{"id":41701,"date":"2026-04-30T15:37:57","date_gmt":"2026-04-30T08:37:57","guid":{"rendered":"https:\/\/vtcpay.vn\/blog\/?p=41701"},"modified":"2026-04-30T15:37:57","modified_gmt":"2026-04-30T08:37:57","slug":"quy-dinh-thanh-toan-khong-dung-tien-mat-2026","status":"publish","type":"post","link":"https:\/\/vtcpay.vn\/blog\/quy-dinh-thanh-toan-khong-dung-tien-mat-2026.html","title":{"rendered":"C\u1eadp nh\u1eadt quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t 2026"},"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-69f5c7308343f\" 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-69f5c7308343f\" 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\/quy-dinh-thanh-toan-khong-dung-tien-mat-2026.html\/#1_Chung_tu_thanh_toan_khong_dung_tien_mat_la_gi\" >1. Ch\u1ee9ng t\u1eeb thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t l\u00e0 g\u00ec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/vtcpay.vn\/blog\/quy-dinh-thanh-toan-khong-dung-tien-mat-2026.html\/#3_Cac_loai_chung_tu_thanh_toan_khong_dung_tien_mat_hop_le\" >3. C\u00e1c lo\u1ea1i ch\u1ee9ng t\u1eeb thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t h\u1ee3p l\u1ec7<\/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\/quy-dinh-thanh-toan-khong-dung-tien-mat-2026.html\/#Nhom_chung_tu_qua_ngan_hang\" >Nh\u00f3m ch\u1ee9ng t\u1eeb qua ng\u00e2n h\u00e0ng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/vtcpay.vn\/blog\/quy-dinh-thanh-toan-khong-dung-tien-mat-2026.html\/#Nhom_chung_tu_khac\" >Nh\u00f3m ch\u1ee9ng t\u1eeb kh\u00e1c<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/vtcpay.vn\/blog\/quy-dinh-thanh-toan-khong-dung-tien-mat-2026.html\/#4_Nhung_luu_y_quan_trong_cho_doanh_nghiep_tu_01072025\" >4. Nh\u1eefng l\u01b0u \u00fd quan tr\u1ecdng cho doanh nghi\u1ec7p t\u1eeb 01\/07\/2025<\/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\/quy-dinh-thanh-toan-khong-dung-tien-mat-2026.html\/#Cap_nhat_quy_trinh_thanh_toan\" >C\u1eadp nh\u1eadt quy tr\u00ecnh thanh to\u00e1n<\/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\/quy-dinh-thanh-toan-khong-dung-tien-mat-2026.html\/#Luu_tru_chung_tu_day_du\" >L\u01b0u tr\u1eef ch\u1ee9ng t\u1eeb \u0111\u1ea7y \u0111\u1ee7<\/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\/quy-dinh-thanh-toan-khong-dung-tien-mat-2026.html\/#Luu_y_ve_phan_thanh_toan_con_lai\" >L\u01b0u \u00fd v\u1ec1 ph\u1ea7n thanh to\u00e1n c\u00f2n l\u1ea1i<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/vtcpay.vn\/blog\/quy-dinh-thanh-toan-khong-dung-tien-mat-2026.html\/#5_Tam_ket\" >5. T\u1ea1m k\u1ebft<\/a><\/li><\/ul><\/nav><\/div>\n<p><em>Ch\u1ee9ng t\u1eeb <a href=\"https:\/\/vtcpay.vn\/blog\/quy-dinh-thanh-toan-khong-dung-tien-mat-2026.html\" target=\"_blank\" rel=\"noopener\"><strong>thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t<\/strong><\/a> s\u1ebd tr\u1edf th\u00e0nh \u0111i\u1ec1u ki\u1ec7n b\u1eaft bu\u1ed9c \u0111\u1ec3 doanh nghi\u1ec7p \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng (GTGT) v\u00e0 ghi nh\u1eadn chi ph\u00ed h\u1ee3p l\u1ec7 theo quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 181\/2025\/N\u0110-CP, ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01\/07\/2025. Trong b\u00e0i vi\u1ebft n\u00e0y, <a href=\"https:\/\/vtcpay.vn\/blog\"><strong>VTC Pay<\/strong><\/a> s\u1ebd gi\u00fap doanh nghi\u1ec7p c\u1eadp nh\u1eadt \u0111\u1ea7y \u0111\u1ee7 nh\u1eefng thay \u0111\u1ed5i quan tr\u1ecdng li\u00ean quan \u0111\u1ebfn quy \u0111\u1ecbnh m\u1edbi n\u00e0y.<\/em><\/p>\n<h2 data-section-id=\"mdi4vj\" data-start=\"621\" data-end=\"673\"><span class=\"ez-toc-section\" id=\"1_Chung_tu_thanh_toan_khong_dung_tien_mat_la_gi\"><\/span><strong>1. Ch\u1ee9ng t\u1eeb thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"675\" data-end=\"932\">Theo kho\u1ea3n 1 \u0110i\u1ec1u 26 Ngh\u1ecb \u0111\u1ecbnh 181\/2025\/N\u0110-CP, doanh nghi\u1ec7p khi mua h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 (bao g\u1ed3m c\u1ea3 nh\u1eadp kh\u1ea9u) c\u00f3 gi\u00e1 tr\u1ecb t\u1eeb <strong data-start=\"798\" data-end=\"840\">05 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean (\u0111\u00e3 bao g\u1ed3m VAT)<\/strong> b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 <strong data-start=\"858\" data-end=\"901\">ch\u1ee9ng t\u1eeb thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t<\/strong> \u0111\u1ec3 \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n kh\u1ea5u tr\u1eeb thu\u1ebf.<\/p>\n<p data-start=\"675\" data-end=\"932\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-41703\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/04\/quy-dinh-thanh-toan-khong-dung-tien-mat-2026-1.webp\" alt=\"quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \" width=\"650\" height=\"341\" \/><\/p>\n<p data-start=\"934\" data-end=\"1139\">Hi\u1ec3u m\u1ed9t c\u00e1ch \u0111\u01a1n gi\u1ea3n, \u0111\u00e2y l\u00e0 c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh vi\u1ec7c thanh to\u00e1n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n th\u00f4ng qua c\u00e1c ph\u01b0\u01a1ng th\u1ee9c <strong data-start=\"1046\" data-end=\"1072\">kh\u00f4ng s\u1eed d\u1ee5ng ti\u1ec1n m\u1eb7t<\/strong>, ph\u00f9 h\u1ee3p v\u1edbi quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt v\u1ec1 thanh to\u00e1n v\u00e0 qu\u1ea3n l\u00fd thu\u1ebf.<\/p>\n<p data-start=\"1141\" data-end=\"1158\">L\u01b0u \u00fd quan tr\u1ecdng:<\/p>\n<ul data-start=\"1159\" data-end=\"1315\">\n<li data-section-id=\"17r2w39\" data-start=\"1159\" data-end=\"1244\">Kh\u00f4ng ch\u1ea5p nh\u1eadn ch\u1ee9ng t\u1eeb b\u00ean mua <strong data-start=\"1194\" data-end=\"1242\">n\u1ed9p ti\u1ec1n m\u1eb7t tr\u1ef1c ti\u1ebfp v\u00e0o t\u00e0i kho\u1ea3n b\u00ean b\u00e1n<\/strong><\/li>\n<li data-section-id=\"15fjro2\" data-start=\"1245\" data-end=\"1315\">Ch\u1ec9 c\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n h\u1ee3p l\u1ec7 theo quy \u0111\u1ecbnh m\u1edbi \u0111\u01b0\u1ee3c c\u00f4ng nh\u1eadn<\/li>\n<\/ul>\n<p data-section-id=\"vj1jtp\" data-start=\"1317\" data-end=\"1348\"><strong>\u0110i\u1ec3m m\u1edbi so v\u1edbi quy \u0111\u1ecbnh c\u0169<\/strong><\/p>\n<p data-start=\"1350\" data-end=\"1480\">Tr\u01b0\u1edbc \u0111\u00e2y, theo Lu\u1eadt Thu\u1ebf GTGT 2008, ch\u1ec9 c\u00e1c giao d\u1ecbch t\u1eeb <strong data-start=\"1408\" data-end=\"1433\">20 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean<\/strong> m\u1edbi b\u1eaft bu\u1ed9c thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t.<\/p>\n<p data-start=\"1482\" data-end=\"1512\">Tuy nhi\u00ean, t\u1eeb ng\u00e0y 01\/07\/2025:<\/p>\n<ul data-start=\"1513\" data-end=\"1649\">\n<li data-section-id=\"1xaivna\" data-start=\"1513\" data-end=\"1563\">Ng\u01b0\u1ee1ng n\u00e0y \u0111\u01b0\u1ee3c <strong data-start=\"1531\" data-end=\"1563\">gi\u1ea3m xu\u1ed1ng c\u00f2n 05 tri\u1ec7u \u0111\u1ed3ng<\/strong><\/li>\n<li data-section-id=\"gbp8sw\" data-start=\"1564\" data-end=\"1649\">\u0110i\u1ec1u n\u00e0y \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c doanh nghi\u1ec7p ph\u1ea3i ki\u1ec3m so\u00e1t ch\u1eb7t ch\u1ebd h\u01a1n c\u00e1c kho\u1ea3n chi<\/li>\n<\/ul>\n<p data-start=\"1651\" data-end=\"1686\">Ngo\u00e0i ra, c\u00f2n c\u00f3 c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c th\u00f9 theo quy \u0111\u1ecbnh \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn t\u1ea1i kho\u1ea3n 2 \u0111i\u1ec1u 26 Ngh\u1ecb \u0111\u1ecbnh 181\/2025\/N\u0110-CP:<\/p>\n<table style=\"width: 100%;\">\n<thead>\n<tr>\n<th style=\"text-align: center; width: 7.04023%;\">STT<\/th>\n<th style=\"text-align: center; width: 25%;\">H\u00ecnh th\u1ee9c<\/th>\n<th style=\"text-align: center; width: 37.5%;\">\u0110i\u1ec1u ki\u1ec7n<\/th>\n<th style=\"text-align: center; width: 29.1667%;\">H\u1ed3 s\u01a1, ch\u1ee9ng t\u1eeb \u0111i k\u00e8m<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 7.04023%;\">1<\/td>\n<td style=\"width: 25%;\">Thanh to\u00e1n b\u00f9 tr\u1eeb gi\u1eefa gi\u00e1 tr\u1ecb h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 mua v\u00e0o v\u1edbi h\u00e0ng h\u00f3a, d\u1ecbch v\u1ee5 b\u00e1n ra; vay, m\u01b0\u1ee3n h\u00e0ng<\/td>\n<td style=\"width: 37.5%;\">&#8211; Ph\u01b0\u01a1ng th\u1ee9c b\u00f9 tr\u1eeb quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 trong h\u1ee3p \u0111\u1ed3ng &#8211; C\u00f3 bi\u00ean b\u1ea3n \u0111\u1ed1i chi\u1ebfu s\u1ed1 li\u1ec7u v\u00e0 x\u00e1c nh\u1eadn gi\u1eefa hai b\u00ean &#8211; N\u1ebfu qua b\u00ean th\u1ee9 ba: ph\u1ea3i c\u00f3 bi\u00ean b\u1ea3n b\u00f9 tr\u1eeb c\u00f4ng n\u1ee3 3 b\u00ean<\/td>\n<td style=\"width: 29.1667%;\">&#8211; Bi\u00ean b\u1ea3n \u0111\u1ed1i chi\u1ebfu, x\u00e1c nh\u1eadn c\u00f4ng n\u1ee3 &#8211; Bi\u00ean b\u1ea3n b\u00f9 tr\u1eeb c\u00f4ng n\u1ee3 3 b\u00ean (n\u1ebfu c\u00f3)<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7.04023%;\">2<\/td>\n<td style=\"width: 25%;\">B\u00f9 tr\u1eeb c\u00f4ng n\u1ee3 vay, m\u01b0\u1ee3n ti\u1ec1n; c\u1ea5n tr\u1eeb qua b\u00ean th\u1ee9 ba<\/td>\n<td style=\"width: 37.5%;\">&#8211; C\u00f3 quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng &#8211; C\u00f3 h\u1ee3p \u0111\u1ed3ng vay\/m\u01b0\u1ee3n b\u1eb1ng v\u0103n b\u1ea3n l\u1eadp tr\u01b0\u1edbc &#8211; C\u00f3 ch\u1ee9ng t\u1eeb chuy\u1ec3n ti\u1ec1n qua t\u00e0i kho\u1ea3n &#8211; Bao g\u1ed3m c\u1ea3 tr\u01b0\u1eddng h\u1ee3p b\u00f9 tr\u1eeb v\u1edbi kho\u1ea3n h\u1ed7 tr\u1ee3\/chi h\u1ed9<\/td>\n<td style=\"width: 29.1667%;\">&#8211; H\u1ee3p \u0111\u1ed3ng vay\/m\u01b0\u1ee3n ti\u1ec1n &#8211; Ch\u1ee9ng t\u1eeb chuy\u1ec3n kho\u1ea3n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7.04023%;\">3<\/td>\n<td style=\"width: 25%;\">Thanh to\u00e1n \u1ee7y quy\u1ec1n ho\u1eb7c qua b\u00ean th\u1ee9 ba<\/td>\n<td style=\"width: 37.5%;\">&#8211; Th\u1ef1c hi\u1ec7n theo \u1ee7y quy\u1ec1n ho\u1eb7c ch\u1ec9 \u0111\u1ecbnh c\u1ee7a b\u00ean b\u00e1n &#8211; Quy \u0111\u1ecbnh r\u00f5 trong h\u1ee3p \u0111\u1ed3ng &#8211; B\u00ean th\u1ee9 ba ho\u1ea1t \u0111\u1ed9ng h\u1ee3p ph\u00e1p<\/td>\n<td style=\"width: 29.1667%;\">&#8211; H\u1ee3p \u0111\u1ed3ng quy \u0111\u1ecbnh ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n &#8211; Ch\u1ee9ng t\u1eeb chuy\u1ec3n ti\u1ec1n h\u1ee3p l\u1ec7<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7.04023%;\">4<\/td>\n<td style=\"width: 25%;\">Thanh to\u00e1n b\u1eb1ng c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu<\/td>\n<td style=\"width: 37.5%;\">&#8211; C\u00f3 th\u1ecfa thu\u1eadn c\u1ee5 th\u1ec3 trong h\u1ee3p \u0111\u1ed3ng &#8211; C\u00f3 h\u1ee3p \u0111\u1ed3ng mua b\u00e1n l\u1eadp tr\u01b0\u1edbc<\/td>\n<td style=\"width: 29.1667%;\">&#8211; H\u1ee3p \u0111\u1ed3ng mua b\u00e1n b\u1eb1ng v\u0103n b\u1ea3n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7.04023%;\">5<\/td>\n<td style=\"width: 25%;\">Ph\u1ea7n gi\u00e1 tr\u1ecb c\u00f2n l\u1ea1i sau b\u00f9 tr\u1eeb \u2265 05 tri\u1ec7u \u0111\u1ed3ng<\/td>\n<td style=\"width: 37.5%;\">&#8211; Ch\u1ec9 \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb thu\u1ebf n\u1ebfu thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t<\/td>\n<td style=\"width: 29.1667%;\">&#8211; Ch\u1ee9ng t\u1eeb thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7.04023%;\">6<\/td>\n<td style=\"width: 25%;\">Thanh to\u00e1n v\u00e0o t\u00e0i kho\u1ea3n b\u00ean th\u1ee9 ba t\u1ea1i Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc (c\u01b0\u1ee1ng ch\u1ebf)<\/td>\n<td style=\"width: 37.5%;\">&#8211; Theo quy\u1ebft \u0111\u1ecbnh c\u01b0\u1ee1ng ch\u1ebf c\u1ee7a c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n &#8211; Chuy\u1ec3n ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n b\u00ean th\u1ee9 ba t\u1ea1i Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc<\/td>\n<td style=\"width: 29.1667%;\">&#8211; Quy\u1ebft \u0111\u1ecbnh c\u01b0\u1ee1ng ch\u1ebf &#8211; Ch\u1ee9ng t\u1eeb chuy\u1ec3n ti\u1ec1n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7.04023%;\">7<\/td>\n<td style=\"width: 25%;\">Mua tr\u1ea3 ch\u1eadm, tr\u1ea3 g\u00f3p \u2265 05 tri\u1ec7u \u0111\u1ed3ng<\/td>\n<td style=\"width: 37.5%;\">&#8211; C\u00f3 h\u1ee3p \u0111\u1ed3ng, h\u00f3a \u0111\u01a1n GTGT, ch\u1ee9ng t\u1eeb thanh to\u00e1n &#8211; Ch\u01b0a \u0111\u1ebfn h\u1ea1n v\u1eabn \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb thu\u1ebf &#8211; \u0110\u1ebfn h\u1ea1n ch\u01b0a thanh to\u00e1n kh\u00f4ng ti\u1ec1n m\u1eb7t th\u00ec ph\u1ea3i \u0111i\u1ec1u ch\u1ec9nh thu\u1ebf<\/td>\n<td style=\"width: 29.1667%;\">&#8211; H\u1ee3p \u0111\u1ed3ng mua b\u00e1n &#8211; H\u00f3a \u0111\u01a1n GTGT &#8211; Ch\u1ee9ng t\u1eeb thanh to\u00e1n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7.04023%;\">8<\/td>\n<td style=\"width: 25%;\">Giao d\u1ecbch d\u01b0\u1edbi 05 tri\u1ec7u \u0111\u1ed3ng; h\u00e0ng bi\u1ebfu t\u1eb7ng, m\u1eabu kh\u00f4ng tr\u1ea3 ti\u1ec1n<\/td>\n<td style=\"width: 37.5%;\">&#8211; Kh\u00f4ng b\u1eaft bu\u1ed9c thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t<\/td>\n<td style=\"width: 29.1667%;\">&#8211; H\u00f3a \u0111\u01a1n mua h\u00e0ng ho\u1eb7c ch\u1ee9ng t\u1eeb nh\u1eadp kh\u1ea9u<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 7.04023%;\">9<\/td>\n<td style=\"width: 25%;\">Ng\u01b0\u1eddi lao \u0111\u1ed9ng thanh to\u00e1n thay doanh nghi\u1ec7p<\/td>\n<td style=\"width: 37.5%;\">&#8211; Theo quy ch\u1ebf t\u00e0i ch\u00ednh\/n\u1ed9i b\u1ed9 &#8211; Doanh nghi\u1ec7p ho\u00e0n tr\u1ea3 b\u1eb1ng h\u00ecnh th\u1ee9c kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t<\/td>\n<td style=\"width: 29.1667%;\">&#8211; Quy ch\u1ebf n\u1ed9i b\u1ed9 &#8211; Ch\u1ee9ng t\u1eeb thanh to\u00e1n gi\u1eefa doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 data-section-id=\"1e56avj\" data-start=\"2707\" data-end=\"2768\"><span class=\"ez-toc-section\" id=\"3_Cac_loai_chung_tu_thanh_toan_khong_dung_tien_mat_hop_le\"><\/span><strong>3. C\u00e1c lo\u1ea1i ch\u1ee9ng t\u1eeb thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t h\u1ee3p l\u1ec7<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2770\" data-end=\"2882\">Theo quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 52\/2024\/N\u0110-CP, ch\u1ee9ng t\u1eeb thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \u0111\u01b0\u1ee3c chia th\u00e0nh 2 nh\u00f3m ch\u00ednh:<\/p>\n<h3 data-section-id=\"w276yz\" data-start=\"2884\" data-end=\"2915\"><span class=\"ez-toc-section\" id=\"Nhom_chung_tu_qua_ngan_hang\"><\/span><strong>Nh\u00f3m ch\u1ee9ng t\u1eeb qua ng\u00e2n h\u00e0ng<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"2917\" data-end=\"2972\">Bao g\u1ed3m c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh giao d\u1ecbch chuy\u1ec3n kho\u1ea3n:<\/p>\n<ul data-start=\"2974\" data-end=\"3223\">\n<li data-section-id=\"1l4geig\" data-start=\"2974\" data-end=\"3014\">\u1ee6y nhi\u1ec7m chi, l\u1ec7nh chi, s\u00e9c, nh\u1edd thu<\/li>\n<li data-section-id=\"wyipns\" data-start=\"3015\" data-end=\"3057\">Thanh to\u00e1n qua th\u1ebb (ATM, th\u1ebb t\u00edn d\u1ee5ng)<\/li>\n<li data-section-id=\"1ckixe6\" data-start=\"3058\" data-end=\"3102\">Giao d\u1ecbch v\u00ed \u0111i\u1ec7n t\u1eed, thanh to\u00e1n qua SIM<\/li>\n<li data-section-id=\"qo3e70\" data-start=\"3103\" data-end=\"3167\">Sao k\u00ea ng\u00e2n h\u00e0ng, gi\u1ea5y b\u00e1o n\u1ee3, x\u00e1c nh\u1eadn giao d\u1ecbch th\u00e0nh c\u00f4ng<\/li>\n<li data-section-id=\"8krltx\" data-start=\"3168\" data-end=\"3223\">Chuy\u1ec3n kho\u1ea3n gi\u1eefa t\u00e0i kho\u1ea3n doanh nghi\u1ec7p v\u00e0 \u0111\u1ed1i t\u00e1c<\/li>\n<\/ul>\n<p data-start=\"3225\" data-end=\"3328\"><strong>L\u01b0u \u00fd:<\/strong> Vi\u1ec7c <strong data-start=\"3240\" data-end=\"3278\">n\u1ed9p ti\u1ec1n m\u1eb7t v\u00e0o t\u00e0i kho\u1ea3n b\u00ean b\u00e1n<\/strong> kh\u00f4ng \u0111\u01b0\u1ee3c coi l\u00e0 thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t.<\/p>\n<p data-start=\"3225\" data-end=\"3328\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-41704\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/04\/quy-dinh-thanh-toan-khong-dung-tien-mat-2026-2.webp\" alt=\"quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \" width=\"650\" height=\"433\" \/><\/p>\n<h3 data-section-id=\"wxn7u3\" data-start=\"3335\" data-end=\"3357\"><span class=\"ez-toc-section\" id=\"Nhom_chung_tu_khac\"><\/span><strong>Nh\u00f3m ch\u1ee9ng t\u1eeb kh\u00e1c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"3359\" data-end=\"3421\">Ngo\u00e0i ng\u00e2n h\u00e0ng, c\u00e1c h\u00ecnh th\u1ee9c sau v\u1eabn h\u1ee3p l\u1ec7 n\u1ebfu c\u00f3 \u0111\u1ee7 h\u1ed3 s\u01a1:<\/p>\n<ul data-start=\"3423\" data-end=\"3547\">\n<li data-section-id=\"ah3d9p\" data-start=\"3423\" data-end=\"3441\">B\u00f9 tr\u1eeb c\u00f4ng n\u1ee3<\/li>\n<li data-section-id=\"5y8jal\" data-start=\"3442\" data-end=\"3485\">Thanh to\u00e1n qua b\u00ean th\u1ee9 ba \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh<\/li>\n<li data-section-id=\"16z06o2\" data-start=\"3486\" data-end=\"3507\">C\u1ea5n tr\u1eeb kho\u1ea3n vay<\/li>\n<li data-section-id=\"6gc3oa\" data-start=\"3508\" data-end=\"3547\">Chuy\u1ec3n ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n c\u01b0\u1ee1ng ch\u1ebf<\/li>\n<\/ul>\n<h2 data-section-id=\"18l08p5\" data-start=\"3554\" data-end=\"3613\"><span class=\"ez-toc-section\" id=\"4_Nhung_luu_y_quan_trong_cho_doanh_nghiep_tu_01072025\"><\/span><strong>4. Nh\u1eefng l\u01b0u \u00fd quan tr\u1ecdng cho doanh nghi\u1ec7p t\u1eeb 01\/07\/2025<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>M\u1ed9t v\u00e0i l\u01b0u \u00fd quan tr\u1ecdng cho doanh nghi\u1ec7p v\u1ec1 h\u00f3a \u0111\u01a1n sau ng\u00e0y 01\/07\/2025:<\/p>\n<h3 data-section-id=\"s3gpix\" data-start=\"3615\" data-end=\"3648\"><span class=\"ez-toc-section\" id=\"Cap_nhat_quy_trinh_thanh_toan\"><\/span><strong>C\u1eadp nh\u1eadt quy tr\u00ecnh thanh to\u00e1n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"3650\" data-end=\"3716\">Doanh nghi\u1ec7p c\u1ea7n r\u00e0 so\u00e1t l\u1ea1i to\u00e0n b\u1ed9 quy tr\u00ecnh chi tr\u1ea3 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o:<\/p>\n<ul data-start=\"3718\" data-end=\"3947\">\n<li data-section-id=\"v3y5t4\" data-start=\"3718\" data-end=\"3802\">T\u1ea5t c\u1ea3 giao d\u1ecbch t\u1eeb <strong data-start=\"3740\" data-end=\"3765\">05 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean<\/strong> \u0111\u1ec1u thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t<\/li>\n<li data-section-id=\"1fif56n\" data-start=\"3803\" data-end=\"3884\">\u00c1p d\u1ee5ng c\u00e1c ph\u01b0\u01a1ng th\u1ee9c h\u1ee3p ph\u00e1p nh\u01b0 chuy\u1ec3n kho\u1ea3n, v\u00ed \u0111i\u1ec7n t\u1eed, b\u00f9 tr\u1eeb c\u00f4ng n\u1ee3<\/li>\n<li data-section-id=\"ivlcsn\" data-start=\"3885\" data-end=\"3947\">H\u1ea1n ch\u1ebf t\u1ed1i \u0111a thanh to\u00e1n ti\u1ec1n m\u1eb7t \u0111\u1ec3 tr\u00e1nh r\u1ee7i ro v\u1ec1 thu\u1ebf<\/li>\n<\/ul>\n<h3 data-section-id=\"pntvyj\" data-start=\"3954\" data-end=\"3981\"><span class=\"ez-toc-section\" id=\"Luu_tru_chung_tu_day_du\"><\/span><strong>L\u01b0u tr\u1eef ch\u1ee9ng t\u1eeb \u0111\u1ea7y \u0111\u1ee7<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"3983\" data-end=\"4014\">H\u1ed3 s\u01a1 c\u1ea7n \u0111\u01b0\u1ee3c l\u01b0u tr\u1eef bao g\u1ed3m:<\/p>\n<ul data-start=\"4016\" data-end=\"4191\">\n<li data-section-id=\"7wfdpo\" data-start=\"4016\" data-end=\"4036\">H\u1ee3p \u0111\u1ed3ng mua b\u00e1n<\/li>\n<li data-section-id=\"1d9hiwc\" data-start=\"4037\" data-end=\"4053\">H\u00f3a \u0111\u01a1n GTGT<\/li>\n<li data-section-id=\"xtimrb\" data-start=\"4054\" data-end=\"4079\">Ch\u1ee9ng t\u1eeb chuy\u1ec3n kho\u1ea3n<\/li>\n<li data-section-id=\"hemt8w\" data-start=\"4080\" data-end=\"4100\">Sao k\u00ea ng\u00e2n h\u00e0ng<\/li>\n<li data-section-id=\"1q10u1m\" data-start=\"4101\" data-end=\"4131\">Bi\u00ean b\u1ea3n \u0111\u1ed1i chi\u1ebfu c\u00f4ng n\u1ee3<\/li>\n<li data-section-id=\"1b5ngw9\" data-start=\"4132\" data-end=\"4191\">Gi\u1ea5y \u1ee7y quy\u1ec1n, quy\u1ebft \u0111\u1ecbnh c\u1ee7a c\u01a1 quan nh\u00e0 n\u01b0\u1edbc (n\u1ebfu c\u00f3)<\/li>\n<\/ul>\n<p data-start=\"4193\" data-end=\"4271\">V\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c th\u00f9 nh\u01b0 b\u00f9 tr\u1eeb c\u00f4ng n\u1ee3 ho\u1eb7c vay m\u01b0\u1ee3n, c\u1ea7n b\u1ed5 sung th\u00eam:<\/p>\n<ul data-start=\"4272\" data-end=\"4348\">\n<li data-section-id=\"19s5hwp\" data-start=\"4272\" data-end=\"4293\">H\u1ee3p \u0111\u1ed3ng vay\/m\u01b0\u1ee3n<\/li>\n<li data-section-id=\"1qhpxnt\" data-start=\"4294\" data-end=\"4316\">Bi\u00ean b\u1ea3n \u0111\u1ed1i chi\u1ebfu<\/li>\n<li data-section-id=\"1r2uc1g\" data-start=\"4317\" data-end=\"4348\">Ch\u1ee9ng t\u1eeb chuy\u1ec3n ti\u1ec1n h\u1ee3p l\u1ec7<\/li>\n<\/ul>\n<h3 data-section-id=\"1e1ow80\" data-start=\"4355\" data-end=\"4391\"><span class=\"ez-toc-section\" id=\"Luu_y_ve_phan_thanh_toan_con_lai\"><\/span><strong>L\u01b0u \u00fd v\u1ec1 ph\u1ea7n thanh to\u00e1n c\u00f2n l\u1ea1i<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"4393\" data-end=\"4420\">N\u1ebfu doanh nghi\u1ec7p th\u1ef1c hi\u1ec7n:<\/p>\n<ul data-start=\"4421\" data-end=\"4469\">\n<li data-section-id=\"ah3d9p\" data-start=\"4421\" data-end=\"4439\">B\u00f9 tr\u1eeb c\u00f4ng n\u1ee3<\/li>\n<li data-section-id=\"1p1yrxu\" data-start=\"4440\" data-end=\"4469\">Thanh to\u00e1n qua b\u00ean th\u1ee9 ba<\/li>\n<\/ul>\n<p data-start=\"4471\" data-end=\"4568\">Th\u00ec ph\u1ea7n gi\u00e1 tr\u1ecb c\u00f2n l\u1ea1i t\u1eeb 05 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean v\u1eabn ph\u1ea3i thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t.<\/p>\n<p data-start=\"4570\" data-end=\"4599\">N\u1ebfu kh\u00f4ng c\u00f3 \u0111\u1ea7y \u0111\u1ee7 ch\u1ee9ng t\u1eeb:<\/p>\n<ul data-start=\"4600\" data-end=\"4678\">\n<li data-section-id=\"1xhui8v\" data-start=\"4600\" data-end=\"4633\">Kh\u00f4ng \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb thu\u1ebf GTGT<\/li>\n<li data-section-id=\"1ufhwtq\" data-start=\"4634\" data-end=\"4678\">C\u00f3 nguy c\u01a1 b\u1ecb x\u1eed ph\u1ea1t khi thanh tra thu\u1ebf<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-41705\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/04\/quy-dinh-thanh-toan-khong-dung-tien-mat-2026-3.webp\" alt=\"quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t \" width=\"650\" height=\"434\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_Tam_ket\"><\/span><strong>5. T\u1ea1m k\u1ebft<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>C\u00f3 th\u1ec3 th\u1ea5y, quy \u0111\u1ecbnh v\u1ec1 ch\u1ee9ng t\u1eeb <strong>thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t<\/strong> t\u1eeb ng\u00e0y 01\/07\/2025 s\u1ebd t\u00e1c \u0111\u1ed9ng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn c\u00e1ch doanh nghi\u1ec7p v\u1eadn h\u00e0nh t\u00e0i ch\u00ednh v\u00e0 qu\u1ea3n l\u00fd thu\u1ebf. Vi\u1ec7c tu\u00e2n th\u1ee7 \u0111\u00fang quy \u0111\u1ecbnh kh\u00f4ng ch\u1ec9 gi\u00fap doanh nghi\u1ec7p \u0111\u1ea3m b\u1ea3o \u0111i\u1ec1u ki\u1ec7n kh\u1ea5u tr\u1eeb thu\u1ebf GTGT, m\u00e0 c\u00f2n n\u00e2ng cao t\u00ednh minh b\u1ea1ch, h\u1ea1n ch\u1ebf r\u1ee7i ro khi thanh tra, ki\u1ec3m tra. V\u00ec v\u1eady, doanh nghi\u1ec7p c\u1ea7n ch\u1ee7 \u0111\u1ed9ng chu\u1ea9n h\u00f3a quy tr\u00ecnh thanh to\u00e1n, \u01b0u ti\u00ean c\u00e1c ph\u01b0\u01a1ng th\u1ee9c kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t v\u00e0 l\u01b0u tr\u1eef ch\u1ee9ng t\u1eeb \u0111\u1ea7y \u0111\u1ee7, h\u1ee3p l\u1ec7.<\/p>\n<p><em>\u0110\u1ec3 t\u1ed1i \u01b0u quy tr\u00ecnh thanh to\u00e1n v\u00e0 \u0111\u00e1p \u1ee9ng \u0111\u1ea7y \u0111\u1ee7 y\u00eau c\u1ea7u ph\u00e1p l\u00fd, doanh nghi\u1ec7p c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn <a href=\"https:\/\/doitac.vtcpay.vn\/\"><strong>VTC Pay<\/strong><\/a> \u2013 c\u1ed5ng thanh to\u00e1n \u0111i\u1ec7n t\u1eed uy t\u00edn, h\u1ed7 tr\u1ee3 \u0111a d\u1ea1ng ph\u01b0\u01a1ng th\u1ee9c nh\u01b0 chuy\u1ec3n kho\u1ea3n, v\u00ed \u0111i\u1ec7n t\u1eed, th\u1ebb n\u1ed9i \u0111\u1ecba v\u00e0 qu\u1ed1c t\u1ebf.<\/em><\/p>\n<p><strong>Xem th\u00eam:<\/strong><\/p>\n<ul>\n<li><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><\/li>\n<li><a href=\"https:\/\/vtcpay.vn\/blog\/dieu-kien-va-thu-tuc-cap-giay-phep-kinh-doanh-lu-hanh-quoc-te.html\">\u0110i\u1ec1u ki\u1ec7n v\u00e0 th\u1ee7 t\u1ee5c c\u1ea5p gi\u1ea5y ph\u00e9p kinh doanh l\u1eef h\u00e0nh qu\u1ed1c t\u1ebf<\/a><\/li>\n<li><a href=\"https:\/\/vtcpay.vn\/blog\/cac-hinh-thuc-thanh-toan-ma-doanh-nghiep-smes-nen-tham-khao.html\">C\u00e1c h\u00ecnh th\u1ee9c thanh to\u00e1n m\u00e0 doanh nghi\u1ec7p SMEs n\u00ean tham kh\u1ea3o<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Ch\u1ee9ng t\u1eeb thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t s\u1ebd tr\u1edf th\u00e0nh \u0111i\u1ec1u ki\u1ec7n b\u1eaft bu\u1ed9c \u0111\u1ec3 doanh nghi\u1ec7p \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng (GTGT) v\u00e0 ghi nh\u1eadn chi ph\u00ed h\u1ee3p l\u1ec7 theo quy \u0111\u1ecbnh t\u1ea1i Ngh\u1ecb \u0111\u1ecbnh 181\/2025\/N\u0110-CP, ch\u00ednh th\u1ee9c c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 01\/07\/2025. Trong b\u00e0i vi\u1ebft n\u00e0y, VTC Pay [&hellip;]<\/p>\n","protected":false},"author":28,"featured_media":41702,"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\u1eadp nh\u1eadt quy \u0111\u1ecbnh thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t 2026<\/title>\n<meta name=\"description\" content=\"K\u1ec3 t\u1eeb ng\u00e0y 01\/7\/2025, c\u00e1c h\u00f3a \u0111\u01a1n c\u00f3 gi\u00e1 tr\u1ecb t\u1eeb 5 tri\u1ec7u \u0111\u1ed3ng tr\u1edf l\u00ean b\u1eaft bu\u1ed9c ph\u1ea3i \u0111i k\u00e8m ch\u1ee9ng t\u1eeb thanh to\u00e1n kh\u00f4ng d\u00f9ng ti\u1ec1n m\u1eb7t theo quy \u0111\u1ecbnh. 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