n<td><strong>M\u1ee9c \u0111\u1ed9 an to\u00e0n<\/strong><\/td>\n<td><strong>Chi ph\u00ed<\/strong><\/td>\n<td><strong>\u0110\u1ed1i t\u01b0\u1ee3ng \u00e1p d\u1ee5ng<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"40,1,0,0\"><b data-path-to-node=\"40,1,0,0\" data-index-in-node=\"0\">Chuy\u1ec3n ti\u1ec1n (T\/T)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"40,1,1,0\">Trung b\u00ecnh<\/span><\/td>\n<td><span data-path-to-node=\"40,1,2,0\">Th\u1ea5p<\/span><\/td>\n<td><span data-path-to-node=\"40,1,3,0\">\u0110\u1ed1i t\u00e1c tin c\u1eady, gi\u00e1 tr\u1ecb nh\u1ecf<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"40,2,0,0\"><b data-path-to-node=\"40,2,0,0\" data-index-in-node=\"0\">T\u00edn d\u1ee5ng ch\u1ee9ng t\u1eeb (L\/C)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"40,2,1,0\">R\u1ea5t cao<\/span><\/td>\n<td><span data-path-to-node=\"40,2,2,0\">Cao<\/span><\/td>\n<td><span data-path-to-node=\"40,2,3,0\">\u0110\u1ed1i t\u00e1c m\u1edbi, gi\u00e1 tr\u1ecb l\u1edbn<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"40,3,0,0\"><b data-path-to-node=\"40,3,0,0\" data-index-in-node=\"0\">Nh\u1edd thu (Collection)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"40,3,1,0\">Trung b\u00ecnh<\/span><\/td>\n<td><span data-path-to-node=\"40,3,2,0\">Trung b\u00ecnh<\/span><\/td>\n<td><span data-path-to-node=\"40,3,3,0\">\u0110\u1ed1i t\u00e1c quen thu\u1ed9c<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"40,4,0,0\"><b data-path-to-node=\"40,4,0,0\" data-index-in-node=\"0\">Ghi s\u1ed5 (Open Account)<\/b><\/span><\/td>\n<td><span data-path-to-node=\"40,4,1,0\">Th\u1ea5p (v\u1edbi ng\u01b0\u1eddi b\u00e1n)<\/span><\/td>\n<td><span data-path-to-node=\"40,4,2,0\">R\u1ea5t th\u1ea5p<\/span><\/td>\n<td><span data-path-to-node=\"40,4,3,0\">N\u1ed9i b\u1ed9 c\u00f4ng ty, \u0111\u1ed1i t\u00e1c chi\u1ebfn l\u01b0\u1ee3c<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"40,5,0,0\"><b data-path-to-node=\"40,5,0,0\" data-index-in-node=\"0\">CAD<\/b><\/span><\/td>\n<td><span data-path-to-node=\"40,5,1,0\">Cao<\/span><\/td>\n<td><span data-path-to-node=\"40,5,2,0\">Trung b\u00ecnh<\/span><\/td>\n<td><span data-path-to-node=\"40,5,3,0\">H\u00e0ng h\u00f3a \u0111\u1eb7c th\u00f9, c\u1ea7n thanh to\u00e1n nhanh<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p data-path-to-node=\"0\">Doanh nghi\u1ec7p c\u00f3 th\u1ec3 t\u1ed1i \u01b0u h\u00f3a giao d\u1ecbch nh\u1edd <a href=\"https:\/\/doitac.vtcpay.vn\/\">c\u1ed5ng thanh to\u00e1n <b data-path-to-node=\"0\" data-index-in-node=\"114\">VTC Pay<\/b><\/a> \u2013 gi\u1ea3i ph\u00e1p h\u1ed7 tr\u1ee3 thanh to\u00e1n qu\u1ed1c t\u1ebf linh ho\u1ea1t qua th\u1ebb Visa, Mastercard, JCB v\u1edbi t\u00ednh b\u1ea3o m\u1eadt \u0111\u1ea1t chu\u1ea9n PCI DSS. <a href=\"https:\/\/doitac.vtcpay.vn\/\">VTC Pay<\/a> l\u00e0 l\u1ef1a ch\u1ecdn l\u00fd t\u01b0\u1edfng gi\u00fap r\u00fat ng\u1eafn th\u1eddi gian x\u1eed l\u00fd v\u00e0 \u0111\u01a1n gi\u1ea3n h\u00f3a th\u1ee7 t\u1ee5c cho c\u00e1c th\u01b0\u01a1ng v\u1ee5 v\u1eeba v\u00e0 nh\u1ecf.<\/p>\n<p data-path-to-node=\"1\"><b data-path-to-node=\"1\" data-index-in-node=\"0\">B\u1ea1n c\u00f3 mu\u1ed1n t\u00edch h\u1ee3p ngay c\u1ed5ng thanh to\u00e1n hi\u1ec7n \u0111\u1ea1i n\u00e0y v\u00e0o quy tr\u00ecnh kinh doanh c\u1ee7a m\u00ecnh kh\u00f4ng?<a href=\"https:\/\/doitac.vtcpay.vn\/\"> K\u1ebft n\u1ed1i v\u1edbi VTC Pay \u0111\u1ec3 nh\u1eadn t\u01b0 v\u1ea5n gi\u1ea3i ph\u00e1p t\u1ed1i \u01b0u nh\u1ea5t!<\/a><\/b><\/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<h2 data-path-to-node=\"41\"><span class=\"ez-toc-section\" id=\"5_Luu_y_khi_thuc_hien_cac_phuong_thuc_thanh_toan_quoc_te\"><\/span><span style=\"color: #3366ff;\"><strong>5. L\u01b0u \u00fd khi th\u1ef1c hi\u1ec7n c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"42\">Khi th\u1ef1c thi\u1ec7n c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf, \u0111\u1ec3 m\u1ed9t giao d\u1ecbch di\u1ec5n ra thu\u1eadn l\u1ee3i, c\u00e1c b\u00ean c\u1ea7n th\u1ed1ng nh\u1ea5t 4 \u0111i\u1ec1u ki\u1ec7n c\u1ed1t l\u00f5i:<\/p>\n<ul>\n<li data-path-to-node=\"43,0,0\">\u0110i\u1ec1u ki\u1ec7n ti\u1ec1n t\u1ec7, quy \u0111\u1ecbnh \u0111\u1ed3ng ti\u1ec1n thanh to\u00e1n (USD, EUR, CNY&#8230;) v\u00e0 ph\u01b0\u01a1ng \u00e1n x\u1eed l\u00fd khi t\u1ef7 gi\u00e1 bi\u1ebfn \u0111\u1ed9ng.<\/li>\n<li data-path-to-node=\"43,0,0\">\u0110i\u1ec1u ki\u1ec7n \u0111\u1ecba \u0111i\u1ec3m l\u00e0 n\u01a1i ti\u1ec1n \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ebfn (n\u01b0\u1edbc xu\u1ea5t kh\u1ea9u, nh\u1eadp kh\u1ea9u ho\u1eb7c n\u01b0\u1edbc th\u1ee9 ba).<\/li>\n<li data-path-to-node=\"43,0,0\">\u0110i\u1ec1u ki\u1ec7n th\u1eddi gian nh\u01b0 tr\u1ea3 ti\u1ec1n tr\u01b0\u1edbc (Advance), tr\u1ea3 ngay (At sight) ho\u1eb7c tr\u1ea3 ch\u1eadm (Deferred).<\/li>\n<li data-path-to-node=\"43,0,0\">\u0110i\u1ec1u ki\u1ec7n ph\u01b0\u01a1ng th\u1ee9c, l\u1ef1a ch\u1ecdn 1 trong 5 ph\u01b0\u01a1ng th\u1ee9c \u0111\u00e3 n\u00eau tr\u00ean d\u1ef1a tr\u00ean s\u1ef1 th\u1ecfa thu\u1eadn gi\u1eefa hai b\u00ean.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-39875\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/01\/cac-phuong-thuc-thanh-toan-quoc-te-04.webp\" alt=\"c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf\" width=\"650\" height=\"340\" \/><\/p>\n<h2 data-path-to-node=\"44\"><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span><strong><span style=\"color: #3366ff;\">K\u1ebft lu\u1eadn<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"45\">Vi\u1ec7c n\u1eafm v\u1eefng c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf kh\u00f4ng ch\u1ec9 gi\u00fap doanh nghi\u1ec7p b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i t\u00e0i ch\u00ednh m\u00e0 c\u00f2n th\u1ec3 hi\u1ec7n s\u1ef1 chuy\u00ean nghi\u1ec7p tr\u00ean tr\u01b0\u1eddng qu\u1ed1c t\u1ebf. Trong n\u0103m 2026, xu h\u01b0\u1edbng t\u00edch h\u1ee3p AI v\u00e0 Smart Contract (h\u1ee3p \u0111\u1ed3ng th\u00f4ng minh) \u0111ang d\u1ea7n thay \u0111\u1ed5i c\u00e1ch ch\u00fang ta thanh to\u00e1n, nh\u01b0ng c\u00e1c nguy\u00ean t\u1eafc c\u1ed1t l\u00f5i v\u1ec1 ch\u1ee9ng t\u1eeb v\u00e0 cam k\u1ebft ng\u00e2n h\u00e0ng v\u1eabn gi\u1eef vai tr\u00f2 n\u1ec1n t\u1ea3ng.<\/p>\n<p data-path-to-node=\"46\">Doanh nghi\u1ec7p n\u00ean c\u00e2n nh\u1eafc k\u1ef9 gi\u1eefa chi ph\u00ed v\u00e0 r\u1ee7i ro \u0111\u1ec3 ch\u1ecdn ra ph\u01b0\u01a1ng \u00e1n t\u1ed1i \u01b0u nh\u1ea5t cho m\u1ed7i th\u01b0\u01a1ng v\u1ee5 c\u1ee5 th\u1ec3.<\/p>\n<p data-path-to-node=\"46\"><strong>Xem th\u00eam:<\/strong><\/p>\n<p data-path-to-node=\"46\"><a href=\"https:\/\/vtcpay.vn\/blog\/tich-hop-thanh-toan-la-gi-huong-dan-tich-hop-thanh-toan-tu-a-z.html\">T\u00edch h\u1ee3p thanh to\u00e1n l\u00e0 g\u00ec? H\u01b0\u1edbng d\u1eabn t\u00edch h\u1ee3p thanh to\u00e1n t\u1eeb A-Z<\/a><\/p>\n<p data-path-to-node=\"46\"><a href=\"https:\/\/vtcpay.vn\/blog\/open-banking-la-gi-dieu-doanh-nghiep-can-biet.html\">Open Banking l\u00e0 g\u00ec? \u0110i\u1ec1u doanh nghi\u1ec7p c\u1ea7n bi\u1ebft v\u1ec1 Open Banking<\/a><\/p>\n<p data-path-to-node=\"46\"><a href=\"https:\/\/vtcpay.vn\/blog\/huong-dan-tuan-thu-pci-4-0-moi-nhat-2026.html\">H\u01b0\u1edbng d\u1eabn tu\u00e2n th\u1ee7 PCI 4.0 m\u1edbi nh\u1ea5t 2026<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ho\u1ea1t \u0111\u1ed9ng xu\u1ea5t nh\u1eadp kh\u1ea9u v\u00e0 giao th\u01b0\u01a1ng xuy\u00ean bi\u00ean gi\u1edbi \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ea1ch m\u00e1u c\u1ee7a n\u1ec1n kinh t\u1ebf. Tuy nhi\u00ean, r\u00e0o c\u1ea3n v\u1ec1 kho\u1ea3ng c\u00e1ch \u0111\u1ecba l\u00fd v\u00e0 s\u1ef1 kh\u00e1c bi\u1ec7t v\u1ec1 lu\u1eadt ph\u00e1p gi\u1eefa c\u00e1c qu\u1ed1c gia khi\u1ebfn vi\u1ec7c l\u1ef1a ch\u1ecdn c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf ph\u00f9 h\u1ee3p tr\u1edf th\u00e0nh [&hellip;]<\/p>\n","protected":false},"author":29,"featured_media":39879,"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>T\u1ed5ng h\u1ee3p c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf \u0111ang c\u00f3 hi\u1ec7n nay<\/title>\n<meta name=\"description\" content=\"C\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf ph\u1ed5 bi\u1ebfn nh\u1ea5t 2026. Ph\u00e2n t\u00edch gi\u00fap doanh nghi\u1ec7p t\u1ed1i \u01b0u giao th\u01b0\u01a1ng ngo\u1ea1i th\u01b0\u01a1ng hi\u1ec7u qu\u1ea3. Xem ngay!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vtcpay.vn\/blog\/tong-hop-cac-phuong-thuc-thanh-toan-quoc-te-dang-co-hien-nay.html\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"T\u1ed5ng h\u1ee3p c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf \u0111ang c\u00f3 hi\u1ec7n nay\" \/>\n<meta property=\"og:description\" content=\"C\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n qu\u1ed1c t\u1ebf ph\u1ed5 bi\u1ebfn nh\u1ea5t 2026. Ph\u00e2n t\u00edch gi\u00fap doanh nghi\u1ec7p t\u1ed1i \u01b0u giao th\u01b0\u01a1ng ngo\u1ea1i th\u01b0\u01a1ng hi\u1ec7u qu\u1ea3. 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