{"id":40742,"date":"2026-03-09T09:50:46","date_gmt":"2026-03-09T02:50:46","guid":{"rendered":"https:\/\/vtcpay.vn\/blog\/?p=40742"},"modified":"2026-03-09T09:50:46","modified_gmt":"2026-03-09T02:50:46","slug":"cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao","status":"publish","type":"post","link":"https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html","title":{"rendered":"C\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n m\u00e0 doanh nghi\u1ec7p SMEs n\u00ean tham kh\u1ea3o"},"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-69e68cbbee1fb\" 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-69e68cbbee1fb\" 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\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\/#1_Thanh_toan_la_gi_Ban_chat_cua_giao_dich_trong_kinh_te_so\" >1. Thanh to\u00e1n l\u00e0 g\u00ec? B\u1ea3n ch\u1ea5t c\u1ee7a giao d\u1ecbch trong kinh t\u1ebf s\u1ed1<\/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\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\/#2_Loi_ich_khi_da_dang_hoa_hinh_thuc_thanh_toan_doi_voi_SMEs\" >2. L\u1ee3i \u00edch khi \u0111a d\u1ea1ng h\u00f3a h\u00ecnh th\u1ee9c thanh to\u00e1n \u0111\u1ed1i v\u1edbi SMEs<\/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\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\/#3_Tong_hop_cac_hinh_thuc_thanh_toan_pho_bien_nhat_hien_nay\" >3. T\u1ed5ng h\u1ee3p c\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n ph\u1ed5 bi\u1ebfn nh\u1ea5t 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\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\/#31_Thanh_toan_tien_mat_Cash\" >3.1. Thanh to\u00e1n ti\u1ec1n m\u1eb7t (Cash)<\/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\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\/#32_Thanh_toan_bang_the_The_ATM_VisaMastercard\" >3.2. Thanh to\u00e1n b\u1eb1ng th\u1ebb (Th\u1ebb ATM, Visa\/Mastercard)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\/#33_Chuyen_khoan_ngan_hang_Bank_Transfer\" >3.3. Chuy\u1ec3n kho\u1ea3n ng\u00e2n h\u00e0ng (Bank Transfer)<\/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\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\/#34_Thanh_toan_qua_ma_QR_QR_Code\" >3.4. Thanh to\u00e1n qua m\u00e3 QR (QR Code)<\/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\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\/#35_Vi_dien_tu_E-wallet\" >3.5. V\u00ed \u0111i\u1ec7n t\u1eed (E-wallet)<\/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\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\/#36_Cong_nghe_NFC_Thanh_toan_khong_tiep_xuc\" >3.6. C\u00f4ng ngh\u1ec7 NFC (Thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac)<\/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\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\/#37_Thanh_toan_tra_sau_Tra_gop_BNPL\" >3.7. Thanh to\u00e1n tr\u1ea3 sau &amp; Tr\u1ea3 g\u00f3p (BNPL)<\/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\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\/#4_Bang_so_sanh_cac_hinh_thuc_thanh_toan_cho_doanh_nghiep\" >4. B\u1ea3ng so s\u00e1nh c\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n cho doanh nghi\u1ec7p<\/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\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\/#5_Giai_phap_thanh_toan_toan_dien_danh_rieng_cho_SMEs\" >5. Gi\u1ea3i ph\u00e1p thanh to\u00e1n to\u00e0n di\u1ec7n d\u00e0nh ri\u00eang cho SMEs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\/#51_Cong_thanh_toan_VTC_Pay\" >5.1. 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-14\" href=\"https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\/#52_Giai_phap_VTCPOS\" >5.2. Gi\u1ea3i ph\u00e1p VTCPOS<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\/#6_Nhung_luu_y_quan_trong_khi_trien_khai_he_thong_thanh_toan\" >6. Nh\u1eefng l\u01b0u \u00fd quan tr\u1ecdng khi tri\u1ec3n khai h\u1ec7 th\u1ed1ng thanh to\u00e1n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\/#Ket_luan\" >K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<p data-path-to-node=\"1\"><b data-path-to-node=\"1\" data-index-in-node=\"32\">H\u00ecnh th\u1ee9c thanh to\u00e1n<\/b> (ti\u1ebfng Anh: Payment) kh\u00f4ng c\u00f2n b\u00f3 h\u1eb9p trong vi\u1ec7c trao \u0111\u1ed5i ti\u1ec1n m\u1eb7t tr\u1ef1c ti\u1ebfp. \u0110\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf (SMEs), vi\u1ec7c th\u1ea5u hi\u1ec3u v\u00e0 \u00e1p d\u1ee5ng \u0111a d\u1ea1ng c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n kh\u00f4ng ch\u1ec9 l\u00e0 c\u00e1ch \u0111\u1ec3 t\u1ed1i \u01b0u quy tr\u00ecnh v\u1eadn h\u00e0nh m\u00e0 c\u00f2n l\u00e0 y\u1ebfu t\u1ed1 s\u1ed1ng c\u00f2n \u0111\u1ec3 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng v\u00e0 th\u00fac \u0111\u1ea9y doanh thu.<\/p>\n<h2 data-path-to-node=\"3\"><span class=\"ez-toc-section\" id=\"1_Thanh_toan_la_gi_Ban_chat_cua_giao_dich_trong_kinh_te_so\"><\/span><strong><span style=\"color: #0000ff;\">1. Thanh to\u00e1n l\u00e0 g\u00ec? B\u1ea3n ch\u1ea5t c\u1ee7a giao d\u1ecbch trong kinh t\u1ebf s\u1ed1<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"4\">Thanh to\u00e1n l\u00e0 qu\u00e1 tr\u00ecnh trao \u0111\u1ed5i gi\u00e1 tr\u1ecb, th\u01b0\u1eddng l\u00e0 b\u1eb1ng ti\u1ec1n, \u0111\u1ec3 nh\u1eadn l\u1ea1i h\u00e0ng h\u00f3a ho\u1eb7c d\u1ecbch v\u1ee5. \u0110\u00e2y l\u00e0 m\u1eaft x\u00edch cu\u1ed1i c\u00f9ng v\u00e0 quan tr\u1ecdng nh\u1ea5t \u0111\u1ec3 ho\u00e0n th\u00e0nh m\u1ed9t giao d\u1ecbch th\u01b0\u01a1ng m\u1ea1i.<\/p>\n<p data-path-to-node=\"5\">\u0110\u1ed1i v\u1edbi doanh nghi\u1ec7p, thanh to\u00e1n kh\u00f4ng \u0111\u01a1n thu\u1ea7n l\u00e0 vi\u1ec7c nh\u1eadn ti\u1ec1n. \u0110\u00f3 l\u00e0 s\u1ef1 x\u00e1c nh\u1eadn v\u1ec1 gi\u00e1 tr\u1ecb d\u1ecbch v\u1ee5 cung c\u1ea5p v\u00e0 l\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u1ed1t l\u00f5i \u0111\u1ec3 d\u00f2ng v\u1ed1n \u0111\u01b0\u1ee3c l\u01b0u th\u00f4ng. Trong s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh (Fintech), thanh to\u00e1n c\u00f3 th\u1ec3 di\u1ec5n ra ngay l\u1eadp t\u1ee9c (real-time) ho\u1eb7c tr\u00ec ho\u00e3n (tr\u1ea3 g\u00f3p, th\u1ebb t\u00edn d\u1ee5ng), t\u1ea1o ra s\u1ef1 linh ho\u1ea1t t\u1ed1i \u0111a cho c\u1ea3 ng\u01b0\u1eddi mua v\u00e0 ng\u01b0\u1eddi b\u00e1n.<\/p>\n<p data-path-to-node=\"5\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-40745\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/03\/hinh-thuc-thanh-toan.webp\" alt=\"h\u00ecnh th\u1ee9c thanh to\u00e1n\" width=\"650\" height=\"277\" \/><\/p>\n<h2 data-path-to-node=\"6\"><span class=\"ez-toc-section\" id=\"2_Loi_ich_khi_da_dang_hoa_hinh_thuc_thanh_toan_doi_voi_SMEs\"><\/span><strong><span style=\"color: #0000ff;\">2. L\u1ee3i \u00edch khi \u0111a d\u1ea1ng h\u00f3a h\u00ecnh th\u1ee9c thanh to\u00e1n \u0111\u1ed1i v\u1edbi SMEs<\/span><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"7\">C\u00e1c doanh nghi\u1ec7p SMEs th\u01b0\u1eddng \u0111\u1ed1i m\u1eb7t v\u1edbi th\u00e1ch th\u1ee9c v\u1ec1 t\u1ed1i \u01b0u chi ph\u00ed v\u00e0 ngu\u1ed3n l\u1ef1c. Vi\u1ec7c \u00e1p d\u1ee5ng c\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n hi\u1ec7n \u0111\u1ea1i mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch thi\u1ebft th\u1ef1c:<\/p>\n<ul data-path-to-node=\"8\">\n<li>\n<p data-path-to-node=\"8,0,0\">C\u1ea7u n\u1ed1i giao th\u01b0\u01a1ng gi\u00fap k\u1ebft n\u1ed1i ng\u01b0\u1eddi mua v\u00e0 ng\u01b0\u1eddi b\u00e1n xuy\u00ean bi\u00ean gi\u1edbi, x\u00f3a b\u1ecf r\u00e0o c\u1ea3n \u0111\u1ecba l\u00fd.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"8,1,0\">C\u00e1c ph\u01b0\u01a1ng th\u1ee9c \u0111i\u1ec7n t\u1eed cung c\u1ea5p b\u00e1o c\u00e1o giao d\u1ecbch chi ti\u1ebft, gi\u00fap doanh nghi\u1ec7p d\u1ec5 d\u00e0ng theo d\u00f5i d\u00f2ng ti\u1ec1n, doanh thu theo th\u1eddi gian th\u1ef1c m\u00e0 kh\u00f4ng c\u1ea7n ghi ch\u00e9p th\u1ee7 c\u00f4ng.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"8,2,0\">Khi kh\u00e1ch h\u00e0ng c\u00f3 nhi\u1ec1u l\u1ef1a ch\u1ecdn thanh to\u00e1n ti\u1ec7n l\u1ee3i v\u00e0 an to\u00e0n, h\u1ecd c\u00f3 xu h\u01b0\u1edbng chi ti\u00eau nhi\u1ec1u h\u01a1n v\u00e0 t\u1ec9 l\u1ec7 ch\u1ed1t \u0111\u01a1n (conversion rate) s\u1ebd cao h\u01a1n.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"8,3,0\">H\u1ea1n ch\u1ebf vi\u1ec7c l\u01b0u tr\u1eef ti\u1ec1n m\u1eb7t t\u1ea1i c\u1eeda h\u00e0ng, gi\u1ea3m nguy c\u01a1 m\u1ea5t m\u00e1t ho\u1eb7c nh\u1ea7m l\u1eabn trong qu\u00e1 tr\u00ecnh ki\u1ec3m \u0111\u1ebfm.<\/p>\n<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-40744\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/03\/hinh-thuc-thanh-toan-01.webp\" alt=\"h\u00ecnh th\u1ee9c thanh to\u00e1n\" width=\"650\" height=\"366\" \/><\/p>\n<h2 data-path-to-node=\"10\"><span class=\"ez-toc-section\" id=\"3_Tong_hop_cac_hinh_thuc_thanh_toan_pho_bien_nhat_hien_nay\"><\/span><span style=\"color: #0000ff;\"><strong>3. T\u1ed5ng h\u1ee3p c\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n ph\u1ed5 bi\u1ebfn nh\u1ea5t hi\u1ec7n nay<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"11\">D\u01b0\u1edbi \u0111\u00e2y l\u00e0 chi ti\u1ebft c\u00e1c ph\u01b0\u01a1ng th\u1ee9c m\u00e0 doanh nghi\u1ec7p n\u00ean t\u00edch h\u1ee3p \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u \u0111a d\u1ea1ng c\u1ee7a th\u1ecb tr\u01b0\u1eddng:<\/p>\n<h3 data-path-to-node=\"12\"><span class=\"ez-toc-section\" id=\"31_Thanh_toan_tien_mat_Cash\"><\/span><strong>3.1. Thanh to\u00e1n ti\u1ec1n m\u1eb7t (Cash)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"13\">D\u00f9 c\u00e1c ph\u01b0\u01a1ng th\u1ee9c s\u1ed1 \u0111ang l\u00ean ng\u00f4i, ti\u1ec1n m\u1eb7t v\u1eabn l\u00e0 h\u00ecnh th\u1ee9c thanh to\u00e1n truy\u1ec1n th\u1ed1ng chi\u1ebfm t\u1ec9 tr\u1ecdng nh\u1ea5t \u0111\u1ecbnh t\u1ea1i Vi\u1ec7t Nam, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong c\u00e1c giao d\u1ecbch nh\u1ecf l\u1ebb ho\u1eb7c t\u1ea1i c\u00e1c khu v\u1ef1c n\u00f4ng th\u00f4n.<\/p>\n<ul data-path-to-node=\"14\">\n<li>\n<p data-path-to-node=\"14,0,0\">\u01afu \u0111i\u1ec3m: T\u1ee9c th\u1eddi, \u0111\u01a1n gi\u1ea3n, kh\u00f4ng c\u1ea7n thi\u1ebft b\u1ecb c\u00f4ng ngh\u1ec7.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"14,1,0\">Nh\u01b0\u1ee3c \u0111i\u1ec3m: Kh\u00f3 qu\u1ea3n l\u00fd t\u1eeb xa, thi\u1ebfu an to\u00e0n khi v\u1eadn chuy\u1ec3n s\u1ed1 l\u01b0\u1ee3ng l\u1edbn.<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"15\"><span class=\"ez-toc-section\" id=\"32_Thanh_toan_bang_the_The_ATM_VisaMastercard\"><\/span><strong>3.2. Thanh to\u00e1n b\u1eb1ng th\u1ebb (Th\u1ebb ATM, Visa\/Mastercard)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"16\">S\u1eed d\u1ee5ng th\u1ebb ghi n\u1ee3 (Debit card) ho\u1eb7c th\u1ebb t\u00edn d\u1ee5ng (Credit card) l\u00e0 ti\u00eau chu\u1ea9n c\u1ee7a mua s\u1eafm hi\u1ec7n \u0111\u1ea1i. V\u1edbi doanh nghi\u1ec7p, vi\u1ec7c trang b\u1ecb m\u00e1y POS ho\u1eb7c c\u1ed5ng thanh to\u00e1n tr\u1ef1c tuy\u1ebfn l\u00e0 b\u1eaft bu\u1ed9c \u0111\u1ec3 ch\u1ea5p nh\u1eadn lo\u1ea1i h\u00ecnh n\u00e0y.<\/p>\n<p data-path-to-node=\"17,0,0\">Th\u1ebb t\u00edn d\u1ee5ng cho ph\u00e9p kh\u00e1ch h\u00e0ng &#8220;chi ti\u00eau tr\u01b0\u1edbc, tr\u1ea3 ti\u1ec1n sau&#8221;, k\u00edch c\u1ea7u mua s\u1eafm m\u1ea1nh m\u1ebd nh\u1edd c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh tr\u1ea3 g\u00f3p 0%.<\/p>\n<h3 data-path-to-node=\"18\"><span class=\"ez-toc-section\" id=\"33_Chuyen_khoan_ngan_hang_Bank_Transfer\"><\/span><strong>3.3. Chuy\u1ec3n kho\u1ea3n ng\u00e2n h\u00e0ng (Bank Transfer)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"19\">\u0110\u00e2y l\u00e0 ph\u01b0\u01a1ng th\u1ee9c ch\u1ee7 l\u1ef1c cho c\u00e1c giao d\u1ecbch B2B (doanh nghi\u1ec7p v\u1edbi doanh nghi\u1ec7p) ho\u1eb7c c\u00e1c \u0111\u01a1n h\u00e0ng c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn. S\u1ef1 ra \u0111\u1eddi c\u1ee7a Napas 24\/7 gi\u00fap vi\u1ec7c chuy\u1ec3n kho\u1ea3n di\u1ec5n ra t\u1ee9c th\u00ec b\u1ea5t k\u1ec3 ng\u00e0y ngh\u1ec9.<\/p>\n<h3 data-path-to-node=\"20\"><span class=\"ez-toc-section\" id=\"34_Thanh_toan_qua_ma_QR_QR_Code\"><\/span><strong>3.4. Thanh to\u00e1n qua m\u00e3 QR (QR Code)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"21\">Qu\u00e9t m\u00e3 QR \u0111ang l\u00e0 &#8220;ng\u00f4i sao&#8221; t\u1ea1i th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam nh\u1edd t\u00ednh nhanh ch\u00f3ng. Ng\u01b0\u1eddi d\u00f9ng ch\u1ec9 c\u1ea7n m\u1edf \u1ee9ng d\u1ee5ng Mobile Banking ho\u1eb7c v\u00ed \u0111i\u1ec7n t\u1eed \u0111\u1ec3 qu\u00e9t m\u00e3 t\u1ea1i qu\u1ea7y thu ng\u00e2n.<\/p>\n<p data-path-to-node=\"22,0,0\">QR \u0111\u1ed9ng ch\u1ee9a s\u1eb5n th\u00f4ng tin s\u1ed1 ti\u1ec1n v\u00e0 n\u1ed9i dung, gi\u00fap thu ng\u00e2n kh\u00f4ng c\u1ea7n ki\u1ec3m tra th\u1ee7 c\u00f4ng, tr\u00e1nh sai s\u00f3t tuy\u1ec7t \u0111\u1ed1i.<\/p>\n<h3 data-path-to-node=\"23\"><span class=\"ez-toc-section\" id=\"35_Vi_dien_tu_E-wallet\"><\/span><strong>3.5. V\u00ed \u0111i\u1ec7n t\u1eed (E-wallet)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"24\">C\u00e1c \u0111\u1ea1i di\u1ec7n nh\u01b0 <a href=\"https:\/\/vtcpay.vn\/\">VTC Pay<\/a> mang l\u1ea1i h\u1ec7 sinh th\u00e1i khuy\u1ebfn m\u00e3i \u0111\u1ed3 s\u1ed9. T\u00edch h\u1ee3p v\u00ed \u0111i\u1ec7n t\u1eed gi\u00fap SMEs ti\u1ebfp c\u1eadn \u0111\u01b0\u1ee3c t\u1ec7p kh\u00e1ch h\u00e0ng tr\u1ebb, \u01b0a chu\u1ed9ng c\u00f4ng ngh\u1ec7.<\/p>\n<h3 data-path-to-node=\"25\"><span class=\"ez-toc-section\" id=\"36_Cong_nghe_NFC_Thanh_toan_khong_tiep_xuc\"><\/span><strong>3.6. C\u00f4ng ngh\u1ec7 NFC (Thanh to\u00e1n kh\u00f4ng ti\u1ebfp x\u00fac)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"26\">NFC (Near Field Communication) cho ph\u00e9p thanh to\u00e1n b\u1eb1ng c\u00e1ch ch\u1ea1m nh\u1eb9 \u0111i\u1ec7n tho\u1ea1i (Apple Pay, Samsung Pay) ho\u1eb7c th\u1ebb chip v\u00e0o thi\u1ebft b\u1ecb \u0111\u1ecdc. \u0110\u00e2y l\u00e0 xu h\u01b0\u1edbng thanh to\u00e1n nhanh nh\u1ea5t hi\u1ec7n nay, c\u1ef1c k\u1ef3 b\u1ea3o m\u1eadt v\u00ec kh\u00f4ng c\u1ea7n cung c\u1ea5p th\u00f4ng tin th\u1ebb v\u1eadt l\u00fd.<\/p>\n<p data-path-to-node=\"26\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-40746\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/03\/hinh-thuc-thanh-toan-02.webp\" alt=\"h\u00ecnh th\u1ee9c thanh to\u00e1n\" width=\"650\" height=\"366\" \/><\/p>\n<h3 data-path-to-node=\"27\"><span class=\"ez-toc-section\" id=\"37_Thanh_toan_tra_sau_Tra_gop_BNPL\"><\/span><strong>3.7. Thanh to\u00e1n tr\u1ea3 sau &amp; Tr\u1ea3 g\u00f3p (BNPL)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"28\">&#8220;Mua tr\u01b0\u1edbc tr\u1ea3 sau&#8221; (Buy Now Pay Later) th\u00f4ng qua c\u00e1c \u0111\u1ed1i t\u00e1c nh\u01b0 Home Credit, FE Credit ho\u1eb7c c\u00e1c \u1ee9ng d\u1ee5ng Fintech gi\u00fap kh\u00e1ch h\u00e0ng gi\u1ea3m b\u1edbt \u00e1p l\u1ef1c t\u00e0i ch\u00ednh, t\u1eeb \u0111\u00f3 gi\u00fap doanh nghi\u1ec7p b\u00e1n \u0111\u01b0\u1ee3c nh\u1eefng m\u1eb7t h\u00e0ng gi\u00e1 tr\u1ecb cao d\u1ec5 d\u00e0ng h\u01a1n.<\/p>\n<h2 data-path-to-node=\"30\"><span class=\"ez-toc-section\" id=\"4_Bang_so_sanh_cac_hinh_thuc_thanh_toan_cho_doanh_nghiep\"><\/span><span style=\"color: #0000ff;\"><strong>4. B\u1ea3ng so s\u00e1nh c\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n cho doanh nghi\u1ec7p<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table data-path-to-node=\"31\">\n<thead>\n<tr>\n<td><strong>H\u00ecnh th\u1ee9c thanh to\u00e1n<\/strong><\/td>\n<td><strong>T\u1ed1c \u0111\u1ed9 x\u1eed l\u00fd<\/strong><\/td>\n<td><strong>T\u00ednh an to\u00e0n<\/strong><\/td>\n<td><strong>Chi ph\u00ed v\u1eadn h\u00e0nh<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span data-path-to-node=\"31,1,0,0\"><b data-path-to-node=\"31,1,0,0\" data-index-in-node=\"0\">Ti\u1ec1n m\u1eb7t<\/b><\/span><\/td>\n<td><span data-path-to-node=\"31,1,1,0\">T\u1ee9c th\u00ec<\/span><\/td>\n<td><span data-path-to-node=\"31,1,2,0\">Th\u1ea5p<\/span><\/td>\n<td><span data-path-to-node=\"31,1,3,0\">Th\u1ea5p (R\u1ee7i ro m\u1ea5t m\u00e1t)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"31,2,0,0\"><b data-path-to-node=\"31,2,0,0\" data-index-in-node=\"0\">Th\u1ebb ng\u00e2n h\u00e0ng<\/b><\/span><\/td>\n<td><span data-path-to-node=\"31,2,1,0\">Nhanh<\/span><\/td>\n<td><span data-path-to-node=\"31,2,2,0\">Cao<\/span><\/td>\n<td><span data-path-to-node=\"31,2,3,0\">Trung b\u00ecnh (Ph\u00ed m\u00e1y POS)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"31,3,0,0\"><b data-path-to-node=\"31,3,0,0\" data-index-in-node=\"0\">Chuy\u1ec3n kho\u1ea3n<\/b><\/span><\/td>\n<td><span data-path-to-node=\"31,3,1,0\">Trung b\u00ecnh<\/span><\/td>\n<td><span data-path-to-node=\"31,3,2,0\">Cao<\/span><\/td>\n<td><span data-path-to-node=\"31,3,3,0\">Th\u1ea5p<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"31,4,0,0\"><b data-path-to-node=\"31,4,0,0\" data-index-in-node=\"0\">Qu\u00e9t m\u00e3 QR<\/b><\/span><\/td>\n<td><span data-path-to-node=\"31,4,1,0\">R\u1ea5t nhanh<\/span><\/td>\n<td><span data-path-to-node=\"31,4,2,0\">R\u1ea5t cao<\/span><\/td>\n<td><span data-path-to-node=\"31,4,3,0\">Th\u1ea5p\/Trung b\u00ecnh<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"31,5,0,0\"><b data-path-to-node=\"31,5,0,0\" data-index-in-node=\"0\">V\u00ed \u0111i\u1ec7n t\u1eed<\/b><\/span><\/td>\n<td><span data-path-to-node=\"31,5,1,0\">T\u1ee9c th\u00ec<\/span><\/td>\n<td><span data-path-to-node=\"31,5,2,0\">Cao<\/span><\/td>\n<td><span data-path-to-node=\"31,5,3,0\">Trung b\u00ecnh (Ph\u00ed chi\u1ebft kh\u1ea5u)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span data-path-to-node=\"31,6,0,0\"><b data-path-to-node=\"31,6,0,0\" data-index-in-node=\"0\">Thanh to\u00e1n tr\u1ea3 sau<\/b><\/span><\/td>\n<td><span data-path-to-node=\"31,6,1,0\">Nhanh<\/span><\/td>\n<td><span data-path-to-node=\"31,6,2,0\">Cao<\/span><\/td>\n<td><span data-path-to-node=\"31,6,3,0\">Trung b\u00ecnh (Ph\u00ed \u0111\u1ed1i t\u00e1c)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 data-path-to-node=\"33\"><span class=\"ez-toc-section\" id=\"5_Giai_phap_thanh_toan_toan_dien_danh_rieng_cho_SMEs\"><\/span><span style=\"color: #0000ff;\"><strong>5. Gi\u1ea3i ph\u00e1p thanh to\u00e1n to\u00e0n di\u1ec7n d\u00e0nh ri\u00eang cho SMEs<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"34\">\u0110\u1ec3 t\u1ed1i \u01b0u h\u00f3a, c\u00e1c doanh nghi\u1ec7p SMEs kh\u00f4ng n\u00ean \u0111\u0103ng k\u00fd \u0111\u01a1n l\u1ebb t\u1eebng h\u00ecnh th\u1ee9c v\u00ec s\u1ebd r\u1ea5t kh\u00f3 qu\u1ea3n l\u00fd \u0111\u1ed1i so\u00e1t. Thay v\u00e0o \u0111\u00f3, vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c <b data-path-to-node=\"34\" data-index-in-node=\"139\">C\u1ed5ng thanh to\u00e1n (Payment Gateway)<\/b> ho\u1eb7c gi\u1ea3i ph\u00e1p <b data-path-to-node=\"34\" data-index-in-node=\"188\">SmartPOS<\/b> l\u00e0 l\u1ef1a ch\u1ecdn th\u00f4ng minh h\u01a1n.<\/p>\n<h3 data-path-to-node=\"35\"><span class=\"ez-toc-section\" id=\"51_Cong_thanh_toan_VTC_Pay\"><\/span><strong>5.1. C\u1ed5ng thanh to\u00e1n VTC Pay<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-path-to-node=\"35\"><span style=\"color: #222222; font-family: Verdana, Geneva, sans-serif; font-size: 15px;\">C\u1ed5ng thanh to\u00e1n \u0111\u00f3ng vai tr\u00f2 l\u00e0 &#8220;\u0111i\u1ec3m trung chuy\u1ec3n&#8221; an to\u00e0n gi\u1eefa ng\u01b0\u1eddi mua, doanh nghi\u1ec7p v\u00e0 ng\u00e2n h\u00e0ng.\u00a0<\/span><\/p>\n<p data-path-to-node=\"35\"><a href=\"https:\/\/doitac.vtcpay.vn\/\">C\u1ed5ng thanh to\u00e1n VTC Pay<\/a> l\u00e0 gi\u1ea3i ph\u00e1p thanh to\u00e1n \u0111i\u1ec7n t\u1eed uy t\u00edn t\u1ea1i Vi\u1ec7t Nam, h\u1ed7 tr\u1ee3 doanh nghi\u1ec7p k\u1ebft n\u1ed1i h\u01a1n 40 ng\u00e2n h\u00e0ng n\u1ed9i \u0111\u1ecba v\u00e0 c\u00e1c th\u1ebb qu\u1ed1c t\u1ebf (Visa\/Mastercard). V\u1edbi t\u00ednh n\u0103ng thanh to\u00e1n qua m\u00e3 QR v\u00e0 v\u00ed \u0111i\u1ec7n t\u1eed, <a href=\"https:\/\/doitac.vtcpay.vn\/\">VTC Pay<\/a> gi\u00fap t\u1ed1i \u01b0u h\u00f3a quy tr\u00ecnh giao d\u1ecbch, \u0111\u1ea3m b\u1ea3o an to\u00e0n b\u1ea3o m\u1eadt v\u00e0 n\u00e2ng cao t\u1ef7 l\u1ec7 chuy\u1ec3n \u0111\u1ed5i cho c\u00e1c n\u1ec1n t\u1ea3ng th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed.<\/p>\n<p data-path-to-node=\"35\"><a href=\"https:\/\/doitac.vtcpay.vn\/\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-40446\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/02\/dich-vu-trung-gian-thanh-toan-la-gi-3.webp\" alt=\"\" width=\"650\" height=\"366\" \/><\/a><\/p>\n<h3 data-path-to-node=\"38\"><span class=\"ez-toc-section\" id=\"52_Giai_phap_VTCPOS\"><\/span><strong>5.2. Gi\u1ea3i ph\u00e1p VTCPOS<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"container\">\n<div id=\"model-response-message-contentr_2c5bad139cf51371\" class=\"markdown markdown-main-panel stronger enable-updated-hr-color\" dir=\"ltr\" aria-live=\"polite\" aria-busy=\"false\">\n<p data-path-to-node=\"0\">VTCPOS l\u00e0 gi\u1ea3i ph\u00e1p thanh to\u00e1n hi\u1ec7n \u0111\u1ea1i gi\u00fap bi\u1ebfn \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh th\u00e0nh m\u00e1y qu\u1eb9t th\u1ebb di \u0111\u1ed9ng, h\u1ed7 tr\u1ee3 \u0111\u1ea7y \u0111\u1ee7 c\u00e1c h\u00ecnh th\u1ee9c t\u1eeb ch\u1ea1m th\u1ebb chip (NFC) \u0111\u1ebfn qu\u00e9t m\u00e3 QR.<\/p>\n<p data-path-to-node=\"0\">\u0110\u00e2y l\u00e0 c\u00f4ng c\u1ee5 \u0111\u1eafc l\u1ef1c gi\u00fap c\u00e1c SMEs t\u1ed1i \u01b0u chi ph\u00ed \u0111\u1ea7u t\u01b0 thi\u1ebft b\u1ecb, qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n linh ho\u1ea1t v\u00e0 mang l\u1ea1i tr\u1ea3i nghi\u1ec7m thanh to\u00e1n kh\u00f4ng ch\u1ea1m nhanh ch\u00f3ng cho kh\u00e1ch h\u00e0ng.<\/p>\n<\/div>\n<\/div>\n<h2 data-path-to-node=\"46\"><span class=\"ez-toc-section\" id=\"6_Nhung_luu_y_quan_trong_khi_trien_khai_he_thong_thanh_toan\"><\/span><span style=\"color: #0000ff;\"><strong>6. Nh\u1eefng l\u01b0u \u00fd quan tr\u1ecdng khi tri\u1ec3n khai h\u1ec7 th\u1ed1ng thanh to\u00e1n<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"47\">\u0110\u1ec3 l\u1ef1a ch\u1ecdn v\u00e0 v\u1eadn h\u00e0nh c\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n hi\u1ec7u qu\u1ea3, doanh nghi\u1ec7p c\u1ea7n l\u01b0u \u00fd:<\/p>\n<ul>\n<li data-path-to-node=\"48,0,0\">Lu\u00f4n \u01b0u ti\u00ean c\u00e1c \u0111\u1ed1i t\u00e1c \u0111\u1ea1t ch\u1ee9ng ch\u1ec9 b\u1ea3o m\u1eadt qu\u1ed1c t\u1ebf (nh\u01b0 PCI DSS) \u0111\u1ec3 b\u1ea3o v\u1ec7 th\u00f4ng tin t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng.<\/li>\n<li data-path-to-node=\"48,0,0\">M\u1ed7i h\u00ecnh th\u1ee9c thanh to\u00e1n s\u1ed1 th\u01b0\u1eddng \u0111i k\u00e8m m\u1ed9t kho\u1ea3n ph\u00ed nh\u1ecf tr\u00ean m\u1ed7i giao d\u1ecbch. Doanh nghi\u1ec7p c\u1ea7n c\u00e2n \u0111\u1ed1i ph\u00ed n\u00e0y v\u00e0o gi\u00e1 th\u00e0nh ho\u1eb7c chi\u1ebfn l\u01b0\u1ee3c chi\u1ebft kh\u1ea5u.<\/li>\n<li data-path-to-node=\"48,0,0\">Quy tr\u00ecnh thanh to\u00e1n c\u00e0ng \u00edt b\u01b0\u1edbc, kh\u00e1ch h\u00e0ng c\u00e0ng h\u00e0i l\u00f2ng. H\u00e3y \u01b0u ti\u00ean c\u00e1c ph\u01b0\u01a1ng th\u1ee9c kh\u00f4ng y\u00eau c\u1ea7u nh\u1eadp li\u1ec7u qu\u00e1 nhi\u1ec1u th\u00f4ng tin.<\/li>\n<li data-path-to-node=\"48,0,0\">H\u1ec7 th\u1ed1ng ph\u1ea3i cung c\u1ea5p h\u00f3a \u0111\u01a1n \u0111i\u1ec7n t\u1eed v\u00e0 l\u1ecbch s\u1eed giao d\u1ecbch r\u00f5 r\u00e0ng \u0111\u1ec3 ph\u1ee5c v\u1ee5 c\u00f4ng t\u00e1c k\u1ebf to\u00e1n v\u00e0 gi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i (n\u1ebfu c\u00f3).<\/li>\n<\/ul>\n<h2 data-path-to-node=\"49\"><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span><span style=\"color: #0000ff;\"><strong>K\u1ebft lu\u1eadn<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-path-to-node=\"50\">Vi\u1ec7c n\u1eafm v\u1eefng kh\u00e1i ni\u1ec7m <b data-path-to-node=\"50\" data-index-in-node=\"24\">h\u00ecnh th\u1ee9c thanh to\u00e1n l\u00e0 g\u00ec<\/b> v\u00e0 c\u00e1c xu h\u01b0\u1edbng thanh to\u00e1n hi\u1ec7n \u0111\u1ea1i l\u00e0 ch\u00eca kh\u00f3a \u0111\u1ec3 SMEs b\u1ee9t ph\u00e1. Kh\u00f4ng ch\u1ec9 d\u1eebng l\u1ea1i \u1edf vi\u1ec7c nh\u1eadn ti\u1ec1n, m\u1ed9t h\u1ec7 th\u1ed1ng thanh to\u00e1n th\u00f4ng minh c\u00f2n l\u00e0 c\u00f4ng c\u1ee5 qu\u1ea3n tr\u1ecb d\u00f2ng ti\u1ec1n, gi\u1ea3m thi\u1ec3u sai s\u00f3t v\u00e0 x\u00e2y d\u1ef1ng h\u00ecnh \u1ea3nh chuy\u00ean nghi\u1ec7p trong m\u1eaft kh\u00e1ch h\u00e0ng.<\/p>\n<p data-path-to-node=\"50\"><strong>Xem th\u00eam:<\/strong><\/p>\n<p data-path-to-node=\"50\"><a href=\"https:\/\/vtcpay.vn\/blog\/kinh-doanh-lu-hanh-la-gi-mo-hinh-nao-sinh-nhieu-loi-nhuan-nhat.html\">Kinh doanh l\u1eef h\u00e0nh l\u00e0 g\u00ec? M\u00f4 h\u00ecnh n\u00e0o sinh nhi\u1ec1u l\u1ee3i nhu\u1eadn nh\u1ea5t?<\/a><\/p>\n<p data-path-to-node=\"50\"><a href=\"https:\/\/vtcpay.vn\/blog\/dieu-kien-va-ho-so-xin-giay-phep-kinh-doanh-lu-hanh-noi-dia.html\">\u0110i\u1ec1u ki\u1ec7n v\u00e0 h\u1ed3 s\u01a1 xin gi\u1ea5y ph\u00e9p kinh doanh l\u1eef h\u00e0nh n\u1ed9i \u0111\u1ecba<\/a><\/p>\n<p data-path-to-node=\"50\"><a href=\"https:\/\/vtcpay.vn\/blog\/top-5-san-giao-dich-dien-tu-lon-nhat-tai-viet-nam.html\">Top 5 s\u00e0n giao d\u1ecbch \u0111i\u1ec7n t\u1eed l\u1edbn nh\u1ea5t t\u1ea1i Vi\u1ec7t Nam<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>H\u00ecnh th\u1ee9c thanh to\u00e1n (ti\u1ebfng Anh: Payment) kh\u00f4ng c\u00f2n b\u00f3 h\u1eb9p trong vi\u1ec7c trao \u0111\u1ed5i ti\u1ec1n m\u1eb7t tr\u1ef1c ti\u1ebfp. \u0110\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p v\u1eeba v\u00e0 nh\u1ecf (SMEs), vi\u1ec7c th\u1ea5u hi\u1ec3u v\u00e0 \u00e1p d\u1ee5ng \u0111a d\u1ea1ng c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n kh\u00f4ng ch\u1ec9 l\u00e0 c\u00e1ch \u0111\u1ec3 t\u1ed1i \u01b0u quy tr\u00ecnh v\u1eadn h\u00e0nh m\u00e0 c\u00f2n l\u00e0 [&hellip;]<\/p>\n","protected":false},"author":29,"featured_media":40743,"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>C\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n m\u00e0 doanh nghi\u1ec7p SMEs n\u00ean tham kh\u1ea3o<\/title>\n<meta name=\"description\" content=\"C\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n hi\u1ec7n \u0111\u1ea1i nh\u1ea5t 2026 m\u00e0 SMEs kh\u00f4ng th\u1ec3 b\u1ecf qua gi\u00fap t\u1ed1i \u01b0u v\u1eadn h\u00e0nh, t\u0103ng doanh thu v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng.\" \/>\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\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"C\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n m\u00e0 doanh nghi\u1ec7p SMEs n\u00ean tham kh\u1ea3o\" \/>\n<meta property=\"og:description\" content=\"C\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n hi\u1ec7n \u0111\u1ea1i nh\u1ea5t 2026 m\u00e0 SMEs kh\u00f4ng th\u1ec3 b\u1ecf qua gi\u00fap t\u1ed1i \u01b0u v\u1eadn h\u00e0nh, t\u0103ng doanh thu v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\" \/>\n<meta property=\"og:site_name\" content=\"VTC Pay Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/vidientuvtcpay\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-09T02:50:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/03\/hinh-thuc-thanh-toan.png\" \/>\n\t<meta property=\"og:image:width\" content=\"650\" \/>\n\t<meta property=\"og:image:height\" content=\"340\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"H\u00e0 Trang\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@vidientuvtcpay\" \/>\n<meta name=\"twitter:site\" content=\"@vidientuvtcpay\" \/>\n<meta name=\"twitter:label1\" content=\"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi\" \/>\n\t<meta name=\"twitter:data1\" content=\"H\u00e0 Trang\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 ph\u00fat\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\",\"url\":\"https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\",\"name\":\"C\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n m\u00e0 doanh nghi\u1ec7p SMEs n\u00ean tham kh\u1ea3o\",\"isPartOf\":{\"@id\":\"https:\/\/vtcpay.vn\/blog\/#website\"},\"datePublished\":\"2026-03-09T02:50:46+00:00\",\"dateModified\":\"2026-03-09T02:50:46+00:00\",\"author\":{\"@id\":\"https:\/\/vtcpay.vn\/blog\/#\/schema\/person\/c4d3b9b0704701234f455d514a78739b\"},\"description\":\"C\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n hi\u1ec7n \u0111\u1ea1i nh\u1ea5t 2026 m\u00e0 SMEs kh\u00f4ng th\u1ec3 b\u1ecf qua gi\u00fap t\u1ed1i \u01b0u v\u1eadn h\u00e0nh, t\u0103ng doanh thu v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng.\",\"breadcrumb\":{\"@id\":\"https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html#breadcrumb\"},\"inLanguage\":\"vi\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/vtcpay.vn\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"C\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n m\u00e0 doanh nghi\u1ec7p SMEs n\u00ean tham kh\u1ea3o\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/vtcpay.vn\/blog\/#website\",\"url\":\"https:\/\/vtcpay.vn\/blog\/\",\"name\":\"VTC Pay Blog\",\"description\":\"V\u00ed \u0111i\u1ec7n t\u1eed VTC Pay\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/vtcpay.vn\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"vi\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/vtcpay.vn\/blog\/#\/schema\/person\/c4d3b9b0704701234f455d514a78739b\",\"name\":\"H\u00e0 Trang\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"vi\",\"@id\":\"https:\/\/vtcpay.vn\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/ac277ea6c7b6ef3ef18e46a46d7074b1?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/ac277ea6c7b6ef3ef18e46a46d7074b1?s=96&d=mm&r=g\",\"caption\":\"H\u00e0 Trang\"},\"url\":\"https:\/\/vtcpay.vn\/blog\/author\/trangth03\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"C\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n m\u00e0 doanh nghi\u1ec7p SMEs n\u00ean tham kh\u1ea3o","description":"C\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n hi\u1ec7n \u0111\u1ea1i nh\u1ea5t 2026 m\u00e0 SMEs kh\u00f4ng th\u1ec3 b\u1ecf qua gi\u00fap t\u1ed1i \u01b0u v\u1eadn h\u00e0nh, t\u0103ng doanh thu v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html","og_locale":"vi_VN","og_type":"article","og_title":"C\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n m\u00e0 doanh nghi\u1ec7p SMEs n\u00ean tham kh\u1ea3o","og_description":"C\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n hi\u1ec7n \u0111\u1ea1i nh\u1ea5t 2026 m\u00e0 SMEs kh\u00f4ng th\u1ec3 b\u1ecf qua gi\u00fap t\u1ed1i \u01b0u v\u1eadn h\u00e0nh, t\u0103ng doanh thu v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng.","og_url":"https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html","og_site_name":"VTC Pay Blog","article_publisher":"https:\/\/www.facebook.com\/vidientuvtcpay","article_published_time":"2026-03-09T02:50:46+00:00","og_image":[{"width":650,"height":340,"url":"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/03\/hinh-thuc-thanh-toan.png","type":"image\/png"}],"author":"H\u00e0 Trang","twitter_card":"summary_large_image","twitter_creator":"@vidientuvtcpay","twitter_site":"@vidientuvtcpay","twitter_misc":{"\u0110\u01b0\u1ee3c vi\u1ebft b\u1edfi":"H\u00e0 Trang","\u01af\u1edbc t\u00ednh th\u1eddi gian \u0111\u1ecdc":"9 ph\u00fat"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html","url":"https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html","name":"C\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n m\u00e0 doanh nghi\u1ec7p SMEs n\u00ean tham kh\u1ea3o","isPartOf":{"@id":"https:\/\/vtcpay.vn\/blog\/#website"},"datePublished":"2026-03-09T02:50:46+00:00","dateModified":"2026-03-09T02:50:46+00:00","author":{"@id":"https:\/\/vtcpay.vn\/blog\/#\/schema\/person\/c4d3b9b0704701234f455d514a78739b"},"description":"C\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n hi\u1ec7n \u0111\u1ea1i nh\u1ea5t 2026 m\u00e0 SMEs kh\u00f4ng th\u1ec3 b\u1ecf qua gi\u00fap t\u1ed1i \u01b0u v\u1eadn h\u00e0nh, t\u0103ng doanh thu v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng.","breadcrumb":{"@id":"https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html#breadcrumb"},"inLanguage":"vi","potentialAction":[{"@type":"ReadAction","target":["https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/vtcpay.vn\/blog\/"},{"@type":"ListItem","position":2,"name":"C\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n m\u00e0 doanh nghi\u1ec7p SMEs n\u00ean tham kh\u1ea3o"}]},{"@type":"WebSite","@id":"https:\/\/vtcpay.vn\/blog\/#website","url":"https:\/\/vtcpay.vn\/blog\/","name":"VTC Pay Blog","description":"V\u00ed \u0111i\u1ec7n t\u1eed VTC Pay","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/vtcpay.vn\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"vi"},{"@type":"Person","@id":"https:\/\/vtcpay.vn\/blog\/#\/schema\/person\/c4d3b9b0704701234f455d514a78739b","name":"H\u00e0 Trang","image":{"@type":"ImageObject","inLanguage":"vi","@id":"https:\/\/vtcpay.vn\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/ac277ea6c7b6ef3ef18e46a46d7074b1?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ac277ea6c7b6ef3ef18e46a46d7074b1?s=96&d=mm&r=g","caption":"H\u00e0 Trang"},"url":"https:\/\/vtcpay.vn\/blog\/author\/trangth03"}]}},"_links":{"self":[{"href":"https:\/\/vtcpay.vn\/blog\/wp-json\/wp\/v2\/posts\/40742"}],"collection":[{"href":"https:\/\/vtcpay.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vtcpay.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vtcpay.vn\/blog\/wp-json\/wp\/v2\/users\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/vtcpay.vn\/blog\/wp-json\/wp\/v2\/comments?post=40742"}],"version-history":[{"count":1,"href":"https:\/\/vtcpay.vn\/blog\/wp-json\/wp\/v2\/posts\/40742\/revisions"}],"predecessor-version":[{"id":40747,"href":"https:\/\/vtcpay.vn\/blog\/wp-json\/wp\/v2\/posts\/40742\/revisions\/40747"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vtcpay.vn\/blog\/wp-json\/wp\/v2\/media\/40743"}],"wp:attachment":[{"href":"https:\/\/vtcpay.vn\/blog\/wp-json\/wp\/v2\/media?parent=40742"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vtcpay.vn\/blog\/wp-json\/wp\/v2\/categories?post=40742"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vtcpay.vn\/blog\/wp-json\/wp\/v2\/tags?post=40742"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}