{"id":44858,"date":"2026-10-14T16:26:59","date_gmt":"2026-10-14T09:26:59","guid":{"rendered":"https:\/\/vtcpay.vn\/blog\/?p=44858"},"modified":"2026-10-14T16:49:03","modified_gmt":"2026-10-14T09:49:03","slug":"quy-trinh-doi-ngan-hang-khi-dung-cong-thanh-toan-can-chuan-bi-gi","status":"publish","type":"post","link":"https:\/\/vtcpay.vn\/blog\/quy-trinh-doi-ngan-hang-khi-dung-cong-thanh-toan-can-chuan-bi-gi.html","title":{"rendered":"Quy tr\u00ecnh \u0111\u1ed5i ng\u00e2n h\u00e0ng khi d\u00f9ng c\u1ed5ng thanh to\u00e1n: C\u1ea7n chu\u1ea9n b\u1ecb g\u00ec?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 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-6acfe6233b87b\" 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-6acfe6233b87b\" 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-trinh-doi-ngan-hang-khi-dung-cong-thanh-toan-can-chuan-bi-gi.html\/#1_Khi_nao_doanh_nghiep_can_doi_ngan_hang_nhan_tien\" >1. Khi n\u00e0o doanh nghi\u1ec7p c\u1ea7n \u0111\u1ed5i ng\u00e2n h\u00e0ng nh\u1eadn ti\u1ec1n?<\/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-trinh-doi-ngan-hang-khi-dung-cong-thanh-toan-can-chuan-bi-gi.html\/#2_Can_chuan_bi_gi_truoc_khi_doi_ngan_hang_nhan_tien\" >2. C\u1ea7n chu\u1ea9n b\u1ecb g\u00ec tr\u01b0\u1edbc khi \u0111\u1ed5i ng\u00e2n h\u00e0ng nh\u1eadn ti\u1ec1n?<\/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-trinh-doi-ngan-hang-khi-dung-cong-thanh-toan-can-chuan-bi-gi.html\/#Thong_tin_tai_khoan_ngan_hang_moi\" >Th\u00f4ng tin t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng m\u1edbi<\/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-trinh-doi-ngan-hang-khi-dung-cong-thanh-toan-can-chuan-bi-gi.html\/#Ho_so_phap_ly_cua_doanh_nghiep\" >H\u1ed3 s\u01a1 ph\u00e1p l\u00fd c\u1ee7a doanh nghi\u1ec7p<\/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\/quy-trinh-doi-ngan-hang-khi-dung-cong-thanh-toan-can-chuan-bi-gi.html\/#Van_ban_de_nghi_thay_doi\" >V\u0103n b\u1ea3n \u0111\u1ec1 ngh\u1ecb thay \u0111\u1ed5i<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/vtcpay.vn\/blog\/quy-trinh-doi-ngan-hang-khi-dung-cong-thanh-toan-can-chuan-bi-gi.html\/#3_Quy_trinh_doi_ngan_hang_nhan_tien_qua_cong_thanh_toan\" >3. Quy tr\u00ecnh \u0111\u1ed5i ng\u00e2n h\u00e0ng nh\u1eadn ti\u1ec1n qua c\u1ed5ng thanh to\u00e1n<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/vtcpay.vn\/blog\/quy-trinh-doi-ngan-hang-khi-dung-cong-thanh-toan-can-chuan-bi-gi.html\/#Buoc_1_Lien_he_nha_cung_cap_cong_thanh_toan\" >B\u01b0\u1edbc 1: Li\u00ean h\u1ec7 nh\u00e0 cung c\u1ea5p c\u1ed5ng thanh to\u00e1n<\/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-trinh-doi-ngan-hang-khi-dung-cong-thanh-toan-can-chuan-bi-gi.html\/#Buoc_2_Chuan_bi_va_gui_ho_so\" >B\u01b0\u1edbc 2: Chu\u1ea9n b\u1ecb v\u00e0 g\u1eedi h\u1ed3 s\u01a1<\/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\/quy-trinh-doi-ngan-hang-khi-dung-cong-thanh-toan-can-chuan-bi-gi.html\/#Buoc_3_Xac_minh_thong_tin_tai_khoan_moi\" >B\u01b0\u1edbc 3: X\u00e1c minh th\u00f4ng tin t\u00e0i kho\u1ea3n m\u1edbi<\/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\/quy-trinh-doi-ngan-hang-khi-dung-cong-thanh-toan-can-chuan-bi-gi.html\/#Buoc_4_Xac_nhan_thoi_diem_thay_doi_co_hieu_luc\" >B\u01b0\u1edbc 4: X\u00e1c nh\u1eadn th\u1eddi \u0111i\u1ec3m thay \u0111\u1ed5i c\u00f3 hi\u1ec7u l\u1ef1c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/vtcpay.vn\/blog\/quy-trinh-doi-ngan-hang-khi-dung-cong-thanh-toan-can-chuan-bi-gi.html\/#Buoc_5_Kiem_tra_va_doi_soat_sau_khi_thay_doi\" >B\u01b0\u1edbc 5: Ki\u1ec3m tra v\u00e0 \u0111\u1ed1i so\u00e1t sau khi thay \u0111\u1ed5i<\/a><\/li><\/ul><\/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\/quy-trinh-doi-ngan-hang-khi-dung-cong-thanh-toan-can-chuan-bi-gi.html\/#4_Nhung_luu_y_de_tranh_gian_doan_nhan_tien\" >4. Nh\u1eefng l\u01b0u \u00fd \u0111\u1ec3 tr\u00e1nh gi\u00e1n \u0111o\u1ea1n nh\u1eadn ti\u1ec1n<\/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\/quy-trinh-doi-ngan-hang-khi-dung-cong-thanh-toan-can-chuan-bi-gi.html\/#5_VTC_Pay_dong_hanh_cung_doanh_nghiep_trong_van_hanh_thanh_toan\" >5. VTC Pay \u0111\u1ed3ng h\u00e0nh c\u00f9ng doanh nghi\u1ec7p trong v\u1eadn h\u00e0nh thanh to\u00e1n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/vtcpay.vn\/blog\/quy-trinh-doi-ngan-hang-khi-dung-cong-thanh-toan-can-chuan-bi-gi.html\/#Ket_luan\" >K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<p data-pm-slice=\"1 1 []\">Quy tr\u00ecnh \u0111\u1ed5i ng\u00e2n h\u00e0ng nh\u1eadn ti\u1ec1n khi d\u00f9ng c\u1ed5ng thanh to\u00e1n c\u1ea7n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u00fang c\u00e1ch \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng nh\u1eadn ti\u1ec1n v\u00e0 \u0111\u1ed1i so\u00e1t. Doanh nghi\u1ec7p c\u1ea7n chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1, c\u1eadp nh\u1eadt th\u00f4ng tin v\u00e0 x\u00e1c nh\u1eadn y\u00eau c\u1ea7u v\u1edbi nh\u00e0 cung c\u1ea5p. V\u1eady c\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng g\u00ec \u0111\u1ec3 qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i di\u1ec5n ra thu\u1eadn l\u1ee3i?<\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_Khi_nao_doanh_nghiep_can_doi_ngan_hang_nhan_tien\"><\/span><strong>1. Khi n\u00e0o doanh nghi\u1ec7p c\u1ea7n \u0111\u1ed5i ng\u00e2n h\u00e0ng nh\u1eadn ti\u1ec1n?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>T\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng nh\u1eadn ti\u1ec1n \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong ho\u1ea1t \u0111\u1ed9ng thanh to\u00e1n tr\u1ef1c tuy\u1ebfn. \u0110\u00e2y l\u00e0 n\u01a1i doanh nghi\u1ec7p nh\u1eadn ti\u1ec1n t\u1eeb c\u00e1c giao d\u1ecbch theo quy tr\u00ecnh \u0111\u00e3 th\u1ecfa thu\u1eadn.<\/p>\n<p>Doanh nghi\u1ec7p c\u00f3 th\u1ec3 c\u1ea7n thay \u0111\u1ed5i t\u00e0i kho\u1ea3n trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p sau:<\/p>\n<ul data-spread=\"false\">\n<li>Chuy\u1ec3n sang ng\u00e2n h\u00e0ng kh\u00e1c \u0111\u1ec3 qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n.<\/li>\n<li>Thay \u0111\u1ed5i t\u00e0i kho\u1ea3n giao d\u1ecbch c\u1ee7a doanh nghi\u1ec7p.<\/li>\n<li>\u0110i\u1ec1u ch\u1ec9nh quy tr\u00ecnh qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh v\u00e0 k\u1ebf to\u00e1n.<\/li>\n<li>T\u00e0i kho\u1ea3n hi\u1ec7n t\u1ea1i kh\u00f4ng c\u00f2n ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u.<\/li>\n<li>C\u1eadp nh\u1eadt th\u00f4ng tin theo y\u00eau c\u1ea7u qu\u1ea3n l\u00fd n\u1ed9i b\u1ed9.<\/li>\n<\/ul>\n<p>D\u00f9 xu\u1ea5t ph\u00e1t t\u1eeb l\u00fd do n\u00e0o, doanh nghi\u1ec7p c\u0169ng c\u1ea7n th\u00f4ng b\u00e1o cho nh\u00e0 cung c\u1ea5p c\u1ed5ng thanh to\u00e1n. \u0110\u1ed3ng th\u1eddi x\u00e1c nh\u1eadn quy tr\u00ecnh tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n thay \u0111\u1ed5i.<\/p>\n<p><a href=\"https:\/\/www.facebook.com\/share\/p\/1Fn3wAiSVC\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-44860\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/10\/U-SEO-2.png\" alt=\"\" width=\"650\" height=\"340\" srcset=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/10\/U-SEO-2.png 650w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/10\/U-SEO-2-300x157.png 300w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_Can_chuan_bi_gi_truoc_khi_doi_ngan_hang_nhan_tien\"><\/span><strong>2. C\u1ea7n chu\u1ea9n b\u1ecb g\u00ec tr\u01b0\u1edbc khi \u0111\u1ed5i ng\u00e2n h\u00e0ng nh\u1eadn ti\u1ec1n?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Tr\u01b0\u1edbc khi g\u1eedi y\u00eau c\u1ea7u, doanh nghi\u1ec7p n\u00ean ki\u1ec3m tra c\u00e1c th\u00f4ng tin li\u00ean quan. Vi\u1ec7c chu\u1ea9n b\u1ecb \u0111\u1ea7y \u0111\u1ee7 gi\u00fap h\u1ea1n ch\u1ebf sai s\u00f3t v\u00e0 tr\u00e1nh b\u1ed5 sung h\u1ed3 s\u01a1 nhi\u1ec1u l\u1ea7n.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Thong_tin_tai_khoan_ngan_hang_moi\"><\/span><strong>Th\u00f4ng tin t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng m\u1edbi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Doanh nghi\u1ec7p c\u1ea7n chu\u1ea9n b\u1ecb th\u00f4ng tin t\u00e0i kho\u1ea3n d\u1ef1 ki\u1ebfn d\u00f9ng \u0111\u1ec3 nh\u1eadn ti\u1ec1n, bao g\u1ed3m:<\/p>\n<ul data-spread=\"false\">\n<li>T\u00ean ng\u00e2n h\u00e0ng.<\/li>\n<li>S\u1ed1 t\u00e0i kho\u1ea3n.<\/li>\n<li>T\u00ean ch\u1ee7 t\u00e0i kho\u1ea3n.<\/li>\n<li>Chi nh\u00e1nh ng\u00e2n h\u00e0ng n\u1ebfu \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u.<\/li>\n<\/ul>\n<p>C\u00e1c th\u00f4ng tin n\u00e0y c\u1ea7n ch\u00ednh x\u00e1c v\u00e0 th\u1ed1ng nh\u1ea5t v\u1edbi h\u1ed3 s\u01a1 \u0111\u0103ng k\u00fd. \u0110\u1eb7c bi\u1ec7t, t\u00ean ch\u1ee7 t\u00e0i kho\u1ea3n ph\u1ea3i \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u c\u1ee7a nh\u00e0 cung c\u1ea5p.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Ho_so_phap_ly_cua_doanh_nghiep\"><\/span><strong>H\u1ed3 s\u01a1 ph\u00e1p l\u00fd c\u1ee7a doanh nghi\u1ec7p<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>T\u00f9y quy \u0111\u1ecbnh, nh\u00e0 cung c\u1ea5p c\u00f3 th\u1ec3 y\u00eau c\u1ea7u gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111\u0103ng k\u00fd doanh nghi\u1ec7p. M\u1ed9t s\u1ed1 gi\u1ea5y t\u1edd x\u00e1c minh ph\u00e1p nh\u00e2n kh\u00e1c c\u0169ng c\u00f3 th\u1ec3 c\u1ea7n thi\u1ebft.<\/p>\n<p>N\u1ebfu th\u00f4ng tin doanh nghi\u1ec7p \u0111\u00e3 thay \u0111\u1ed5i, h\u00e3y ki\u1ec3m tra y\u00eau c\u1ea7u c\u1eadp nh\u1eadt h\u1ed3 s\u01a1. \u0110i\u1ec1u n\u00e0y gi\u00fap qu\u00e1 tr\u00ecnh x\u00e1c minh di\u1ec5n ra thu\u1eadn l\u1ee3i h\u01a1n.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Van_ban_de_nghi_thay_doi\"><\/span><strong>V\u0103n b\u1ea3n \u0111\u1ec1 ngh\u1ecb thay \u0111\u1ed5i<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>M\u1ed9t s\u1ed1 nh\u00e0 cung c\u1ea5p y\u00eau c\u1ea7u doanh nghi\u1ec7p g\u1eedi v\u0103n b\u1ea3n \u0111\u1ec1 ngh\u1ecb theo bi\u1ec3u m\u1eabu ri\u00eang.<\/p>\n<p>V\u0103n b\u1ea3n th\u01b0\u1eddng bao g\u1ed3m th\u00f4ng tin doanh nghi\u1ec7p, t\u00e0i kho\u1ea3n hi\u1ec7n t\u1ea1i v\u00e0 t\u00e0i kho\u1ea3n m\u1edbi. Ngo\u00e0i ra, doanh nghi\u1ec7p c\u00f3 th\u1ec3 c\u1ea7n n\u00eau l\u00fd do thay \u0111\u1ed5i. Th\u00f4ng tin ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n ho\u1eb7c ng\u01b0\u1eddi \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u.<\/p>\n<p><strong>L\u01b0u \u00fd:<\/strong> H\u1ed3 s\u01a1 c\u1ee5 th\u1ec3 ph\u1ee5 thu\u1ed9c v\u00e0o quy \u0111\u1ecbnh c\u1ee7a t\u1eebng nh\u00e0 cung c\u1ea5p. Doanh nghi\u1ec7p n\u00ean x\u00e1c nh\u1eadn danh s\u00e1ch gi\u1ea5y t\u1edd tr\u01b0\u1edbc khi g\u1eedi y\u00eau c\u1ea7u.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Quy_trinh_doi_ngan_hang_nhan_tien_qua_cong_thanh_toan\"><\/span><strong>3. Quy tr\u00ecnh \u0111\u1ed5i ng\u00e2n h\u00e0ng nh\u1eadn ti\u1ec1n qua c\u1ed5ng thanh to\u00e1n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Quy tr\u00ecnh th\u1ef1c t\u1ebf c\u00f3 th\u1ec3 kh\u00e1c nhau gi\u1eefa c\u00e1c nh\u00e0 cung c\u1ea5p. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng b\u01b0\u1edbc doanh nghi\u1ec7p th\u01b0\u1eddng c\u1ea7n th\u1ef1c hi\u1ec7n.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Buoc_1_Lien_he_nha_cung_cap_cong_thanh_toan\"><\/span><strong>B\u01b0\u1edbc 1: Li\u00ean h\u1ec7 nh\u00e0 cung c\u1ea5p c\u1ed5ng thanh to\u00e1n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Tr\u01b0\u1edbc ti\u00ean, doanh nghi\u1ec7p c\u1ea7n th\u00f4ng b\u00e1o nhu c\u1ea7u thay \u0111\u1ed5i t\u00e0i kho\u1ea3n nh\u1eadn ti\u1ec1n. H\u00e3y s\u1eed d\u1ee5ng k\u00eanh h\u1ed7 tr\u1ee3 ch\u00ednh th\u1ee9c c\u1ee7a nh\u00e0 cung c\u1ea5p.<\/p>\n<p>\u1ede b\u01b0\u1edbc n\u00e0y, doanh nghi\u1ec7p c\u1ea7n h\u1ecfi r\u00f5 v\u1ec1 h\u1ed3 s\u01a1 v\u00e0 bi\u1ec3u m\u1eabu. \u0110\u1ed3ng th\u1eddi, h\u00e3y x\u00e1c nh\u1eadn th\u1eddi gian x\u1eed l\u00fd d\u1ef1 ki\u1ebfn. Th\u1eddi \u0111i\u1ec3m t\u00e0i kho\u1ea3n m\u1edbi c\u00f3 hi\u1ec7u l\u1ef1c c\u0169ng c\u1ea7n \u0111\u01b0\u1ee3c l\u00e0m r\u00f5.<\/p>\n<p>Vi\u1ec7c x\u00e1c nh\u1eadn tr\u01b0\u1edbc gi\u00fap doanh nghi\u1ec7p ch\u1ee7 \u0111\u1ed9ng k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh. \u0110i\u1ec1u n\u00e0y c\u0169ng h\u1ea1n ch\u1ebf sai s\u00f3t trong qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Buoc_2_Chuan_bi_va_gui_ho_so\"><\/span><strong>B\u01b0\u1edbc 2: Chu\u1ea9n b\u1ecb v\u00e0 g\u1eedi h\u1ed3 s\u01a1<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sau khi nh\u1eadn h\u01b0\u1edbng d\u1eabn, doanh nghi\u1ec7p ti\u1ebfn h\u00e0nh ho\u00e0n thi\u1ec7n gi\u1ea5y t\u1edd. H\u00e3y ki\u1ec3m tra k\u1ef9 s\u1ed1 t\u00e0i kho\u1ea3n v\u00e0 t\u00ean ch\u1ee7 t\u00e0i kho\u1ea3n tr\u01b0\u1edbc khi g\u1eedi.<\/p>\n<p>Th\u00f4ng tin ph\u00e1p nh\u00e2n c\u0169ng c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1ed1i chi\u1ebfu v\u1edbi h\u1ed3 s\u01a1 hi\u1ec7n c\u00f3. N\u1ebfu ng\u01b0\u1eddi \u0111\u01b0\u1ee3c \u1ee7y quy\u1ec1n th\u1ef1c hi\u1ec7n th\u1ee7 t\u1ee5c, h\u00e3y chu\u1ea9n b\u1ecb gi\u1ea5y t\u1edd li\u00ean quan theo y\u00eau c\u1ea7u.<\/p>\n<p>Doanh nghi\u1ec7p n\u00ean l\u01b0u l\u1ea1i th\u00f4ng tin ti\u1ebfp nh\u1eadn h\u1ed3 s\u01a1. \u0110\u00e2y l\u00e0 c\u0103n c\u1ee9 \u0111\u1ec3 theo d\u00f5i ti\u1ebfn \u0111\u1ed9 x\u1eed l\u00fd khi c\u1ea7n thi\u1ebft.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Buoc_3_Xac_minh_thong_tin_tai_khoan_moi\"><\/span><strong>B\u01b0\u1edbc 3: X\u00e1c minh th\u00f4ng tin t\u00e0i kho\u1ea3n m\u1edbi<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Nh\u00e0 cung c\u1ea5p s\u1ebd ki\u1ec3m tra th\u00f4ng tin theo quy tr\u00ecnh \u00e1p d\u1ee5ng. Vi\u1ec7c x\u00e1c minh gi\u00fap \u0111\u1ea3m b\u1ea3o t\u00e0i kho\u1ea3n m\u1edbi \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n c\u1ea7n thi\u1ebft.<\/p>\n<p>N\u1ebfu h\u1ed3 s\u01a1 thi\u1ebfu ho\u1eb7c th\u00f4ng tin ch\u01b0a th\u1ed1ng nh\u1ea5t, doanh nghi\u1ec7p c\u00f3 th\u1ec3 ph\u1ea3i b\u1ed5 sung gi\u1ea5y t\u1edd. V\u00ec v\u1eady, h\u00e3y ph\u1ea3n h\u1ed3i k\u1ecbp th\u1eddi khi nh\u1eadn \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u. \u0110i\u1ec1u n\u00e0y gi\u00fap h\u1ea1n ch\u1ebf vi\u1ec7c k\u00e9o d\u00e0i th\u1eddi gian x\u1eed l\u00fd.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Buoc_4_Xac_nhan_thoi_diem_thay_doi_co_hieu_luc\"><\/span><strong>B\u01b0\u1edbc 4: X\u00e1c nh\u1eadn th\u1eddi \u0111i\u1ec3m thay \u0111\u1ed5i c\u00f3 hi\u1ec7u l\u1ef1c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Sau khi h\u1ed3 s\u01a1 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn, doanh nghi\u1ec7p c\u1ea7n x\u00e1c nh\u1eadn th\u1eddi \u0111i\u1ec3m \u00e1p d\u1ee5ng t\u00e0i kho\u1ea3n m\u1edbi.<\/p>\n<p>\u0110\u1ed3ng th\u1eddi, h\u00e3y h\u1ecfi r\u00f5 c\u00e1ch x\u1eed l\u00fd c\u00e1c giao d\u1ecbch \u0111\u00e3 ph\u00e1t sinh. Nh\u1eefng kho\u1ea3n ti\u1ec1n \u0111ang ch\u1edd x\u1eed l\u00fd ho\u1eb7c ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u1ed1i so\u00e1t c\u0169ng c\u1ea7n \u0111\u01b0\u1ee3c l\u00e0m r\u00f5.<\/p>\n<p>Doanh nghi\u1ec7p kh\u00f4ng n\u00ean m\u1eb7c \u0111\u1ecbnh m\u1ecdi kho\u1ea3n ti\u1ec1n s\u1ebd chuy\u1ec3n sang t\u00e0i kho\u1ea3n m\u1edbi ngay sau khi g\u1eedi y\u00eau c\u1ea7u. C\u1ea7n ch\u1edd x\u00e1c nh\u1eadn ch\u00ednh th\u1ee9c t\u1eeb nh\u00e0 cung c\u1ea5p.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Buoc_5_Kiem_tra_va_doi_soat_sau_khi_thay_doi\"><\/span><strong>B\u01b0\u1edbc 5: Ki\u1ec3m tra v\u00e0 \u0111\u1ed1i so\u00e1t sau khi thay \u0111\u1ed5i<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Khi t\u00e0i kho\u1ea3n m\u1edbi c\u00f3 hi\u1ec7u l\u1ef1c, doanh nghi\u1ec7p n\u00ean theo d\u00f5i c\u00e1c \u0111\u1ee3t chuy\u1ec3n ti\u1ec1n ti\u1ebfp theo.<\/p>\n<p>H\u00e3y \u0111\u1ed1i chi\u1ebfu s\u1ed1 ti\u1ec1n nh\u1eadn \u0111\u01b0\u1ee3c v\u1edbi b\u00e1o c\u00e1o giao d\u1ecbch. \u0110\u1ed3ng th\u1eddi, ki\u1ec3m tra d\u1eef li\u1ec7u k\u1ebf to\u00e1n n\u1ed9i b\u1ed9 \u0111\u1ec3 ph\u00e1t hi\u1ec7n ch\u00eanh l\u1ec7ch.<\/p>\n<p>N\u1ebfu c\u00f3 kho\u1ea3n ti\u1ec1n ch\u01b0a \u0111\u01b0\u1ee3c ghi nh\u1eadn, doanh nghi\u1ec7p c\u1ea7n li\u00ean h\u1ec7 b\u1ed9 ph\u1eadn h\u1ed7 tr\u1ee3. Vi\u1ec7c ki\u1ec3m tra s\u1edbm gi\u00fap h\u1ea1n ch\u1ebf sai l\u1ec7ch trong qu\u00e1 tr\u00ecnh qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-44862\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/10\/Quy-trinh-thanh-toan-ngan-hang-5-buoc.png\" alt=\"\" width=\"1735\" height=\"906\" srcset=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/10\/Quy-trinh-thanh-toan-ngan-hang-5-buoc.png 1735w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/10\/Quy-trinh-thanh-toan-ngan-hang-5-buoc-300x157.png 300w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/10\/Quy-trinh-thanh-toan-ngan-hang-5-buoc-1024x535.png 1024w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/10\/Quy-trinh-thanh-toan-ngan-hang-5-buoc-768x401.png 768w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/10\/Quy-trinh-thanh-toan-ngan-hang-5-buoc-1536x802.png 1536w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/10\/Quy-trinh-thanh-toan-ngan-hang-5-buoc-696x363.png 696w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/10\/Quy-trinh-thanh-toan-ngan-hang-5-buoc-1068x558.png 1068w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/10\/Quy-trinh-thanh-toan-ngan-hang-5-buoc-804x420.png 804w\" sizes=\"(max-width: 1735px) 100vw, 1735px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"4_Nhung_luu_y_de_tranh_gian_doan_nhan_tien\"><\/span><strong>4. Nh\u1eefng l\u01b0u \u00fd \u0111\u1ec3 tr\u00e1nh gi\u00e1n \u0111o\u1ea1n nh\u1eadn ti\u1ec1n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Thay \u0111\u1ed5i ng\u00e2n h\u00e0ng nh\u1eadn ti\u1ec1n c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh. Doanh nghi\u1ec7p n\u00ean chu\u1ea9n b\u1ecb k\u1ef9 \u0111\u1ec3 h\u1ea1n ch\u1ebf r\u1ee7i ro.<\/p>\n<p><strong>L\u1ef1a ch\u1ecdn th\u1eddi \u0111i\u1ec3m ph\u00f9 h\u1ee3p:<\/strong> Tr\u00e1nh thay \u0111\u1ed5i v\u00e0o giai \u0111o\u1ea1n cao \u0111i\u1ec3m n\u1ebfu ch\u01b0a c\u00f3 k\u1ebf ho\u1ea1ch c\u1ee5 th\u1ec3. H\u00e3y x\u00e1c nh\u1eadn l\u1ecbch x\u1eed l\u00fd v\u1edbi nh\u00e0 cung c\u1ea5p.<\/p>\n<p><strong>Ki\u1ec3m tra c\u00e1c kho\u1ea3n ti\u1ec1n \u0111ang ch\u1edd \u0111\u1ed1i so\u00e1t:<\/strong> X\u00e1c \u0111\u1ecbnh c\u00e1ch x\u1eed l\u00fd giao d\u1ecbch ph\u00e1t sinh tr\u01b0\u1edbc ng\u00e0y thay \u0111\u1ed5i c\u00f3 hi\u1ec7u l\u1ef1c. \u0110i\u1ec1u n\u00e0y gi\u00fap vi\u1ec7c theo d\u00f5i d\u00f2ng ti\u1ec1n r\u00f5 r\u00e0ng h\u01a1n.<\/p>\n<p><strong>Ph\u00e2n c\u00f4ng \u0111\u1ea7u m\u1ed1i ph\u1ee5 tr\u00e1ch:<\/strong> B\u1ed9 ph\u1eadn t\u00e0i ch\u00ednh, k\u1ebf to\u00e1n v\u00e0 nh\u00e2n s\u1ef1 qu\u1ea3n l\u00fd c\u1ed5ng thanh to\u00e1n c\u1ea7n ph\u1ed1i h\u1ee3p ch\u1eb7t ch\u1ebd. C\u00e1c b\u00ean n\u00ean th\u1ed1ng nh\u1ea5t th\u00f4ng tin tr\u01b0\u1edbc khi c\u1eadp nh\u1eadt.<\/p>\n<p><strong>B\u1ea3o m\u1eadt th\u00f4ng tin t\u00e0i kho\u1ea3n:<\/strong> Ch\u1ec9 g\u1eedi h\u1ed3 s\u01a1 qua k\u00eanh ch\u00ednh th\u1ee9c. Kh\u00f4ng cung c\u1ea5p m\u1eadt kh\u1ea9u ho\u1eb7c m\u00e3 OTP cho ng\u01b0\u1eddi kh\u00f4ng c\u00f3 th\u1ea9m quy\u1ec1n.<\/p>\n<p><strong>L\u01b0u l\u1ea1i h\u1ed3 s\u01a1 x\u00e1c nh\u1eadn:<\/strong> Doanh nghi\u1ec7p n\u00ean l\u01b0u email v\u00e0 v\u0103n b\u1ea3n ch\u1ea5p thu\u1eadn. Nh\u1eefng th\u00f4ng tin n\u00e0y gi\u00fap thu\u1eadn ti\u1ec7n tra c\u1ee9u khi c\u1ea7n \u0111\u1ed1i so\u00e1t.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"5_VTC_Pay_dong_hanh_cung_doanh_nghiep_trong_van_hanh_thanh_toan\"><\/span><strong>5. VTC Pay \u0111\u1ed3ng h\u00e0nh c\u00f9ng doanh nghi\u1ec7p trong v\u1eadn h\u00e0nh thanh to\u00e1n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Doanh nghi\u1ec7p c\u1ea7n qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd th\u00f4ng tin t\u00e0i kho\u1ea3n nh\u1eadn ti\u1ec1n khi s\u1eed d\u1ee5ng c\u1ed5ng thanh to\u00e1n. Quy tr\u00ecnh \u0111\u1ed1i so\u00e1t c\u0169ng c\u1ea7n \u0111\u01b0\u1ee3c duy tr\u00ec nh\u1ea5t qu\u00e1n.<\/p>\n<p>VTC Pay cung c\u1ea5p gi\u1ea3i ph\u00e1p thanh to\u00e1n tr\u1ef1c tuy\u1ebfn cho doanh nghi\u1ec7p. Khi mu\u1ed1n thay \u0111\u1ed5i t\u00e0i kho\u1ea3n nh\u1eadn ti\u1ec1n, doanh nghi\u1ec7p n\u00ean li\u00ean h\u1ec7 k\u00eanh h\u1ed7 tr\u1ee3 ch\u00ednh th\u1ee9c c\u1ee7a VTC Pay.<\/p>\n<p>Qua \u0111\u00f3, doanh nghi\u1ec7p c\u00f3 th\u1ec3 x\u00e1c nh\u1eadn h\u1ed3 s\u01a1 c\u1ea7n thi\u1ebft v\u00e0 quy tr\u00ecnh \u00e1p d\u1ee5ng. Th\u1eddi gian x\u1eed l\u00fd c\u0169ng c\u1ea7n \u0111\u01b0\u1ee3c x\u00e1c nh\u1eadn theo t\u1eebng tr\u01b0\u1eddng h\u1ee3p c\u1ee5 th\u1ec3.<\/p>\n<p><strong><a href=\"https:\/\/vtcpay.vn\/gioi-thieu-cong-thanh-toan\">\u0110\u0103ng k\u00fd t\u01b0 v\u1ea5n VTC Pay<\/a><\/strong> \u0111\u1ec3 t\u00ecm hi\u1ec3u gi\u1ea3i ph\u00e1p thanh to\u00e1n ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u v\u1eadn h\u00e0nh.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-44859\" src=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/10\/U-SEO-38.png\" alt=\"\" width=\"650\" height=\"340\" srcset=\"https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/10\/U-SEO-38.png 650w, https:\/\/vtcpay.vn\/blog\/wp-content\/uploads\/2026\/10\/U-SEO-38-300x157.png 300w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span><strong>K\u1ebft lu\u1eadn<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Quy tr\u00ecnh \u0111\u1ed5i ng\u00e2n h\u00e0ng nh\u1eadn ti\u1ec1n khi d\u00f9ng c\u1ed5ng thanh to\u00e1n g\u1ed3m c\u00e1c b\u01b0\u1edbc chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1, x\u00e1c minh th\u00f4ng tin v\u00e0 ki\u1ec3m tra giao d\u1ecbch sau thay \u0111\u1ed5i.<\/p>\n<p>Doanh nghi\u1ec7p n\u00ean x\u00e1c nh\u1eadn y\u00eau c\u1ea7u v\u1edbi nh\u00e0 cung c\u1ea5p tr\u01b0\u1edbc khi th\u1ef1c hi\u1ec7n. \u0110\u1ed3ng th\u1eddi, c\u1ea7n l\u00e0m r\u00f5 th\u1eddi \u0111i\u1ec3m \u00e1p d\u1ee5ng v\u00e0 c\u00e1c kho\u1ea3n ti\u1ec1n \u0111ang ch\u1edd \u0111\u1ed1i so\u00e1t.<\/p>\n<p>Chu\u1ea9n b\u1ecb \u0111\u1ea7y \u0111\u1ee7 gi\u00fap qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i thu\u1eadn l\u1ee3i h\u01a1n. \u0110\u00e2y c\u0169ng l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 doanh nghi\u1ec7p qu\u1ea3n l\u00fd d\u00f2ng ti\u1ec1n hi\u1ec7u qu\u1ea3.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quy tr\u00ecnh \u0111\u1ed5i ng\u00e2n h\u00e0ng nh\u1eadn ti\u1ec1n khi d\u00f9ng c\u1ed5ng thanh to\u00e1n c\u1ea7n \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u00fang c\u00e1ch \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ho\u1ea1t \u0111\u1ed9ng nh\u1eadn ti\u1ec1n v\u00e0 \u0111\u1ed1i so\u00e1t. Doanh nghi\u1ec7p c\u1ea7n chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1, c\u1eadp nh\u1eadt th\u00f4ng tin v\u00e0 x\u00e1c nh\u1eadn y\u00eau c\u1ea7u v\u1edbi nh\u00e0 cung c\u1ea5p. V\u1eady c\u1ea7n chu\u1ea9n b\u1ecb nh\u1eefng g\u00ec \u0111\u1ec3 [&hellip;]<\/p>\n","protected":false},"author":31,"featured_media":44861,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[190,281],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Quy tr\u00ecnh \u0111\u1ed5i ng\u00e2n h\u00e0ng khi d\u00f9ng c\u1ed5ng thanh to\u00e1n: C\u1ea7n chu\u1ea9n b\u1ecb g\u00ec?<\/title>\n<meta name=\"description\" content=\"Quy tr\u00ecnh \u0111\u1ed5i ng\u00e2n h\u00e0ng nh\u1eadn ti\u1ec1n khi d\u00f9ng c\u1ed5ng thanh to\u00e1n: h\u1ed3 s\u01a1 c\u1ea7n chu\u1ea9n b\u1ecb, c\u00e1c b\u01b0\u1edbc th\u1ef1c hi\u1ec7n v\u00e0 l\u01b0u \u00fd \u0111\u1ec3 tr\u00e1nh gi\u00e1n \u0111o\u1ea1n \u0111\u1ed1i so\u00e1t.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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