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越南18家支付平**整名單

作者：行走在東南亞

A complete list of the 18 payment players in Vietnam

在越南支付平臺(tái)的競(jìng)爭(zhēng)者有很多，但是他們都受到銀行的限制，有的沒有準(zhǔn)備好，另外一些并不支持。電信**對(duì)他們態(tài)度謹(jǐn)慎。消費(fèi)者人群對(duì)于信用卡的接受度還比較低。但這并不能阻止從內(nèi)容貨幣化，到網(wǎng)站方面，各種形式的創(chuàng)業(yè)公司嘗試出現(xiàn)。

We recently covered 10 online payment platforms in Southeast Asia and I figured I’d follow up with a closer look at Vietnam’s landscape. In Vietnam’s space, there are plenty of compe**s, but they’ve been limited by banks that are not ready nor supportive, telcos that are still archaic, and a consumer base that has still not adopted credit cards. Nevertheless, this hasn’t stopped several startups from finding all sorts of ways to monetize content and websites.

以下是越南支付空間的 18 個(gè)主要玩家。這個(gè)名單從傳統(tǒng)的在線支付平臺(tái)，到另一些把數(shù)字內(nèi)容貨幣化的非常規(guī)的支付平臺(tái)。

Below are 18 of the players in the payment space in Vietnam. The list covers traditional online payment platforms, along with some players which, while not exactly “payment platforms,” support monetary transactions in some form or another.

你將第一看到一些更加傳統(tǒng)化的在線支付平臺(tái)，第二我會(huì)列出一些并不完全是支付平臺(tái)的名單，但是這些公司同樣在對(duì)消費(fèi)者在某些特定細(xì)分領(lǐng)域做支付。最終我小編綜合來說的全景圖將是足夠全面。

You’ll see the first list of more traditional online payment platforms, and then you’ll see that I listed some players who are not exactly payment platforms, but do support making transactions to consumers in certain niches. This is no doubt the result of the landscape that I’ve summarized above.

這是個(gè)龐大的名單。所以我可以提前劇透一下這里面最大的幾家：**artLink, NganLuong, Mobivi, OnePay, BaoKim, 123Pay。但是在這個(gè)非常復(fù)雜的生態(tài)圖景中，誰(shuí)會(huì)是最后的贏家，只能讓時(shí)間來證明。

It’s a big list, so I’ll tell you right now, some of the most significant players include **artLink, NganLuong, Mobivi, OnePay, BaoKim, and 123Pay. But time will tell who will be the real winner in this very complex landscape.

由于時(shí)間倉(cāng)促我也可能有疏漏，再次見諒。

If you think there are any players that I missed, don’t hesitate to contact us or comment below and we will add them right away.

1、Mobivi

Mobivi 由一個(gè)擁有數(shù)百萬(wàn)美元資產(chǎn)的越南裔美國(guó)人始創(chuàng)。是越南在線支付平臺(tái)當(dāng)中最響亮的名字之一。據(jù)坊間傳言通過該平臺(tái)運(yùn)送的現(xiàn)金流達(dá)到 3000 萬(wàn)美元。該平臺(tái)長(zhǎng)期試驗(yàn)不同的支付模型，比如為非營(yíng)利組織免費(fèi)進(jìn)行移動(dòng)捐獻(xiàn)，還有通過手機(jī)直接讀取在線的信用卡賬單。除了這些試驗(yàn)之外，該平臺(tái)是否聚焦了成為一個(gè)主要玩家所需的一切要素，還不明朗。

Founded by a Vietnamese-American multi-millionaire, Mobivi is one of the biggest names in the Vietnamese payment space, though mainly because of how much money it is carrying, rumored to be over $30 million. Mobivi has long been experimenting with various payment models such as free mobile transactions for non-profit donations, and is now working on online credit card benefits packages for large scale companies. It also allows users to top up their mobile phones straight from their online credit dashboard. Despite its experimentation, it is still not clear yet if Mobivi has generated the traction it needs to be a major player.

公司網(wǎng)址/company webstite:https://www.mobivi.vn

2、NganLuong (來自 PeaceSoft)

該平臺(tái)已經(jīng)從事了移動(dòng)和在線支付業(yè)務(wù)很長(zhǎng)一段時(shí)間。該公司是從其母公司 PeaceSoft 的 Ebay.vn 和 Chodientu.vn 等一大群企業(yè)當(dāng)中脫穎而出的。一家區(qū)域性的支付公司 MOL 占有該公司 50% 的股權(quán)，這筆交易在今年早些時(shí)候完成。他們的服務(wù)受到多重因素的保護(hù)，不僅是一個(gè)電子錢包，而且是 Paypal 類型的支付平臺(tái)。

NganLuong has been in the business of mobile and online payments for a long time. It leverages off of its own portfolio of companies at PeaceSoft, which includes Ebay.vn and Chodientu.vn. MOL, a regional player in payment, took a 50 percent stake in NganLuong earlier this year. The service is multi-faceted, as it’s not only an e-wallet but also a transaction platform like PayPal.

其母公司為越南電商ChoDienTu.vn, NganLuong目前已成為越南主要的在線支付平臺(tái)，擁有超過10，000家電商商戶和500，000個(gè)激活賬戶，占據(jù)27%的市場(chǎng)份額。NganLuong可以支持越南90%的銀行賬戶和銀行卡，電子錢包；支持刮刮卡(Vinaphone, MobiFone, Viettel, Gate)；支持Visa，Mastercard、JCB、mol、paypal等渠道。

Its parent company is ChoDienTu.vn, a Vietnamese e-commerce company. NganLuong has become Vietnam's main online payment platform, with more than 10,000 home appliance merchants and 500,000 activation accounts, accounting for 27% of the market. NganLuong can support 90% of bank accounts and bank cards in Vietnam, e-wallets; support scratch cards (Vinaphone, MobiFone, Viettel, Gate); support Visa, Mastercard, JCB, mol, paypal and other channels.

支付特點(diǎn)：1.實(shí)時(shí)到賬；2.無(wú)拒付；3.支持線上線下付款。

Payment characteristics: 1. Real-time arrival; 2. No chargeback; 3. Support online and offline payment

公司網(wǎng)址/company webstite:https://www.nganluong.vn/vn/home.html

3、Rev Vietnam

在越南居住的絕大多數(shù)人可能沒有聽過這家公司，主要是因?yàn)槠渖形传@得重大的發(fā)展。去年該公司就邁出了重要一步。他們嘗試將臨時(shí)信用卡推向市場(chǎng)。這些信用卡可以用 20 美元到 100 美元的價(jià)值買到。遺憾的是這個(gè)虛擬信用卡服務(wù)沒有獲得預(yù)期的營(yíng)收，最終關(guān)閉了。在那以后，該公司嘗試像 Square 一樣，在任何智能手機(jī)上進(jìn)行移動(dòng)支付的平臺(tái)搭建。目前為止這同樣沒有獲得明顯的營(yíng)收。主要是因?yàn)檫M(jìn)入該服務(wù)的門檻非常高，想要讓習(xí)慣現(xiàn)金的商戶們轉(zhuǎn)而接受信用卡不是很容易。

Most people in Vietnam probably haven’t heard of this company, mainly because it hasn’t caught its big break yet. Last year Rev Vietnam made a bold move when it attempted to push temporary credit cards into the market. These cards could be bought for $20 to $100 and used like a normal credit card online. Unfortunately, the service didn’t gain any traction and was shuttered. Since then Rev Vietnam has focused on creating a Square-like dongle that hooks into any **artphone. This also has not gained traction, likely due to the significant barriers to entry – it’s difficult to convince merchants who already prefer cash to accept credit cards.

公司網(wǎng)址/company webstite:http://revinternetcard.com.vn

4、OnePay

OnePay 是萬(wàn)事達(dá)卡在越南的官方代表。也運(yùn)行包括賬單支付，在線轉(zhuǎn)賬，自動(dòng)柜員機(jī)，網(wǎng)絡(luò)銀行和手機(jī)銀行在內(nèi)的一系列服務(wù)。該服務(wù)同樣為越南通信銀行（Vietcombank）所支持。這家越南較大的銀行給了該公司非常多的幫助。

OnePay is the official representative for MasterCard for Vietnam and provides a host of services including bill payment, online transactions, ATM, internet banking, and **S banking. It’s also backed by Vietcombank, which gives it an even more significant a**antage – Vietcombank is Vietnam’s leading bank, after all.

公司網(wǎng)址/company webstite:https://www.onepay.vn

5、1Pay

請(qǐng)不要把這家移動(dòng)支付領(lǐng)域的新創(chuàng)業(yè)公司跟我們上面介紹的 OnePay 相混淆。先不要管這個(gè)糟糕的品牌，該公司是在上一家公司之后進(jìn)入同一個(gè)市場(chǎng)的。因?yàn)樗谝苿?dòng)領(lǐng)域的基礎(chǔ)建設(shè)比較薄弱，同時(shí)也有后進(jìn)入市場(chǎng)的更強(qiáng)大的競(jìng)爭(zhēng)者，它的競(jìng)爭(zhēng)力并不被人看好。盡管如此，他在最近的東盟創(chuàng)業(yè)公司展示 DEMO ASEAN 中依然獲得了二等獎(jiǎng)。

Not to be confused with OnePay, this new startup specializes in mobile payment. Aside from the horrible branding, it came to the market after OnePay, and it is not considered to be a company that has very much potential in Vietnam due to the lack of infrastructure in the mobile space and the existence of more evolved compe**s. That said, it did win the second prize at the recent DEMO ASEAN.

公司網(wǎng)址/company webstite:https://truemoney.com.vn

6、**artLink

像其競(jìng)爭(zhēng)者一樣，**artLink 是一系列支付服務(wù)的**，包括自動(dòng)柜員機(jī)，收銀機(jī)，支付**，電子商務(wù)支付，以及在此之上遍及全城的支付網(wǎng)絡(luò)。最近它與另一家公司 Mobivi 簽署了合約，允許人們利用近場(chǎng)支付技術(shù)刷卡購(gòu)買貨物，購(gòu)買過程通過它們的支付網(wǎng)絡(luò)進(jìn)行。

**artLink, like its compe**s, also has a suite of services for payment. This includes ATM, POS, payment gateways, e-commerce payment offerings, and on top of all that, it has payment kiosks throughout the city. Recently, **artLink inked a deal with Mobivi to allow people to top up their cards and pay for goods via its kiosks.

公司網(wǎng)址/company webstite:https://**artlink.com.vn/Home/

https://thebank.vn

7、SohaPay (來自 VCCorp)

這家公司由越南最大的在線媒體集團(tuán) VC Corp 所支持。該集團(tuán)像 VNG, Vat Gia, PeaceSoft 一樣，旗下運(yùn)行的系列服務(wù)品牌包括 Mua Chung, En B?c, Dan Tri, Mua re, Rong Bay 等。因此它同樣可以提升其內(nèi)容，讓用戶使用支付平臺(tái)。這是一個(gè)能夠接收所有主流自動(dòng)柜員機(jī)和越南的信用卡的電子錢包。

Started by one of Vietnam’s biggest online media companies, VC Corp. Vc Corp, like VNG, Vat Gia, and PeaceSoft, have a host of services including Mua Chung, En B?c, Dan Tri, Mua re, Rong Bay, and more. Therefore, it can also leverage its content to get users to use its payment platform. It’s an e-wallet that accepts all the main ATM and credit card methods in Vietnam.

公司網(wǎng)址/company webstite:https://sohapay.vn

8、BaoKim (來自 Vat Gia)

BaoKim 與上面所介紹過的類似。包括一個(gè)電子錢包，和類似 PayPal 的信用卡支付平臺(tái)。因?yàn)槠潆`屬于越南一家最大的電商網(wǎng)站 Vat Gia，其用戶基礎(chǔ)是毋庸置疑的。

BaoKim’s services are similar to those of NganLuong, including an e-wallet and PayPal-like credit card transactions. Since it’s under Vat Gia, one of Vietnam’s biggest e-commerce sites, it is able to leverage a huge userbase.

公司網(wǎng)址/company webstite:https://www.baokim.vn

9、MoMo (來自 Vinaphone)

這個(gè)服務(wù)是由越南一家最大的電信公司 Vinaphone 所支持。它允許該電信公司的客戶通過這個(gè)服務(wù)支付賬單和其他的金融業(yè)務(wù)。用戶使用服務(wù)的同一個(gè)項(xiàng)目，可以綁定該電話公司的一系列短信業(yè)務(wù)，同時(shí)激活此服務(wù)。這也會(huì)在用戶的手機(jī)卡中自動(dòng)創(chuàng)建一個(gè)電子錢包。

MoMo is a service created by Vinaphone, one of Vietnam’s biggest telcos. The service allows Vinaphone customers to pay for their bills and access financial services right from their mobile phone. Users can sign up for the services with a series of **S’s to the Vinaphone system, which will then activate the service. This will then create an e-wallet on top of the customer’s SIM account.

公司網(wǎng)址/company webstite:https://vinaphone.com.vn

10、Payoo

Payoo 是一個(gè)小一點(diǎn)的初創(chuàng)公司，并不如他的對(duì)手那般功能全面。目前他們只上線了一項(xiàng)功能 PayBill，允許用戶在其平臺(tái)上支付賬單，目前為止這家公司沒有獲得特別明顯的注意。

Payoo is a **aller startup, and not as far along as its compe**s. It only released PayBill, which is a service to allow consumers to pay for their bills on top of the Payoo platform. So far, Payoo has not gained significant traction.

公司網(wǎng)址/company webstite:https://www.payoo.com.vn

11、VinaPay

VinaPay 從三家主要的創(chuàng)業(yè)投資機(jī)構(gòu)當(dāng)中獲得了融資——Net-1（美國(guó)）、IDG 資本（美國(guó)）、MK 集團(tuán)（越南）。這家公司提供預(yù)付費(fèi)的分發(fā)服務(wù)，允許用戶在為其手機(jī)和游戲內(nèi)容進(jìn)行支付。公司始創(chuàng)于 2007 年，不過運(yùn)行至今尚未迎來比較大的增長(zhǎng)。

VinaPay, which got an investment from three main bodies including: Net-1 Technology Corporation (USA), IDG Ventures (USA), and MK Group (Vietnam). The company is a prepaid distribution that allows users to pay for mobile and gaming content. The company was established in 2007, and since that time hasn’t really taken off yet.

公司網(wǎng)址/company webstite:http://idgvv.com.vn/en/portfolio/vinapay

12、123Pay (來自 VNG)

科技大鱷 VNG 的作品，該市場(chǎng)的最新玩家。對(duì)于零售商戶來說，使用他們的服務(wù)相對(duì)也比較便宜。其母公司 VNG，最近謠傳可能要關(guān)閉他們的電商平臺(tái) 123mua.vn。但從最近的舉動(dòng)上來看，很有可能會(huì)將兩家主要電子商務(wù)平臺(tái)的用戶導(dǎo)入這個(gè)支付業(yè)務(wù)。該公司也是越南領(lǐng)先的游戲公司，正向其社交游戲競(jìng)爭(zhēng)對(duì)手 Zing 和 Zalo 一樣，這些游戲的用戶也將會(huì)有很大機(jī)會(huì)使用該支付業(yè)務(wù)。

A new player into the market from tech juggernaut VNG. It’s also one of the cheaper options for retailers. VNG, which recently was rumored about to shutter its e-commerce platform, 123mua.vn, has since bounced back. Obviously, it is able to leverage its two e-commerce platforms including 123mua.vn to get users on 123Pay. VNG is also the leading game company in Vietnam as well as social media company with Zing and Zalo. This allows VNG to leverage on its database to get users on its payment platform.

該公司也是越南領(lǐng)先的游戲公司，正向其社交游戲競(jìng)爭(zhēng)對(duì)手 Zing 和 Zalo 一樣，這些游戲的用戶也將會(huì)有很大機(jī)會(huì)使用該支付業(yè)務(wù)。類似**artLink，也是各種付款方式的集成平臺(tái)，支持國(guó)際信用卡以及當(dāng)?shù)劂y行卡，可提供電話充值、電視節(jié)目付費(fèi)、日常生活繳費(fèi)等服務(wù)。

The company is also a leading game company in Vietnam, and like its social gaming compe**s Zing and Zalo, users of these games will also have a great opportunity to use the payment service. Similar to **artLink, it is also an integrated platform for various payment methods, supporting international credit cards and local bank cards, providing services such as phone recharge, TV program payment, and daily payment.

公司網(wǎng)址/company webstite:https://123pay.vn/info/

13、2C2P (來自泰國(guó))

這家公司的原注冊(cè)地在泰國(guó)。因地制宜地采用了讓用戶在線訂購(gòu)，去本地的 7-11 零售店取貨的方式，獲得了泰國(guó)市場(chǎng)的支配地位，馬上就進(jìn)入了越南市場(chǎng)。當(dāng)用戶在 7-11 便利店付款之后，該便利店將會(huì)通知這家電子商務(wù)網(wǎng)站，他們會(huì)及時(shí)將物品送到用戶手中。創(chuàng)始人 Aung Kyaw Moe 描述說，這種消費(fèi)者和商戶的服務(wù)模式，是在當(dāng)本地市場(chǎng)接受信用卡大范圍到來之前的一種過渡形態(tài)。

This startup, which dominates Thailand with a payment platform that gets users to book an item online and then go to the local 7/11 to pay, is soon entering the Vietnamese market. After a user pays at 7/11, the 7/11 will ping the e-commerce site and they will then ship their items to the users. The founder, Aung Kyaw Moe, has stated that the 2C2P model is a transitionary model until the local market becomes more credit card friendly.

公司網(wǎng)址/company webstite:https://www.2c2p.com

14、Vietpay

Vietpay 始創(chuàng)于 2006 年，允許人們通過手機(jī)付款。這家公司可能讓你想起肯尼亞的另一家公司 mPesa，問題不僅是在于其傳輸費(fèi)用，而且還包括植入問題。同樣該公司沒有引起該領(lǐng)域的廣泛關(guān)注。他們與電信** Mobifone 的合作可能是其秘密武器之一；不過從 2006 年這個(gè)合作就已經(jīng)啟動(dòng)了。

Vietpay was started in 2006 and allows people to pay via SIM. This may remind you of mPesa in Kenya, but the problem is not only the transaction fee but also the implementation. As yet, Vietpay has not made significant traction in the space. To its credit, it is working with Mobifone, and that may be its secret sauce. But it’s been working at this since 2006.

公司網(wǎng)址/company webstite:http://m0.vietpay.vn/index.vp

15、Viettel, Mobifone, Vinaphone 等越南電信**

越南的電信**都是經(jīng)過越南**授權(quán)的不同分支運(yùn)行的。這導(dǎo)致越南移動(dòng)設(shè)備的覆蓋率非常廣泛，定價(jià)很便宜，但同時(shí)也讓越南移動(dòng)通信的發(fā)展比較滯后。截至目前，移動(dòng)交易是允許的，但是電信**從每筆電子交易當(dāng)中會(huì)抽成 30-50%，無(wú)論如何，這并沒有阻止一些公司的崛起。比如在線教育公司 Deltaviet。他們 90% 的銷售都是通過短信達(dá)成的。如果越南電信巨頭節(jié)省他們的手續(xù)費(fèi)用，這個(gè)市場(chǎng)將很快爆發(fā)性增長(zhǎng)。這項(xiàng)措施也對(duì)于列在這里的所有創(chuàng)業(yè)公司造成了重創(chuàng)。很不幸的是，上層管理機(jī)構(gòu)目前尚沒有放開手續(xù)費(fèi)的意愿。

Vietnam’s telcos are all run by various branches of the Vietnamese government. This has been the main cause for Vietnam’s coverage and pricing of mobile services to be so widespread and cheap but also has lead to Vietnamese mobile services being held back. Currently, mobile transactions are allowed, but the telcos take anywhere from 30 to 50 percent of each mobile transaction. But this has not stopped companies like Deltaviet, an online education company, from getting over 90 percent of its transactions via **S transaction. If the Vietnamese telcos lowered their cut, the market would explode. It would also cut deeply into all the startups listed here. Unfortunately, this has not been implemented by upper management yet.

公司網(wǎng)址/company webstite:

16、GiaoHangNhanh

有些人可能會(huì)批評(píng)我把 GiaoHangNhanh 加進(jìn)這個(gè)名單，無(wú)論如何，這是一家給電商的物流公司。但不僅如此，這是越南人現(xiàn)金支付文化的一個(gè)延伸。通過運(yùn)送和收集全國(guó)范圍內(nèi)的支付，允許從小到大的越南電商網(wǎng)站獲得支付信息。這個(gè)集物流與付款在一起的渠道，是名副其實(shí)的市場(chǎng)參與者。不同于 2c2p 通過便利店來擴(kuò)展他們的業(yè)務(wù)，該公司選用的是摩托車。

Some may criticize the addition of GiaoHangNhanh here. After all, it is a logistics company for e-commerce. Not only that, it’s an extension of Vietnam’s cash-on-delivery culture. Nevertheless, by delivering and collecting payment from e-commerce customers across the country and enabling **all and large e-commerce sites in Vietnam to collect payment, this is clearly a real player. Instead of leveraging 7/11’s (a business that has not yet entered Vietnam) like 2C2P, GiaoHangNhanh leverages motorbikes.

公司網(wǎng)址/company webstite:https://ghn.vn

17、Zship

Zship 是 GiaoHangNhanh 在電商領(lǐng)域的主要競(jìng)爭(zhēng)對(duì)手，主要專精于食品運(yùn)送。它也因?yàn)槎▋r(jià)比對(duì)方低一點(diǎn)點(diǎn)而廣為人知。這同樣是一個(gè)在運(yùn)輸過程當(dāng)中達(dá)成結(jié)算的在線商務(wù)平臺(tái)。

Zship is one of GiaoHangNhanh’s key compe**s in the e-commerece and especially food delivery space. It’s also known to be just a little cheaper. Again, this is about cash-on-delivery enabling online commerce.

公司網(wǎng)址/company webstite:http://zship.vn

18、VNG 的刮刮卡

在 VNG 發(fā)布了 123Pay 和 Zalo 兩項(xiàng)服務(wù)之前。公司已經(jīng)十分有錢，而且因其在**金山（應(yīng)該是騰訊或網(wǎng)易？）學(xué)起來的一個(gè)想法而廣為人知。該公司在全國(guó)范圍內(nèi)銷售用涂層覆蓋密碼的充值卡。這些卡片可以用來充值在線游戲。這是 VNG 公司自己建立起來的系統(tǒng)，不僅可以屏蔽電信**的手續(xù)費(fèi)，同樣也將用戶們鎖定在了他們的應(yīng)用或游戲內(nèi)付款的環(huán)節(jié)中。這種游戲卡美中不足是只能用在該公司自己的游戲和應(yīng)用生態(tài)系統(tǒng)中。

Long before VNG released 123Pay and Zalo, VNG got rich and famous off of an idea that it learned from Kingsoft in China. It sold scratchcards to internet shops across the country. These scratchcards were then used to pay for online purchases of games. This is a system that VNG built itself to not only avoid the transaction fees from telcos but also to lock users into their game environments. Today, the scratchcards are still in play, allowing users to buy online in-app or in-game purchases. The scratchcard system though, is not used outside of the VNG ecosystem of games and apps.

公司網(wǎng)址/company webstite:https://www.vng.com.vn

越南在線支付領(lǐng)域的綜述

就像你看到的一樣，在越南的在線支付平臺(tái)擴(kuò)展范圍非常廣泛。從非常小眾的在配送過程當(dāng)中付款的物流模型，到包羅萬(wàn)象涵蓋整個(gè)支付流程的全功能公司。盡管這些公司當(dāng)中很多都想到了獨(dú)特的想法來完成支付，他們當(dāng)中并沒有產(chǎn)生在美國(guó)如 Paypal 地位的公司。也沒有像 Venmo 一樣充滿希望的小玩家，能夠讓用戶始終在該平臺(tái)上保持粘性。

As you can see, there’s a wealth of payment platforms in Vietnam spanning from very niche cash-on-delivery logistics models all the way to companies that offer the entire spectrum of services. Although many of these companies have leveraged unique ideas to get payment, there is no clear leader that dominates like PayPal in the USA, and no promising **all players like Venmo, which get users to pay in new ways that are sticky.

拓展知識(shí)：

前沿拓展：

---

越南18家支付平**整名單

作者：行走在東南亞

A complete list of the 18 payment players in Vietnam

在越南支付平臺(tái)的競(jìng)爭(zhēng)者有很多，但是他們都受到銀行的限制，有的沒有準(zhǔn)備好，另外一些并不支持。電信**對(duì)他們態(tài)度謹(jǐn)慎。消費(fèi)者人群對(duì)于信用卡的接受度還比較低。但這并不能阻止從內(nèi)容貨幣化，到網(wǎng)站方面，各種形式的創(chuàng)業(yè)公司嘗試出現(xiàn)。

We recently covered 10 online payment platforms in Southeast Asia and I figured I’d follow up with a closer look at Vietnam’s landscape. In Vietnam’s space, there are plenty of compe**s, but they’ve been limited by banks that are not ready nor supportive, telcos that are still archaic, and a consumer base that has still not adopted credit cards. Nevertheless, this hasn’t stopped several startups from finding all sorts of ways to monetize content and websites.

以下是越南支付空間的 18 個(gè)主要玩家。這個(gè)名單從傳統(tǒng)的在線支付平臺(tái)，到另一些把數(shù)字內(nèi)容貨幣化的非常規(guī)的支付平臺(tái)。

Below are 18 of the players in the payment space in Vietnam. The list covers traditional online payment platforms, along with some players which, while not exactly “payment platforms,” support monetary transactions in some form or another.

你將第一看到一些更加傳統(tǒng)化的在線支付平臺(tái)，第二我會(huì)列出一些并不完全是支付平臺(tái)的名單，但是這些公司同樣在對(duì)消費(fèi)者在某些特定細(xì)分領(lǐng)域做支付。最終我小編綜合來說的全景圖將是足夠全面。

You’ll see the first list of more traditional online payment platforms, and then you’ll see that I listed some players who are not exactly payment platforms, but do support making transactions to consumers in certain niches. This is no doubt the result of the landscape that I’ve summarized above.

這是個(gè)龐大的名單。所以我可以提前劇透一下這里面最大的幾家：**artLink, NganLuong, Mobivi, OnePay, BaoKim, 123Pay。但是在這個(gè)非常復(fù)雜的生態(tài)圖景中，誰(shuí)會(huì)是最后的贏家，只能讓時(shí)間來證明。

It’s a big list, so I’ll tell you right now, some of the most significant players include **artLink, NganLuong, Mobivi, OnePay, BaoKim, and 123Pay. But time will tell who will be the real winner in this very complex landscape.

由于時(shí)間倉(cāng)促我也可能有疏漏，再次見諒。

If you think there are any players that I missed, don’t hesitate to contact us or comment below and we will add them right away.

1、Mobivi

Mobivi 由一個(gè)擁有數(shù)百萬(wàn)美元資產(chǎn)的越南裔美國(guó)人始創(chuàng)。是越南在線支付平臺(tái)當(dāng)中最響亮的名字之一。據(jù)坊間傳言通過該平臺(tái)運(yùn)送的現(xiàn)金流達(dá)到 3000 萬(wàn)美元。該平臺(tái)長(zhǎng)期試驗(yàn)不同的支付模型，比如為非營(yíng)利組織免費(fèi)進(jìn)行移動(dòng)捐獻(xiàn)，還有通過手機(jī)直接讀取在線的信用卡賬單。除了這些試驗(yàn)之外，該平臺(tái)是否聚焦了成為一個(gè)主要玩家所需的一切要素，還不明朗。

Founded by a Vietnamese-American multi-millionaire, Mobivi is one of the biggest names in the Vietnamese payment space, though mainly because of how much money it is carrying, rumored to be over $30 million. Mobivi has long been experimenting with various payment models such as free mobile transactions for non-profit donations, and is now working on online credit card benefits packages for large scale companies. It also allows users to top up their mobile phones straight from their online credit dashboard. Despite its experimentation, it is still not clear yet if Mobivi has generated the traction it needs to be a major player.

公司網(wǎng)址/company webstite:https://www.mobivi.vn

2、NganLuong (來自 PeaceSoft)

該平臺(tái)已經(jīng)從事了移動(dòng)和在線支付業(yè)務(wù)很長(zhǎng)一段時(shí)間。該公司是從其母公司 PeaceSoft 的 Ebay.vn 和 Chodientu.vn 等一大群企業(yè)當(dāng)中脫穎而出的。一家區(qū)域性的支付公司 MOL 占有該公司 50% 的股權(quán)，這筆交易在今年早些時(shí)候完成。他們的服務(wù)受到多重因素的保護(hù)，不僅是一個(gè)電子錢包，而且是 Paypal 類型的支付平臺(tái)。

NganLuong has been in the business of mobile and online payments for a long time. It leverages off of its own portfolio of companies at PeaceSoft, which includes Ebay.vn and Chodientu.vn. MOL, a regional player in payment, took a 50 percent stake in NganLuong earlier this year. The service is multi-faceted, as it’s not only an e-wallet but also a transaction platform like PayPal.

其母公司為越南電商ChoDienTu.vn, NganLuong目前已成為越南主要的在線支付平臺(tái)，擁有超過10，000家電商商戶和500，000個(gè)激活賬戶，占據(jù)27%的市場(chǎng)份額。NganLuong可以支持越南90%的銀行賬戶和銀行卡，電子錢包；支持刮刮卡(Vinaphone, MobiFone, Viettel, Gate)；支持Visa，Mastercard、JCB、mol、paypal等渠道。

Its parent company is ChoDienTu.vn, a Vietnamese e-commerce company. NganLuong has become Vietnam's main online payment platform, with more than 10,000 home appliance merchants and 500,000 activation accounts, accounting for 27% of the market. NganLuong can support 90% of bank accounts and bank cards in Vietnam, e-wallets; support scratch cards (Vinaphone, MobiFone, Viettel, Gate); support Visa, Mastercard, JCB, mol, paypal and other channels.

支付特點(diǎn)：1.實(shí)時(shí)到賬；2.無(wú)拒付；3.支持線上線下付款。

Payment characteristics: 1. Real-time arrival; 2. No chargeback; 3. Support online and offline payment

公司網(wǎng)址/company webstite:https://www.nganluong.vn/vn/home.html

3、Rev Vietnam

在越南居住的絕大多數(shù)人可能沒有聽過這家公司，主要是因?yàn)槠渖形传@得重大的發(fā)展。去年該公司就邁出了重要一步。他們嘗試將臨時(shí)信用卡推向市場(chǎng)。這些信用卡可以用 20 美元到 100 美元的價(jià)值買到。遺憾的是這個(gè)虛擬信用卡服務(wù)沒有獲得預(yù)期的營(yíng)收，最終關(guān)閉了。在那以后，該公司嘗試像 Square 一樣，在任何智能手機(jī)上進(jìn)行移動(dòng)支付的平臺(tái)搭建。目前為止這同樣沒有獲得明顯的營(yíng)收。主要是因?yàn)檫M(jìn)入該服務(wù)的門檻非常高，想要讓習(xí)慣現(xiàn)金的商戶們轉(zhuǎn)而接受信用卡不是很容易。

Most people in Vietnam probably haven’t heard of this company, mainly because it hasn’t caught its big break yet. Last year Rev Vietnam made a bold move when it attempted to push temporary credit cards into the market. These cards could be bought for $20 to $100 and used like a normal credit card online. Unfortunately, the service didn’t gain any traction and was shuttered. Since then Rev Vietnam has focused on creating a Square-like dongle that hooks into any **artphone. This also has not gained traction, likely due to the significant barriers to entry – it’s difficult to convince merchants who already prefer cash to accept credit cards.

公司網(wǎng)址/company webstite:http://revinternetcard.com.vn

4、OnePay

OnePay 是萬(wàn)事達(dá)卡在越南的官方代表。也運(yùn)行包括賬單支付，在線轉(zhuǎn)賬，自動(dòng)柜員機(jī)，網(wǎng)絡(luò)銀行和手機(jī)銀行在內(nèi)的一系列服務(wù)。該服務(wù)同樣為越南通信銀行（Vietcombank）所支持。這家越南較大的銀行給了該公司非常多的幫助。

OnePay is the official representative for MasterCard for Vietnam and provides a host of services including bill payment, online transactions, ATM, internet banking, and **S banking. It’s also backed by Vietcombank, which gives it an even more significant a**antage – Vietcombank is Vietnam’s leading bank, after all.

公司網(wǎng)址/company webstite:https://www.onepay.vn

5、1Pay

請(qǐng)不要把這家移動(dòng)支付領(lǐng)域的新創(chuàng)業(yè)公司跟我們上面介紹的 OnePay 相混淆。先不要管這個(gè)糟糕的品牌，該公司是在上一家公司之后進(jìn)入同一個(gè)市場(chǎng)的。因?yàn)樗谝苿?dòng)領(lǐng)域的基礎(chǔ)建設(shè)比較薄弱，同時(shí)也有后進(jìn)入市場(chǎng)的更強(qiáng)大的競(jìng)爭(zhēng)者，它的競(jìng)爭(zhēng)力并不被人看好。盡管如此，他在最近的東盟創(chuàng)業(yè)公司展示 DEMO ASEAN 中依然獲得了二等獎(jiǎng)。

Not to be confused with OnePay, this new startup specializes in mobile payment. Aside from the horrible branding, it came to the market after OnePay, and it is not considered to be a company that has very much potential in Vietnam due to the lack of infrastructure in the mobile space and the existence of more evolved compe**s. That said, it did win the second prize at the recent DEMO ASEAN.

公司網(wǎng)址/company webstite:https://truemoney.com.vn

6、**artLink

像其競(jìng)爭(zhēng)者一樣，**artLink 是一系列支付服務(wù)的**，包括自動(dòng)柜員機(jī)，收銀機(jī)，支付**，電子商務(wù)支付，以及在此之上遍及全城的支付網(wǎng)絡(luò)。最近它與另一家公司 Mobivi 簽署了合約，允許人們利用近場(chǎng)支付技術(shù)刷卡購(gòu)買貨物，購(gòu)買過程通過它們的支付網(wǎng)絡(luò)進(jìn)行。

**artLink, like its compe**s, also has a suite of services for payment. This includes ATM, POS, payment gateways, e-commerce payment offerings, and on top of all that, it has payment kiosks throughout the city. Recently, **artLink inked a deal with Mobivi to allow people to top up their cards and pay for goods via its kiosks.

公司網(wǎng)址/company webstite:https://**artlink.com.vn/Home/

https://thebank.vn

7、SohaPay (來自 VCCorp)

這家公司由越南最大的在線媒體集團(tuán) VC Corp 所支持。該集團(tuán)像 VNG, Vat Gia, PeaceSoft 一樣，旗下運(yùn)行的系列服務(wù)品牌包括 Mua Chung, En B?c, Dan Tri, Mua re, Rong Bay 等。因此它同樣可以提升其內(nèi)容，讓用戶使用支付平臺(tái)。這是一個(gè)能夠接收所有主流自動(dòng)柜員機(jī)和越南的信用卡的電子錢包。

Started by one of Vietnam’s biggest online media companies, VC Corp. Vc Corp, like VNG, Vat Gia, and PeaceSoft, have a host of services including Mua Chung, En B?c, Dan Tri, Mua re, Rong Bay, and more. Therefore, it can also leverage its content to get users to use its payment platform. It’s an e-wallet that accepts all the main ATM and credit card methods in Vietnam.

公司網(wǎng)址/company webstite:https://sohapay.vn

8、BaoKim (來自 Vat Gia)

BaoKim 與上面所介紹過的類似。包括一個(gè)電子錢包，和類似 PayPal 的信用卡支付平臺(tái)。因?yàn)槠潆`屬于越南一家最大的電商網(wǎng)站 Vat Gia，其用戶基礎(chǔ)是毋庸置疑的。

BaoKim’s services are similar to those of NganLuong, including an e-wallet and PayPal-like credit card transactions. Since it’s under Vat Gia, one of Vietnam’s biggest e-commerce sites, it is able to leverage a huge userbase.

公司網(wǎng)址/company webstite:https://www.baokim.vn

9、MoMo (來自 Vinaphone)

這個(gè)服務(wù)是由越南一家最大的電信公司 Vinaphone 所支持。它允許該電信公司的客戶通過這個(gè)服務(wù)支付賬單和其他的金融業(yè)務(wù)。用戶使用服務(wù)的同一個(gè)項(xiàng)目，可以綁定該電話公司的一系列短信業(yè)務(wù)，同時(shí)激活此服務(wù)。這也會(huì)在用戶的手機(jī)卡中自動(dòng)創(chuàng)建一個(gè)電子錢包。

MoMo is a service created by Vinaphone, one of Vietnam’s biggest telcos. The service allows Vinaphone customers to pay for their bills and access financial services right from their mobile phone. Users can sign up for the services with a series of **S’s to the Vinaphone system, which will then activate the service. This will then create an e-wallet on top of the customer’s SIM account.

公司網(wǎng)址/company webstite:https://vinaphone.com.vn

10、Payoo

Payoo 是一個(gè)小一點(diǎn)的初創(chuàng)公司，并不如他的對(duì)手那般功能全面。目前他們只上線了一項(xiàng)功能 PayBill，允許用戶在其平臺(tái)上支付賬單，目前為止這家公司沒有獲得特別明顯的注意。

Payoo is a **aller startup, and not as far along as its compe**s. It only released PayBill, which is a service to allow consumers to pay for their bills on top of the Payoo platform. So far, Payoo has not gained significant traction.

公司網(wǎng)址/company webstite:https://www.payoo.com.vn

11、VinaPay

VinaPay 從三家主要的創(chuàng)業(yè)投資機(jī)構(gòu)當(dāng)中獲得了融資——Net-1（美國(guó)）、IDG 資本（美國(guó)）、MK 集團(tuán)（越南）。這家公司提供預(yù)付費(fèi)的分發(fā)服務(wù)，允許用戶在為其手機(jī)和游戲內(nèi)容進(jìn)行支付。公司始創(chuàng)于 2007 年，不過運(yùn)行至今尚未迎來比較大的增長(zhǎng)。

VinaPay, which got an investment from three main bodies including: Net-1 Technology Corporation (USA), IDG Ventures (USA), and MK Group (Vietnam). The company is a prepaid distribution that allows users to pay for mobile and gaming content. The company was established in 2007, and since that time hasn’t really taken off yet.

公司網(wǎng)址/company webstite:http://idgvv.com.vn/en/portfolio/vinapay

12、123Pay (來自 VNG)

科技大鱷 VNG 的作品，該市場(chǎng)的最新玩家。對(duì)于零售商戶來說，使用他們的服務(wù)相對(duì)也比較便宜。其母公司 VNG，最近謠傳可能要關(guān)閉他們的電商平臺(tái) 123mua.vn。但從最近的舉動(dòng)上來看，很有可能會(huì)將兩家主要電子商務(wù)平臺(tái)的用戶導(dǎo)入這個(gè)支付業(yè)務(wù)。該公司也是越南領(lǐng)先的游戲公司，正向其社交游戲競(jìng)爭(zhēng)對(duì)手 Zing 和 Zalo 一樣，這些游戲的用戶也將會(huì)有很大機(jī)會(huì)使用該支付業(yè)務(wù)。

A new player into the market from tech juggernaut VNG. It’s also one of the cheaper options for retailers. VNG, which recently was rumored about to shutter its e-commerce platform, 123mua.vn, has since bounced back. Obviously, it is able to leverage its two e-commerce platforms including 123mua.vn to get users on 123Pay. VNG is also the leading game company in Vietnam as well as social media company with Zing and Zalo. This allows VNG to leverage on its database to get users on its payment platform.

該公司也是越南領(lǐng)先的游戲公司，正向其社交游戲競(jìng)爭(zhēng)對(duì)手 Zing 和 Zalo 一樣，這些游戲的用戶也將會(huì)有很大機(jī)會(huì)使用該支付業(yè)務(wù)。類似**artLink，也是各種付款方式的集成平臺(tái)，支持國(guó)際信用卡以及當(dāng)?shù)劂y行卡，可提供電話充值、電視節(jié)目付費(fèi)、日常生活繳費(fèi)等服務(wù)。

The company is also a leading game company in Vietnam, and like its social gaming compe**s Zing and Zalo, users of these games will also have a great opportunity to use the payment service. Similar to **artLink, it is also an integrated platform for various payment methods, supporting international credit cards and local bank cards, providing services such as phone recharge, TV program payment, and daily payment.

公司網(wǎng)址/company webstite:https://123pay.vn/info/

13、2C2P (來自泰國(guó))

這家公司的原注冊(cè)地在泰國(guó)。因地制宜地采用了讓用戶在線訂購(gòu)，去本地的 7-11 零售店取貨的方式，獲得了泰國(guó)市場(chǎng)的支配地位，馬上就進(jìn)入了越南市場(chǎng)。當(dāng)用戶在 7-11 便利店付款之后，該便利店將會(huì)通知這家電子商務(wù)網(wǎng)站，他們會(huì)及時(shí)將物品送到用戶手中。創(chuàng)始人 Aung Kyaw Moe 描述說，這種消費(fèi)者和商戶的服務(wù)模式，是在當(dāng)本地市場(chǎng)接受信用卡大范圍到來之前的一種過渡形態(tài)。

This startup, which dominates Thailand with a payment platform that gets users to book an item online and then go to the local 7/11 to pay, is soon entering the Vietnamese market. After a user pays at 7/11, the 7/11 will ping the e-commerce site and they will then ship their items to the users. The founder, Aung Kyaw Moe, has stated that the 2C2P model is a transitionary model until the local market becomes more credit card friendly.

公司網(wǎng)址/company webstite:https://www.2c2p.com

14、Vietpay

Vietpay 始創(chuàng)于 2006 年，允許人們通過手機(jī)付款。這家公司可能讓你想起肯尼亞的另一家公司 mPesa，問題不僅是在于其傳輸費(fèi)用，而且還包括植入問題。同樣該公司沒有引起該領(lǐng)域的廣泛關(guān)注。他們與電信** Mobifone 的合作可能是其秘密武器之一；不過從 2006 年這個(gè)合作就已經(jīng)啟動(dòng)了。

Vietpay was started in 2006 and allows people to pay via SIM. This may remind you of mPesa in Kenya, but the problem is not only the transaction fee but also the implementation. As yet, Vietpay has not made significant traction in the space. To its credit, it is working with Mobifone, and that may be its secret sauce. But it’s been working at this since 2006.

公司網(wǎng)址/company webstite:http://m0.vietpay.vn/index.vp

15、Viettel, Mobifone, Vinaphone 等越南電信**

越南的電信**都是經(jīng)過越南**授權(quán)的不同分支運(yùn)行的。這導(dǎo)致越南移動(dòng)設(shè)備的覆蓋率非常廣泛，定價(jià)很便宜，但同時(shí)也讓越南移動(dòng)通信的發(fā)展比較滯后。截至目前，移動(dòng)交易是允許的，但是電信**從每筆電子交易當(dāng)中會(huì)抽成 30-50%，無(wú)論如何，這并沒有阻止一些公司的崛起。比如在線教育公司 Deltaviet。他們 90% 的銷售都是通過短信達(dá)成的。如果越南電信巨頭節(jié)省他們的手續(xù)費(fèi)用，這個(gè)市場(chǎng)將很快爆發(fā)性增長(zhǎng)。這項(xiàng)措施也對(duì)于列在這里的所有創(chuàng)業(yè)公司造成了重創(chuàng)。很不幸的是，上層管理機(jī)構(gòu)目前尚沒有放開手續(xù)費(fèi)的意愿。

Vietnam’s telcos are all run by various branches of the Vietnamese government. This has been the main cause for Vietnam’s coverage and pricing of mobile services to be so widespread and cheap but also has lead to Vietnamese mobile services being held back. Currently, mobile transactions are allowed, but the telcos take anywhere from 30 to 50 percent of each mobile transaction. But this has not stopped companies like Deltaviet, an online education company, from getting over 90 percent of its transactions via **S transaction. If the Vietnamese telcos lowered their cut, the market would explode. It would also cut deeply into all the startups listed here. Unfortunately, this has not been implemented by upper management yet.

公司網(wǎng)址/company webstite:

16、GiaoHangNhanh

有些人可能會(huì)批評(píng)我把 GiaoHangNhanh 加進(jìn)這個(gè)名單，無(wú)論如何，這是一家給電商的物流公司。但不僅如此，這是越南人現(xiàn)金支付文化的一個(gè)延伸。通過運(yùn)送和收集全國(guó)范圍內(nèi)的支付，允許從小到大的越南電商網(wǎng)站獲得支付信息。這個(gè)集物流與付款在一起的渠道，是名副其實(shí)的市場(chǎng)參與者。不同于 2c2p 通過便利店來擴(kuò)展他們的業(yè)務(wù)，該公司選用的是摩托車。

Some may criticize the addition of GiaoHangNhanh here. After all, it is a logistics company for e-commerce. Not only that, it’s an extension of Vietnam’s cash-on-delivery culture. Nevertheless, by delivering and collecting payment from e-commerce customers across the country and enabling **all and large e-commerce sites in Vietnam to collect payment, this is clearly a real player. Instead of leveraging 7/11’s (a business that has not yet entered Vietnam) like 2C2P, GiaoHangNhanh leverages motorbikes.

公司網(wǎng)址/company webstite:https://ghn.vn

17、Zship

Zship 是 GiaoHangNhanh 在電商領(lǐng)域的主要競(jìng)爭(zhēng)對(duì)手，主要專精于食品運(yùn)送。它也因?yàn)槎▋r(jià)比對(duì)方低一點(diǎn)點(diǎn)而廣為人知。這同樣是一個(gè)在運(yùn)輸過程當(dāng)中達(dá)成結(jié)算的在線商務(wù)平臺(tái)。

Zship is one of GiaoHangNhanh’s key compe**s in the e-commerece and especially food delivery space. It’s also known to be just a little cheaper. Again, this is about cash-on-delivery enabling online commerce.

公司網(wǎng)址/company webstite:http://zship.vn

18、VNG 的刮刮卡

在 VNG 發(fā)布了 123Pay 和 Zalo 兩項(xiàng)服務(wù)之前。公司已經(jīng)十分有錢，而且因其在**金山（應(yīng)該是騰訊或網(wǎng)易？）學(xué)起來的一個(gè)想法而廣為人知。該公司在全國(guó)范圍內(nèi)銷售用涂層覆蓋密碼的充值卡。這些卡片可以用來充值在線游戲。這是 VNG 公司自己建立起來的系統(tǒng)，不僅可以屏蔽電信**的手續(xù)費(fèi)，同樣也將用戶們鎖定在了他們的應(yīng)用或游戲內(nèi)付款的環(huán)節(jié)中。這種游戲卡美中不足是只能用在該公司自己的游戲和應(yīng)用生態(tài)系統(tǒng)中。

Long before VNG released 123Pay and Zalo, VNG got rich and famous off of an idea that it learned from Kingsoft in China. It sold scratchcards to internet shops across the country. These scratchcards were then used to pay for online purchases of games. This is a system that VNG built itself to not only avoid the transaction fees from telcos but also to lock users into their game environments. Today, the scratchcards are still in play, allowing users to buy online in-app or in-game purchases. The scratchcard system though, is not used outside of the VNG ecosystem of games and apps.

公司網(wǎng)址/company webstite:https://www.vng.com.vn

越南在線支付領(lǐng)域的綜述

就像你看到的一樣，在越南的在線支付平臺(tái)擴(kuò)展范圍非常廣泛。從非常小眾的在配送過程當(dāng)中付款的物流模型，到包羅萬(wàn)象涵蓋整個(gè)支付流程的全功能公司。盡管這些公司當(dāng)中很多都想到了獨(dú)特的想法來完成支付，他們當(dāng)中并沒有產(chǎn)生在美國(guó)如 Paypal 地位的公司。也沒有像 Venmo 一樣充滿希望的小玩家，能夠讓用戶始終在該平臺(tái)上保持粘性。

As you can see, there’s a wealth of payment platforms in Vietnam spanning from very niche cash-on-delivery logistics models all the way to companies that offer the entire spectrum of services. Although many of these companies have leveraged unique ideas to get payment, there is no clear leader that dominates like PayPal in the USA, and no promising **all players like Venmo, which get users to pay in new ways that are sticky.

拓展知識(shí)：

前沿拓展：

---

越南18家支付平**整名單

作者：行走在東南亞

A complete list of the 18 payment players in Vietnam

在越南支付平臺(tái)的競(jìng)爭(zhēng)者有很多，但是他們都受到銀行的限制，有的沒有準(zhǔn)備好，另外一些并不支持。電信**對(duì)他們態(tài)度謹(jǐn)慎。消費(fèi)者人群對(duì)于信用卡的接受度還比較低。但這并不能阻止從內(nèi)容貨幣化，到網(wǎng)站方面，各種形式的創(chuàng)業(yè)公司嘗試出現(xiàn)。

We recently covered 10 online payment platforms in Southeast Asia and I figured I’d follow up with a closer look at Vietnam’s landscape. In Vietnam’s space, there are plenty of compe**s, but they’ve been limited by banks that are not ready nor supportive, telcos that are still archaic, and a consumer base that has still not adopted credit cards. Nevertheless, this hasn’t stopped several startups from finding all sorts of ways to monetize content and websites.

以下是越南支付空間的 18 個(gè)主要玩家。這個(gè)名單從傳統(tǒng)的在線支付平臺(tái)，到另一些把數(shù)字內(nèi)容貨幣化的非常規(guī)的支付平臺(tái)。

Below are 18 of the players in the payment space in Vietnam. The list covers traditional online payment platforms, along with some players which, while not exactly “payment platforms,” support monetary transactions in some form or another.

你將第一看到一些更加傳統(tǒng)化的在線支付平臺(tái)，第二我會(huì)列出一些并不完全是支付平臺(tái)的名單，但是這些公司同樣在對(duì)消費(fèi)者在某些特定細(xì)分領(lǐng)域做支付。最終我小編綜合來說的全景圖將是足夠全面。

You’ll see the first list of more traditional online payment platforms, and then you’ll see that I listed some players who are not exactly payment platforms, but do support making transactions to consumers in certain niches. This is no doubt the result of the landscape that I’ve summarized above.

這是個(gè)龐大的名單。所以我可以提前劇透一下這里面最大的幾家：**artLink, NganLuong, Mobivi, OnePay, BaoKim, 123Pay。但是在這個(gè)非常復(fù)雜的生態(tài)圖景中，誰(shuí)會(huì)是最后的贏家，只能讓時(shí)間來證明。

It’s a big list, so I’ll tell you right now, some of the most significant players include **artLink, NganLuong, Mobivi, OnePay, BaoKim, and 123Pay. But time will tell who will be the real winner in this very complex landscape.

由于時(shí)間倉(cāng)促我也可能有疏漏，再次見諒。

If you think there are any players that I missed, don’t hesitate to contact us or comment below and we will add them right away.

1、Mobivi

Mobivi 由一個(gè)擁有數(shù)百萬(wàn)美元資產(chǎn)的越南裔美國(guó)人始創(chuàng)。是越南在線支付平臺(tái)當(dāng)中最響亮的名字之一。據(jù)坊間傳言通過該平臺(tái)運(yùn)送的現(xiàn)金流達(dá)到 3000 萬(wàn)美元。該平臺(tái)長(zhǎng)期試驗(yàn)不同的支付模型，比如為非營(yíng)利組織免費(fèi)進(jìn)行移動(dòng)捐獻(xiàn)，還有通過手機(jī)直接讀取在線的信用卡賬單。除了這些試驗(yàn)之外，該平臺(tái)是否聚焦了成為一個(gè)主要玩家所需的一切要素，還不明朗。

Founded by a Vietnamese-American multi-millionaire, Mobivi is one of the biggest names in the Vietnamese payment space, though mainly because of how much money it is carrying, rumored to be over $30 million. Mobivi has long been experimenting with various payment models such as free mobile transactions for non-profit donations, and is now working on online credit card benefits packages for large scale companies. It also allows users to top up their mobile phones straight from their online credit dashboard. Despite its experimentation, it is still not clear yet if Mobivi has generated the traction it needs to be a major player.

公司網(wǎng)址/company webstite:https://www.mobivi.vn

2、NganLuong (來自 PeaceSoft)

該平臺(tái)已經(jīng)從事了移動(dòng)和在線支付業(yè)務(wù)很長(zhǎng)一段時(shí)間。該公司是從其母公司 PeaceSoft 的 Ebay.vn 和 Chodientu.vn 等一大群企業(yè)當(dāng)中脫穎而出的。一家區(qū)域性的支付公司 MOL 占有該公司 50% 的股權(quán)，這筆交易在今年早些時(shí)候完成。他們的服務(wù)受到多重因素的保護(hù)，不僅是一個(gè)電子錢包，而且是 Paypal 類型的支付平臺(tái)。

NganLuong has been in the business of mobile and online payments for a long time. It leverages off of its own portfolio of companies at PeaceSoft, which includes Ebay.vn and Chodientu.vn. MOL, a regional player in payment, took a 50 percent stake in NganLuong earlier this year. The service is multi-faceted, as it’s not only an e-wallet but also a transaction platform like PayPal.

其母公司為越南電商ChoDienTu.vn, NganLuong目前已成為越南主要的在線支付平臺(tái)，擁有超過10，000家電商商戶和500，000個(gè)激活賬戶，占據(jù)27%的市場(chǎng)份額。NganLuong可以支持越南90%的銀行賬戶和銀行卡，電子錢包；支持刮刮卡(Vinaphone, MobiFone, Viettel, Gate)；支持Visa，Mastercard、JCB、mol、paypal等渠道。

Its parent company is ChoDienTu.vn, a Vietnamese e-commerce company. NganLuong has become Vietnam's main online payment platform, with more than 10,000 home appliance merchants and 500,000 activation accounts, accounting for 27% of the market. NganLuong can support 90% of bank accounts and bank cards in Vietnam, e-wallets; support scratch cards (Vinaphone, MobiFone, Viettel, Gate); support Visa, Mastercard, JCB, mol, paypal and other channels.

支付特點(diǎn)：1.實(shí)時(shí)到賬；2.無(wú)拒付；3.支持線上線下付款。

Payment characteristics: 1. Real-time arrival; 2. No chargeback; 3. Support online and offline payment

公司網(wǎng)址/company webstite:https://www.nganluong.vn/vn/home.html

3、Rev Vietnam

在越南居住的絕大多數(shù)人可能沒有聽過這家公司，主要是因?yàn)槠渖形传@得重大的發(fā)展。去年該公司就邁出了重要一步。他們嘗試將臨時(shí)信用卡推向市場(chǎng)。這些信用卡可以用 20 美元到 100 美元的價(jià)值買到。遺憾的是這個(gè)虛擬信用卡服務(wù)沒有獲得預(yù)期的營(yíng)收，最終關(guān)閉了。在那以后，該公司嘗試像 Square 一樣，在任何智能手機(jī)上進(jìn)行移動(dòng)支付的平臺(tái)搭建。目前為止這同樣沒有獲得明顯的營(yíng)收。主要是因?yàn)檫M(jìn)入該服務(wù)的門檻非常高，想要讓習(xí)慣現(xiàn)金的商戶們轉(zhuǎn)而接受信用卡不是很容易。

Most people in Vietnam probably haven’t heard of this company, mainly because it hasn’t caught its big break yet. Last year Rev Vietnam made a bold move when it attempted to push temporary credit cards into the market. These cards could be bought for $20 to $100 and used like a normal credit card online. Unfortunately, the service didn’t gain any traction and was shuttered. Since then Rev Vietnam has focused on creating a Square-like dongle that hooks into any **artphone. This also has not gained traction, likely due to the significant barriers to entry – it’s difficult to convince merchants who already prefer cash to accept credit cards.

公司網(wǎng)址/company webstite:http://revinternetcard.com.vn

4、OnePay

OnePay 是萬(wàn)事達(dá)卡在越南的官方代表。也運(yùn)行包括賬單支付，在線轉(zhuǎn)賬，自動(dòng)柜員機(jī)，網(wǎng)絡(luò)銀行和手機(jī)銀行在內(nèi)的一系列服務(wù)。該服務(wù)同樣為越南通信銀行（Vietcombank）所支持。這家越南較大的銀行給了該公司非常多的幫助。

OnePay is the official representative for MasterCard for Vietnam and provides a host of services including bill payment, online transactions, ATM, internet banking, and **S banking. It’s also backed by Vietcombank, which gives it an even more significant a**antage – Vietcombank is Vietnam’s leading bank, after all.

公司網(wǎng)址/company webstite:https://www.onepay.vn

5、1Pay

請(qǐng)不要把這家移動(dòng)支付領(lǐng)域的新創(chuàng)業(yè)公司跟我們上面介紹的 OnePay 相混淆。先不要管這個(gè)糟糕的品牌，該公司是在上一家公司之后進(jìn)入同一個(gè)市場(chǎng)的。因?yàn)樗谝苿?dòng)領(lǐng)域的基礎(chǔ)建設(shè)比較薄弱，同時(shí)也有后進(jìn)入市場(chǎng)的更強(qiáng)大的競(jìng)爭(zhēng)者，它的競(jìng)爭(zhēng)力并不被人看好。盡管如此，他在最近的東盟創(chuàng)業(yè)公司展示 DEMO ASEAN 中依然獲得了二等獎(jiǎng)。

Not to be confused with OnePay, this new startup specializes in mobile payment. Aside from the horrible branding, it came to the market after OnePay, and it is not considered to be a company that has very much potential in Vietnam due to the lack of infrastructure in the mobile space and the existence of more evolved compe**s. That said, it did win the second prize at the recent DEMO ASEAN.

公司網(wǎng)址/company webstite:https://truemoney.com.vn

6、**artLink

像其競(jìng)爭(zhēng)者一樣，**artLink 是一系列支付服務(wù)的**，包括自動(dòng)柜員機(jī)，收銀機(jī)，支付**，電子商務(wù)支付，以及在此之上遍及全城的支付網(wǎng)絡(luò)。最近它與另一家公司 Mobivi 簽署了合約，允許人們利用近場(chǎng)支付技術(shù)刷卡購(gòu)買貨物，購(gòu)買過程通過它們的支付網(wǎng)絡(luò)進(jìn)行。

**artLink, like its compe**s, also has a suite of services for payment. This includes ATM, POS, payment gateways, e-commerce payment offerings, and on top of all that, it has payment kiosks throughout the city. Recently, **artLink inked a deal with Mobivi to allow people to top up their cards and pay for goods via its kiosks.

公司網(wǎng)址/company webstite:https://**artlink.com.vn/Home/

https://thebank.vn

7、SohaPay (來自 VCCorp)

這家公司由越南最大的在線媒體集團(tuán) VC Corp 所支持。該集團(tuán)像 VNG, Vat Gia, PeaceSoft 一樣，旗下運(yùn)行的系列服務(wù)品牌包括 Mua Chung, En B?c, Dan Tri, Mua re, Rong Bay 等。因此它同樣可以提升其內(nèi)容，讓用戶使用支付平臺(tái)。這是一個(gè)能夠接收所有主流自動(dòng)柜員機(jī)和越南的信用卡的電子錢包。

Started by one of Vietnam’s biggest online media companies, VC Corp. Vc Corp, like VNG, Vat Gia, and PeaceSoft, have a host of services including Mua Chung, En B?c, Dan Tri, Mua re, Rong Bay, and more. Therefore, it can also leverage its content to get users to use its payment platform. It’s an e-wallet that accepts all the main ATM and credit card methods in Vietnam.

公司網(wǎng)址/company webstite:https://sohapay.vn

8、BaoKim (來自 Vat Gia)

BaoKim 與上面所介紹過的類似。包括一個(gè)電子錢包，和類似 PayPal 的信用卡支付平臺(tái)。因?yàn)槠潆`屬于越南一家最大的電商網(wǎng)站 Vat Gia，其用戶基礎(chǔ)是毋庸置疑的。

BaoKim’s services are similar to those of NganLuong, including an e-wallet and PayPal-like credit card transactions. Since it’s under Vat Gia, one of Vietnam’s biggest e-commerce sites, it is able to leverage a huge userbase.

公司網(wǎng)址/company webstite:https://www.baokim.vn

9、MoMo (來自 Vinaphone)

這個(gè)服務(wù)是由越南一家最大的電信公司 Vinaphone 所支持。它允許該電信公司的客戶通過這個(gè)服務(wù)支付賬單和其他的金融業(yè)務(wù)。用戶使用服務(wù)的同一個(gè)項(xiàng)目，可以綁定該電話公司的一系列短信業(yè)務(wù)，同時(shí)激活此服務(wù)。這也會(huì)在用戶的手機(jī)卡中自動(dòng)創(chuàng)建一個(gè)電子錢包。

MoMo is a service created by Vinaphone, one of Vietnam’s biggest telcos. The service allows Vinaphone customers to pay for their bills and access financial services right from their mobile phone. Users can sign up for the services with a series of **S’s to the Vinaphone system, which will then activate the service. This will then create an e-wallet on top of the customer’s SIM account.

公司網(wǎng)址/company webstite:https://vinaphone.com.vn

10、Payoo

Payoo 是一個(gè)小一點(diǎn)的初創(chuàng)公司，并不如他的對(duì)手那般功能全面。目前他們只上線了一項(xiàng)功能 PayBill，允許用戶在其平臺(tái)上支付賬單，目前為止這家公司沒有獲得特別明顯的注意。

Payoo is a **aller startup, and not as far along as its compe**s. It only released PayBill, which is a service to allow consumers to pay for their bills on top of the Payoo platform. So far, Payoo has not gained significant traction.

公司網(wǎng)址/company webstite:https://www.payoo.com.vn

11、VinaPay

VinaPay 從三家主要的創(chuàng)業(yè)投資機(jī)構(gòu)當(dāng)中獲得了融資——Net-1（美國(guó)）、IDG 資本（美國(guó)）、MK 集團(tuán)（越南）。這家公司提供預(yù)付費(fèi)的分發(fā)服務(wù)，允許用戶在為其手機(jī)和游戲內(nèi)容進(jìn)行支付。公司始創(chuàng)于 2007 年，不過運(yùn)行至今尚未迎來比較大的增長(zhǎng)。

VinaPay, which got an investment from three main bodies including: Net-1 Technology Corporation (USA), IDG Ventures (USA), and MK Group (Vietnam). The company is a prepaid distribution that allows users to pay for mobile and gaming content. The company was established in 2007, and since that time hasn’t really taken off yet.

公司網(wǎng)址/company webstite:http://idgvv.com.vn/en/portfolio/vinapay

12、123Pay (來自 VNG)

科技大鱷 VNG 的作品，該市場(chǎng)的最新玩家。對(duì)于零售商戶來說，使用他們的服務(wù)相對(duì)也比較便宜。其母公司 VNG，最近謠傳可能要關(guān)閉他們的電商平臺(tái) 123mua.vn。但從最近的舉動(dòng)上來看，很有可能會(huì)將兩家主要電子商務(wù)平臺(tái)的用戶導(dǎo)入這個(gè)支付業(yè)務(wù)。該公司也是越南領(lǐng)先的游戲公司，正向其社交游戲競(jìng)爭(zhēng)對(duì)手 Zing 和 Zalo 一樣，這些游戲的用戶也將會(huì)有很大機(jī)會(huì)使用該支付業(yè)務(wù)。

A new player into the market from tech juggernaut VNG. It’s also one of the cheaper options for retailers. VNG, which recently was rumored about to shutter its e-commerce platform, 123mua.vn, has since bounced back. Obviously, it is able to leverage its two e-commerce platforms including 123mua.vn to get users on 123Pay. VNG is also the leading game company in Vietnam as well as social media company with Zing and Zalo. This allows VNG to leverage on its database to get users on its payment platform.

該公司也是越南領(lǐng)先的游戲公司，正向其社交游戲競(jìng)爭(zhēng)對(duì)手 Zing 和 Zalo 一樣，這些游戲的用戶也將會(huì)有很大機(jī)會(huì)使用該支付業(yè)務(wù)。類似**artLink，也是各種付款方式的集成平臺(tái)，支持國(guó)際信用卡以及當(dāng)?shù)劂y行卡，可提供電話充值、電視節(jié)目付費(fèi)、日常生活繳費(fèi)等服務(wù)。

The company is also a leading game company in Vietnam, and like its social gaming compe**s Zing and Zalo, users of these games will also have a great opportunity to use the payment service. Similar to **artLink, it is also an integrated platform for various payment methods, supporting international credit cards and local bank cards, providing services such as phone recharge, TV program payment, and daily payment.

公司網(wǎng)址/company webstite:https://123pay.vn/info/

13、2C2P (來自泰國(guó))

這家公司的原注冊(cè)地在泰國(guó)。因地制宜地采用了讓用戶在線訂購(gòu)，去本地的 7-11 零售店取貨的方式，獲得了泰國(guó)市場(chǎng)的支配地位，馬上就進(jìn)入了越南市場(chǎng)。當(dāng)用戶在 7-11 便利店付款之后，該便利店將會(huì)通知這家電子商務(wù)網(wǎng)站，他們會(huì)及時(shí)將物品送到用戶手中。創(chuàng)始人 Aung Kyaw Moe 描述說，這種消費(fèi)者和商戶的服務(wù)模式，是在當(dāng)本地市場(chǎng)接受信用卡大范圍到來之前的一種過渡形態(tài)。

This startup, which dominates Thailand with a payment platform that gets users to book an item online and then go to the local 7/11 to pay, is soon entering the Vietnamese market. After a user pays at 7/11, the 7/11 will ping the e-commerce site and they will then ship their items to the users. The founder, Aung Kyaw Moe, has stated that the 2C2P model is a transitionary model until the local market becomes more credit card friendly.

公司網(wǎng)址/company webstite:https://www.2c2p.com

14、Vietpay

Vietpay 始創(chuàng)于 2006 年，允許人們通過手機(jī)付款。這家公司可能讓你想起肯尼亞的另一家公司 mPesa，問題不僅是在于其傳輸費(fèi)用，而且還包括植入問題。同樣該公司沒有引起該領(lǐng)域的廣泛關(guān)注。他們與電信** Mobifone 的合作可能是其秘密武器之一；不過從 2006 年這個(gè)合作就已經(jīng)啟動(dòng)了。

Vietpay was started in 2006 and allows people to pay via SIM. This may remind you of mPesa in Kenya, but the problem is not only the transaction fee but also the implementation. As yet, Vietpay has not made significant traction in the space. To its credit, it is working with Mobifone, and that may be its secret sauce. But it’s been working at this since 2006.

公司網(wǎng)址/company webstite:http://m0.vietpay.vn/index.vp

15、Viettel, Mobifone, Vinaphone 等越南電信**

越南的電信**都是經(jīng)過越南**授權(quán)的不同分支運(yùn)行的。這導(dǎo)致越南移動(dòng)設(shè)備的覆蓋率非常廣泛，定價(jià)很便宜，但同時(shí)也讓越南移動(dòng)通信的發(fā)展比較滯后。截至目前，移動(dòng)交易是允許的，但是電信**從每筆電子交易當(dāng)中會(huì)抽成 30-50%，無(wú)論如何，這并沒有阻止一些公司的崛起。比如在線教育公司 Deltaviet。他們 90% 的銷售都是通過短信達(dá)成的。如果越南電信巨頭節(jié)省他們的手續(xù)費(fèi)用，這個(gè)市場(chǎng)將很快爆發(fā)性增長(zhǎng)。這項(xiàng)措施也對(duì)于列在這里的所有創(chuàng)業(yè)公司造成了重創(chuàng)。很不幸的是，上層管理機(jī)構(gòu)目前尚沒有放開手續(xù)費(fèi)的意愿。

Vietnam’s telcos are all run by various branches of the Vietnamese government. This has been the main cause for Vietnam’s coverage and pricing of mobile services to be so widespread and cheap but also has lead to Vietnamese mobile services being held back. Currently, mobile transactions are allowed, but the telcos take anywhere from 30 to 50 percent of each mobile transaction. But this has not stopped companies like Deltaviet, an online education company, from getting over 90 percent of its transactions via **S transaction. If the Vietnamese telcos lowered their cut, the market would explode. It would also cut deeply into all the startups listed here. Unfortunately, this has not been implemented by upper management yet.

公司網(wǎng)址/company webstite:

16、GiaoHangNhanh

有些人可能會(huì)批評(píng)我把 GiaoHangNhanh 加進(jìn)這個(gè)名單，無(wú)論如何，這是一家給電商的物流公司。但不僅如此，這是越南人現(xiàn)金支付文化的一個(gè)延伸。通過運(yùn)送和收集全國(guó)范圍內(nèi)的支付，允許從小到大的越南電商網(wǎng)站獲得支付信息。這個(gè)集物流與付款在一起的渠道，是名副其實(shí)的市場(chǎng)參與者。不同于 2c2p 通過便利店來擴(kuò)展他們的業(yè)務(wù)，該公司選用的是摩托車。

Some may criticize the addition of GiaoHangNhanh here. After all, it is a logistics company for e-commerce. Not only that, it’s an extension of Vietnam’s cash-on-delivery culture. Nevertheless, by delivering and collecting payment from e-commerce customers across the country and enabling **all and large e-commerce sites in Vietnam to collect payment, this is clearly a real player. Instead of leveraging 7/11’s (a business that has not yet entered Vietnam) like 2C2P, GiaoHangNhanh leverages motorbikes.

公司網(wǎng)址/company webstite:https://ghn.vn

17、Zship

Zship 是 GiaoHangNhanh 在電商領(lǐng)域的主要競(jìng)爭(zhēng)對(duì)手，主要專精于食品運(yùn)送。它也因?yàn)槎▋r(jià)比對(duì)方低一點(diǎn)點(diǎn)而廣為人知。這同樣是一個(gè)在運(yùn)輸過程當(dāng)中達(dá)成結(jié)算的在線商務(wù)平臺(tái)。

Zship is one of GiaoHangNhanh’s key compe**s in the e-commerece and especially food delivery space. It’s also known to be just a little cheaper. Again, this is about cash-on-delivery enabling online commerce.

公司網(wǎng)址/company webstite:http://zship.vn

18、VNG 的刮刮卡

在 VNG 發(fā)布了 123Pay 和 Zalo 兩項(xiàng)服務(wù)之前。公司已經(jīng)十分有錢，而且因其在**金山（應(yīng)該是騰訊或網(wǎng)易？）學(xué)起來的一個(gè)想法而廣為人知。該公司在全國(guó)范圍內(nèi)銷售用涂層覆蓋密碼的充值卡。這些卡片可以用來充值在線游戲。這是 VNG 公司自己建立起來的系統(tǒng)，不僅可以屏蔽電信**的手續(xù)費(fèi)，同樣也將用戶們鎖定在了他們的應(yīng)用或游戲內(nèi)付款的環(huán)節(jié)中。這種游戲卡美中不足是只能用在該公司自己的游戲和應(yīng)用生態(tài)系統(tǒng)中。

Long before VNG released 123Pay and Zalo, VNG got rich and famous off of an idea that it learned from Kingsoft in China. It sold scratchcards to internet shops across the country. These scratchcards were then used to pay for online purchases of games. This is a system that VNG built itself to not only avoid the transaction fees from telcos but also to lock users into their game environments. Today, the scratchcards are still in play, allowing users to buy online in-app or in-game purchases. The scratchcard system though, is not used outside of the VNG ecosystem of games and apps.

公司網(wǎng)址/company webstite:https://www.vng.com.vn

越南在線支付領(lǐng)域的綜述

就像你看到的一樣，在越南的在線支付平臺(tái)擴(kuò)展范圍非常廣泛。從非常小眾的在配送過程當(dāng)中付款的物流模型，到包羅萬(wàn)象涵蓋整個(gè)支付流程的全功能公司。盡管這些公司當(dāng)中很多都想到了獨(dú)特的想法來完成支付，他們當(dāng)中并沒有產(chǎn)生在美國(guó)如 Paypal 地位的公司。也沒有像 Venmo 一樣充滿希望的小玩家，能夠讓用戶始終在該平臺(tái)上保持粘性。

As you can see, there’s a wealth of payment platforms in Vietnam spanning from very niche cash-on-delivery logistics models all the way to companies that offer the entire spectrum of services. Although many of these companies have leveraged unique ideas to get payment, there is no clear leader that dominates like PayPal in the USA, and no promising **all players like Venmo, which get users to pay in new ways that are sticky.

拓展知識(shí)：

前沿拓展：

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越南18家支付平**整名單

作者：行走在東南亞

A complete list of the 18 payment players in Vietnam

在越南支付平臺(tái)的競(jìng)爭(zhēng)者有很多，但是他們都受到銀行的限制，有的沒有準(zhǔn)備好，另外一些并不支持。電信**對(duì)他們態(tài)度謹(jǐn)慎。消費(fèi)者人群對(duì)于信用卡的接受度還比較低。但這并不能阻止從內(nèi)容貨幣化，到網(wǎng)站方面，各種形式的創(chuàng)業(yè)公司嘗試出現(xiàn)。

We recently covered 10 online payment platforms in Southeast Asia and I figured I’d follow up with a closer look at Vietnam’s landscape. In Vietnam’s space, there are plenty of compe**s, but they’ve been limited by banks that are not ready nor supportive, telcos that are still archaic, and a consumer base that has still not adopted credit cards. Nevertheless, this hasn’t stopped several startups from finding all sorts of ways to monetize content and websites.

以下是越南支付空間的 18 個(gè)主要玩家。這個(gè)名單從傳統(tǒng)的在線支付平臺(tái)，到另一些把數(shù)字內(nèi)容貨幣化的非常規(guī)的支付平臺(tái)。

Below are 18 of the players in the payment space in Vietnam. The list covers traditional online payment platforms, along with some players which, while not exactly “payment platforms,” support monetary transactions in some form or another.

你將第一看到一些更加傳統(tǒng)化的在線支付平臺(tái)，第二我會(huì)列出一些并不完全是支付平臺(tái)的名單，但是這些公司同樣在對(duì)消費(fèi)者在某些特定細(xì)分領(lǐng)域做支付。最終我小編綜合來說的全景圖將是足夠全面。

You’ll see the first list of more traditional online payment platforms, and then you’ll see that I listed some players who are not exactly payment platforms, but do support making transactions to consumers in certain niches. This is no doubt the result of the landscape that I’ve summarized above.

這是個(gè)龐大的名單。所以我可以提前劇透一下這里面最大的幾家：**artLink, NganLuong, Mobivi, OnePay, BaoKim, 123Pay。但是在這個(gè)非常復(fù)雜的生態(tài)圖景中，誰(shuí)會(huì)是最后的贏家，只能讓時(shí)間來證明。

It’s a big list, so I’ll tell you right now, some of the most significant players include **artLink, NganLuong, Mobivi, OnePay, BaoKim, and 123Pay. But time will tell who will be the real winner in this very complex landscape.

由于時(shí)間倉(cāng)促我也可能有疏漏，再次見諒。

If you think there are any players that I missed, don’t hesitate to contact us or comment below and we will add them right away.

1、Mobivi

Mobivi 由一個(gè)擁有數(shù)百萬(wàn)美元資產(chǎn)的越南裔美國(guó)人始創(chuàng)。是越南在線支付平臺(tái)當(dāng)中最響亮的名字之一。據(jù)坊間傳言通過該平臺(tái)運(yùn)送的現(xiàn)金流達(dá)到 3000 萬(wàn)美元。該平臺(tái)長(zhǎng)期試驗(yàn)不同的支付模型，比如為非營(yíng)利組織免費(fèi)進(jìn)行移動(dòng)捐獻(xiàn)，還有通過手機(jī)直接讀取在線的信用卡賬單。除了這些試驗(yàn)之外，該平臺(tái)是否聚焦了成為一個(gè)主要玩家所需的一切要素，還不明朗。

Founded by a Vietnamese-American multi-millionaire, Mobivi is one of the biggest names in the Vietnamese payment space, though mainly because of how much money it is carrying, rumored to be over $30 million. Mobivi has long been experimenting with various payment models such as free mobile transactions for non-profit donations, and is now working on online credit card benefits packages for large scale companies. It also allows users to top up their mobile phones straight from their online credit dashboard. Despite its experimentation, it is still not clear yet if Mobivi has generated the traction it needs to be a major player.

公司網(wǎng)址/company webstite:https://www.mobivi.vn

2、NganLuong (來自 PeaceSoft)

該平臺(tái)已經(jīng)從事了移動(dòng)和在線支付業(yè)務(wù)很長(zhǎng)一段時(shí)間。該公司是從其母公司 PeaceSoft 的 Ebay.vn 和 Chodientu.vn 等一大群企業(yè)當(dāng)中脫穎而出的。一家區(qū)域性的支付公司 MOL 占有該公司 50% 的股權(quán)，這筆交易在今年早些時(shí)候完成。他們的服務(wù)受到多重因素的保護(hù)，不僅是一個(gè)電子錢包，而且是 Paypal 類型的支付平臺(tái)。

NganLuong has been in the business of mobile and online payments for a long time. It leverages off of its own portfolio of companies at PeaceSoft, which includes Ebay.vn and Chodientu.vn. MOL, a regional player in payment, took a 50 percent stake in NganLuong earlier this year. The service is multi-faceted, as it’s not only an e-wallet but also a transaction platform like PayPal.

其母公司為越南電商ChoDienTu.vn, NganLuong目前已成為越南主要的在線支付平臺(tái)，擁有超過10，000家電商商戶和500，000個(gè)激活賬戶，占據(jù)27%的市場(chǎng)份額。NganLuong可以支持越南90%的銀行賬戶和銀行卡，電子錢包；支持刮刮卡(Vinaphone, MobiFone, Viettel, Gate)；支持Visa，Mastercard、JCB、mol、paypal等渠道。

Its parent company is ChoDienTu.vn, a Vietnamese e-commerce company. NganLuong has become Vietnam's main online payment platform, with more than 10,000 home appliance merchants and 500,000 activation accounts, accounting for 27% of the market. NganLuong can support 90% of bank accounts and bank cards in Vietnam, e-wallets; support scratch cards (Vinaphone, MobiFone, Viettel, Gate); support Visa, Mastercard, JCB, mol, paypal and other channels.

支付特點(diǎn)：1.實(shí)時(shí)到賬；2.無(wú)拒付；3.支持線上線下付款。

Payment characteristics: 1. Real-time arrival; 2. No chargeback; 3. Support online and offline payment

公司網(wǎng)址/company webstite:https://www.nganluong.vn/vn/home.html

3、Rev Vietnam

在越南居住的絕大多數(shù)人可能沒有聽過這家公司，主要是因?yàn)槠渖形传@得重大的發(fā)展。去年該公司就邁出了重要一步。他們嘗試將臨時(shí)信用卡推向市場(chǎng)。這些信用卡可以用 20 美元到 100 美元的價(jià)值買到。遺憾的是這個(gè)虛擬信用卡服務(wù)沒有獲得預(yù)期的營(yíng)收，最終關(guān)閉了。在那以后，該公司嘗試像 Square 一樣，在任何智能手機(jī)上進(jìn)行移動(dòng)支付的平臺(tái)搭建。目前為止這同樣沒有獲得明顯的營(yíng)收。主要是因?yàn)檫M(jìn)入該服務(wù)的門檻非常高，想要讓習(xí)慣現(xiàn)金的商戶們轉(zhuǎn)而接受信用卡不是很容易。

Most people in Vietnam probably haven’t heard of this company, mainly because it hasn’t caught its big break yet. Last year Rev Vietnam made a bold move when it attempted to push temporary credit cards into the market. These cards could be bought for $20 to $100 and used like a normal credit card online. Unfortunately, the service didn’t gain any traction and was shuttered. Since then Rev Vietnam has focused on creating a Square-like dongle that hooks into any **artphone. This also has not gained traction, likely due to the significant barriers to entry – it’s difficult to convince merchants who already prefer cash to accept credit cards.

公司網(wǎng)址/company webstite:http://revinternetcard.com.vn

4、OnePay

OnePay 是萬(wàn)事達(dá)卡在越南的官方代表。也運(yùn)行包括賬單支付，在線轉(zhuǎn)賬，自動(dòng)柜員機(jī)，網(wǎng)絡(luò)銀行和手機(jī)銀行在內(nèi)的一系列服務(wù)。該服務(wù)同樣為越南通信銀行（Vietcombank）所支持。這家越南較大的銀行給了該公司非常多的幫助。

OnePay is the official representative for MasterCard for Vietnam and provides a host of services including bill payment, online transactions, ATM, internet banking, and **S banking. It’s also backed by Vietcombank, which gives it an even more significant a**antage – Vietcombank is Vietnam’s leading bank, after all.

公司網(wǎng)址/company webstite:https://www.onepay.vn

5、1Pay

請(qǐng)不要把這家移動(dòng)支付領(lǐng)域的新創(chuàng)業(yè)公司跟我們上面介紹的 OnePay 相混淆。先不要管這個(gè)糟糕的品牌，該公司是在上一家公司之后進(jìn)入同一個(gè)市場(chǎng)的。因?yàn)樗谝苿?dòng)領(lǐng)域的基礎(chǔ)建設(shè)比較薄弱，同時(shí)也有后進(jìn)入市場(chǎng)的更強(qiáng)大的競(jìng)爭(zhēng)者，它的競(jìng)爭(zhēng)力并不被人看好。盡管如此，他在最近的東盟創(chuàng)業(yè)公司展示 DEMO ASEAN 中依然獲得了二等獎(jiǎng)。

Not to be confused with OnePay, this new startup specializes in mobile payment. Aside from the horrible branding, it came to the market after OnePay, and it is not considered to be a company that has very much potential in Vietnam due to the lack of infrastructure in the mobile space and the existence of more evolved compe**s. That said, it did win the second prize at the recent DEMO ASEAN.

公司網(wǎng)址/company webstite:https://truemoney.com.vn

6、**artLink

像其競(jìng)爭(zhēng)者一樣，**artLink 是一系列支付服務(wù)的**，包括自動(dòng)柜員機(jī)，收銀機(jī)，支付**，電子商務(wù)支付，以及在此之上遍及全城的支付網(wǎng)絡(luò)。最近它與另一家公司 Mobivi 簽署了合約，允許人們利用近場(chǎng)支付技術(shù)刷卡購(gòu)買貨物，購(gòu)買過程通過它們的支付網(wǎng)絡(luò)進(jìn)行。

**artLink, like its compe**s, also has a suite of services for payment. This includes ATM, POS, payment gateways, e-commerce payment offerings, and on top of all that, it has payment kiosks throughout the city. Recently, **artLink inked a deal with Mobivi to allow people to top up their cards and pay for goods via its kiosks.

公司網(wǎng)址/company webstite:https://**artlink.com.vn/Home/

https://thebank.vn

7、SohaPay (來自 VCCorp)

這家公司由越南最大的在線媒體集團(tuán) VC Corp 所支持。該集團(tuán)像 VNG, Vat Gia, PeaceSoft 一樣，旗下運(yùn)行的系列服務(wù)品牌包括 Mua Chung, En B?c, Dan Tri, Mua re, Rong Bay 等。因此它同樣可以提升其內(nèi)容，讓用戶使用支付平臺(tái)。這是一個(gè)能夠接收所有主流自動(dòng)柜員機(jī)和越南的信用卡的電子錢包。

Started by one of Vietnam’s biggest online media companies, VC Corp. Vc Corp, like VNG, Vat Gia, and PeaceSoft, have a host of services including Mua Chung, En B?c, Dan Tri, Mua re, Rong Bay, and more. Therefore, it can also leverage its content to get users to use its payment platform. It’s an e-wallet that accepts all the main ATM and credit card methods in Vietnam.

公司網(wǎng)址/company webstite:https://sohapay.vn

8、BaoKim (來自 Vat Gia)

BaoKim 與上面所介紹過的類似。包括一個(gè)電子錢包，和類似 PayPal 的信用卡支付平臺(tái)。因?yàn)槠潆`屬于越南一家最大的電商網(wǎng)站 Vat Gia，其用戶基礎(chǔ)是毋庸置疑的。

BaoKim’s services are similar to those of NganLuong, including an e-wallet and PayPal-like credit card transactions. Since it’s under Vat Gia, one of Vietnam’s biggest e-commerce sites, it is able to leverage a huge userbase.

公司網(wǎng)址/company webstite:https://www.baokim.vn

9、MoMo (來自 Vinaphone)

這個(gè)服務(wù)是由越南一家最大的電信公司 Vinaphone 所支持。它允許該電信公司的客戶通過這個(gè)服務(wù)支付賬單和其他的金融業(yè)務(wù)。用戶使用服務(wù)的同一個(gè)項(xiàng)目，可以綁定該電話公司的一系列短信業(yè)務(wù)，同時(shí)激活此服務(wù)。這也會(huì)在用戶的手機(jī)卡中自動(dòng)創(chuàng)建一個(gè)電子錢包。

MoMo is a service created by Vinaphone, one of Vietnam’s biggest telcos. The service allows Vinaphone customers to pay for their bills and access financial services right from their mobile phone. Users can sign up for the services with a series of **S’s to the Vinaphone system, which will then activate the service. This will then create an e-wallet on top of the customer’s SIM account.

公司網(wǎng)址/company webstite:https://vinaphone.com.vn

10、Payoo

Payoo 是一個(gè)小一點(diǎn)的初創(chuàng)公司，并不如他的對(duì)手那般功能全面。目前他們只上線了一項(xiàng)功能 PayBill，允許用戶在其平臺(tái)上支付賬單，目前為止這家公司沒有獲得特別明顯的注意。

Payoo is a **aller startup, and not as far along as its compe**s. It only released PayBill, which is a service to allow consumers to pay for their bills on top of the Payoo platform. So far, Payoo has not gained significant traction.

公司網(wǎng)址/company webstite:https://www.payoo.com.vn

11、VinaPay

VinaPay 從三家主要的創(chuàng)業(yè)投資機(jī)構(gòu)當(dāng)中獲得了融資——Net-1（美國(guó)）、IDG 資本（美國(guó)）、MK 集團(tuán)（越南）。這家公司提供預(yù)付費(fèi)的分發(fā)服務(wù)，允許用戶在為其手機(jī)和游戲內(nèi)容進(jìn)行支付。公司始創(chuàng)于 2007 年，不過運(yùn)行至今尚未迎來比較大的增長(zhǎng)。

VinaPay, which got an investment from three main bodies including: Net-1 Technology Corporation (USA), IDG Ventures (USA), and MK Group (Vietnam). The company is a prepaid distribution that allows users to pay for mobile and gaming content. The company was established in 2007, and since that time hasn’t really taken off yet.

公司網(wǎng)址/company webstite:http://idgvv.com.vn/en/portfolio/vinapay

12、123Pay (來自 VNG)

科技大鱷 VNG 的作品，該市場(chǎng)的最新玩家。對(duì)于零售商戶來說，使用他們的服務(wù)相對(duì)也比較便宜。其母公司 VNG，最近謠傳可能要關(guān)閉他們的電商平臺(tái) 123mua.vn。但從最近的舉動(dòng)上來看，很有可能會(huì)將兩家主要電子商務(wù)平臺(tái)的用戶導(dǎo)入這個(gè)支付業(yè)務(wù)。該公司也是越南領(lǐng)先的游戲公司，正向其社交游戲競(jìng)爭(zhēng)對(duì)手 Zing 和 Zalo 一樣，這些游戲的用戶也將會(huì)有很大機(jī)會(huì)使用該支付業(yè)務(wù)。

A new player into the market from tech juggernaut VNG. It’s also one of the cheaper options for retailers. VNG, which recently was rumored about to shutter its e-commerce platform, 123mua.vn, has since bounced back. Obviously, it is able to leverage its two e-commerce platforms including 123mua.vn to get users on 123Pay. VNG is also the leading game company in Vietnam as well as social media company with Zing and Zalo. This allows VNG to leverage on its database to get users on its payment platform.

該公司也是越南領(lǐng)先的游戲公司，正向其社交游戲競(jìng)爭(zhēng)對(duì)手 Zing 和 Zalo 一樣，這些游戲的用戶也將會(huì)有很大機(jī)會(huì)使用該支付業(yè)務(wù)。類似**artLink，也是各種付款方式的集成平臺(tái)，支持國(guó)際信用卡以及當(dāng)?shù)劂y行卡，可提供電話充值、電視節(jié)目付費(fèi)、日常生活繳費(fèi)等服務(wù)。

The company is also a leading game company in Vietnam, and like its social gaming compe**s Zing and Zalo, users of these games will also have a great opportunity to use the payment service. Similar to **artLink, it is also an integrated platform for various payment methods, supporting international credit cards and local bank cards, providing services such as phone recharge, TV program payment, and daily payment.

公司網(wǎng)址/company webstite:https://123pay.vn/info/

13、2C2P (來自泰國(guó))

這家公司的原注冊(cè)地在泰國(guó)。因地制宜地采用了讓用戶在線訂購(gòu)，去本地的 7-11 零售店取貨的方式，獲得了泰國(guó)市場(chǎng)的支配地位，馬上就進(jìn)入了越南市場(chǎng)。當(dāng)用戶在 7-11 便利店付款之后，該便利店將會(huì)通知這家電子商務(wù)網(wǎng)站，他們會(huì)及時(shí)將物品送到用戶手中。創(chuàng)始人 Aung Kyaw Moe 描述說，這種消費(fèi)者和商戶的服務(wù)模式，是在當(dāng)本地市場(chǎng)接受信用卡大范圍到來之前的一種過渡形態(tài)。

This startup, which dominates Thailand with a payment platform that gets users to book an item online and then go to the local 7/11 to pay, is soon entering the Vietnamese market. After a user pays at 7/11, the 7/11 will ping the e-commerce site and they will then ship their items to the users. The founder, Aung Kyaw Moe, has stated that the 2C2P model is a transitionary model until the local market becomes more credit card friendly.

公司網(wǎng)址/company webstite:https://www.2c2p.com

14、Vietpay

Vietpay 始創(chuàng)于 2006 年，允許人們通過手機(jī)付款。這家公司可能讓你想起肯尼亞的另一家公司 mPesa，問題不僅是在于其傳輸費(fèi)用，而且還包括植入問題。同樣該公司沒有引起該領(lǐng)域的廣泛關(guān)注。他們與電信** Mobifone 的合作可能是其秘密武器之一；不過從 2006 年這個(gè)合作就已經(jīng)啟動(dòng)了。

Vietpay was started in 2006 and allows people to pay via SIM. This may remind you of mPesa in Kenya, but the problem is not only the transaction fee but also the implementation. As yet, Vietpay has not made significant traction in the space. To its credit, it is working with Mobifone, and that may be its secret sauce. But it’s been working at this since 2006.

公司網(wǎng)址/company webstite:http://m0.vietpay.vn/index.vp

15、Viettel, Mobifone, Vinaphone 等越南電信**

越南的電信**都是經(jīng)過越南**授權(quán)的不同分支運(yùn)行的。這導(dǎo)致越南移動(dòng)設(shè)備的覆蓋率非常廣泛，定價(jià)很便宜，但同時(shí)也讓越南移動(dòng)通信的發(fā)展比較滯后。截至目前，移動(dòng)交易是允許的，但是電信**從每筆電子交易當(dāng)中會(huì)抽成 30-50%，無(wú)論如何，這并沒有阻止一些公司的崛起。比如在線教育公司 Deltaviet。他們 90% 的銷售都是通過短信達(dá)成的。如果越南電信巨頭節(jié)省他們的手續(xù)費(fèi)用，這個(gè)市場(chǎng)將很快爆發(fā)性增長(zhǎng)。這項(xiàng)措施也對(duì)于列在這里的所有創(chuàng)業(yè)公司造成了重創(chuàng)。很不幸的是，上層管理機(jī)構(gòu)目前尚沒有放開手續(xù)費(fèi)的意愿。

Vietnam’s telcos are all run by various branches of the Vietnamese government. This has been the main cause for Vietnam’s coverage and pricing of mobile services to be so widespread and cheap but also has lead to Vietnamese mobile services being held back. Currently, mobile transactions are allowed, but the telcos take anywhere from 30 to 50 percent of each mobile transaction. But this has not stopped companies like Deltaviet, an online education company, from getting over 90 percent of its transactions via **S transaction. If the Vietnamese telcos lowered their cut, the market would explode. It would also cut deeply into all the startups listed here. Unfortunately, this has not been implemented by upper management yet.

公司網(wǎng)址/company webstite:

16、GiaoHangNhanh

有些人可能會(huì)批評(píng)我把 GiaoHangNhanh 加進(jìn)這個(gè)名單，無(wú)論如何，這是一家給電商的物流公司。但不僅如此，這是越南人現(xiàn)金支付文化的一個(gè)延伸。通過運(yùn)送和收集全國(guó)范圍內(nèi)的支付，允許從小到大的越南電商網(wǎng)站獲得支付信息。這個(gè)集物流與付款在一起的渠道，是名副其實(shí)的市場(chǎng)參與者。不同于 2c2p 通過便利店來擴(kuò)展他們的業(yè)務(wù)，該公司選用的是摩托車。

Some may criticize the addition of GiaoHangNhanh here. After all, it is a logistics company for e-commerce. Not only that, it’s an extension of Vietnam’s cash-on-delivery culture. Nevertheless, by delivering and collecting payment from e-commerce customers across the country and enabling **all and large e-commerce sites in Vietnam to collect payment, this is clearly a real player. Instead of leveraging 7/11’s (a business that has not yet entered Vietnam) like 2C2P, GiaoHangNhanh leverages motorbikes.

公司網(wǎng)址/company webstite:https://ghn.vn

17、Zship

Zship 是 GiaoHangNhanh 在電商領(lǐng)域的主要競(jìng)爭(zhēng)對(duì)手，主要專精于食品運(yùn)送。它也因?yàn)槎▋r(jià)比對(duì)方低一點(diǎn)點(diǎn)而廣為人知。這同樣是一個(gè)在運(yùn)輸過程當(dāng)中達(dá)成結(jié)算的在線商務(wù)平臺(tái)。

Zship is one of GiaoHangNhanh’s key compe**s in the e-commerece and especially food delivery space. It’s also known to be just a little cheaper. Again, this is about cash-on-delivery enabling online commerce.

公司網(wǎng)址/company webstite:http://zship.vn

18、VNG 的刮刮卡

在 VNG 發(fā)布了 123Pay 和 Zalo 兩項(xiàng)服務(wù)之前。公司已經(jīng)十分有錢，而且因其在**金山（應(yīng)該是騰訊或網(wǎng)易？）學(xué)起來的一個(gè)想法而廣為人知。該公司在全國(guó)范圍內(nèi)銷售用涂層覆蓋密碼的充值卡。這些卡片可以用來充值在線游戲。這是 VNG 公司自己建立起來的系統(tǒng)，不僅可以屏蔽電信**的手續(xù)費(fèi)，同樣也將用戶們鎖定在了他們的應(yīng)用或游戲內(nèi)付款的環(huán)節(jié)中。這種游戲卡美中不足是只能用在該公司自己的游戲和應(yīng)用生態(tài)系統(tǒng)中。

Long before VNG released 123Pay and Zalo, VNG got rich and famous off of an idea that it learned from Kingsoft in China. It sold scratchcards to internet shops across the country. These scratchcards were then used to pay for online purchases of games. This is a system that VNG built itself to not only avoid the transaction fees from telcos but also to lock users into their game environments. Today, the scratchcards are still in play, allowing users to buy online in-app or in-game purchases. The scratchcard system though, is not used outside of the VNG ecosystem of games and apps.

公司網(wǎng)址/company webstite:https://www.vng.com.vn

越南在線支付領(lǐng)域的綜述

就像你看到的一樣，在越南的在線支付平臺(tái)擴(kuò)展范圍非常廣泛。從非常小眾的在配送過程當(dāng)中付款的物流模型，到包羅萬(wàn)象涵蓋整個(gè)支付流程的全功能公司。盡管這些公司當(dāng)中很多都想到了獨(dú)特的想法來完成支付，他們當(dāng)中并沒有產(chǎn)生在美國(guó)如 Paypal 地位的公司。也沒有像 Venmo 一樣充滿希望的小玩家，能夠讓用戶始終在該平臺(tái)上保持粘性。

As you can see, there’s a wealth of payment platforms in Vietnam spanning from very niche cash-on-delivery logistics models all the way to companies that offer the entire spectrum of services. Although many of these companies have leveraged unique ideas to get payment, there is no clear leader that dominates like PayPal in the USA, and no promising **all players like Venmo, which get users to pay in new ways that are sticky.

拓展知識(shí)：