# ZaloPay QR

> Source: https://docs.barcoder.ai/docs/standards/zalopay-qr
> research date 2026-05-30 · extracted at 2026-05-30
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Zalopay QR multi-function — Zalopay Docs](https://docs.zalopay.vn/docs/guides/payment-acceptance/zalopay-emvco-qr/intro/)
- [EMV QR Code Specifications — EMVCo](https://www.emvco.com/emv-technologies/qr-codes/)

# ZaloPay QR

## Overview

**ZaloPay QR** — branded **"QR đa năng"** (multi-function / universal QR) — is the merchant-payment QR format used by **ZaloPay**, a leading Vietnamese e-wallet operated by **VNG Corporation** <sup>[1][1], [3][3]</sup>. It is an **EMVCo Merchant-Presented Mode (MPM)** payload: a single printed code that the customer can pay either in the ZaloPay super-app or, because the same code embeds a [VietQR](https://docs.barcoder.ai/docs/standards/vietqr)-compatible template, in any of 40+ NAPAS-member bank apps <sup>[1][1], [2][2]</sup>. ZaloPay launched the format in **July 2023** in cooperation with NAPAS, and within six months it was live in over **12,000 store chains**, with about **19 % of its transactions coming from bank apps** rather than the ZaloPay wallet <sup>[3][3], [5][5]</sup>. ZaloPay is Vietnam's **second-largest e-wallet** (after MoMo), reporting **14 million users** in 2024 <sup>[3][3]</sup>.

## History

ZaloPay grew out of **VNG Corporation** (founded 9 September 2004 as VinaGame; Vietnam's first tech unicorn at a US$1 B valuation in 2014) and its **Zalo** messaging app (released 8 August 2012 for iOS/Android, reaching 10 million users within 18 months) <sup>[7][7]</sup>. ZaloPay itself was launched by VNG in **2016** as a mobile payment application built on top of the Zalo user base <sup>[7][7], [3][3]</sup>. The product is operated by the legal entity **ZION Joint Stock Company**, VNG's payments subsidiary <sup>[8][8]</sup>.

**Mid-2023 — VietQR disruption.** ZaloPay recognised the market shift caused by the rapid growth of [VietQR](https://docs.barcoder.ai/docs/standards/vietqr) (NAPAS's national interbank QR, which scaled fast through 2023) and responded by building a QR that works on the VietQR rails rather than competing with them <sup>[3][3]</sup>.

**July 2023 — "QR đa năng" launched.** ZaloPay was one of the pioneers cooperating with **NAPAS** to launch a multi-function QR based on the VietQR standard, accepting payments from all banking apps and e-wallets <sup>[2][2], [3][3]</sup>.

**Within six months (by early 2024).** The format reached **12,000+ store chains** — including major fast-food and convenience-store networks — and recorded roughly **19 % of transactions through bank apps** <sup>[3][3], [5][5]</sup>.

**2024.** ZaloPay reached **14 million users** and launched a new brand identity oriented toward sustainable financial products <sup>[3][3]</sup>.

**Mid-2025.** ZaloPay reported **~20 million active users** through deeper Zalo-chat integrations (bill splitting, gifting), and **~12 million digital red envelopes** ("lì xì") were sent through the wallet during Lunar New Year alone <sup>[9][9]</sup>. ZaloPay sits within a top-five (MoMo, ZaloPay, ViettelPay, ShopeePay, VNPay) holding the bulk of Vietnam's **US$40.5 B mobile-payments market** <sup>[9][9]</sup>.

## Technical specification

ZaloPay QR follows the **EMVCo Merchant-Presented Mode (MPM)** TLV (tag–length–value) structure — the same container family used by [VietQR](https://docs.barcoder.ai/docs/standards/vietqr) and [QRIS](https://docs.barcoder.ai/docs/standards/qris) <sup>[1][1], [4][4]</sup>:

- **Tag 00** — Payload Format Indicator (`01`) <sup>[4][4]</sup>.
- **Tag 01** — Point of Initiation Method (`11` static, `12` dynamic) <sup>[4][4]</sup>.
- **Tags 26–51** — Merchant Account Information templates. Each begins with sub-tag **`00`** carrying a globally unique identifier (GUID) <sup>[4][4]</sup>.
  - ZaloPay's native template is keyed by the ASCII GUID **`vn.zalopay`** <sup>[1][1], [4][4]</sup>.
  - A parallel **[VietQR](https://docs.barcoder.ai/docs/standards/vietqr)** template carries the GUID **`A000000727`** (NAPAS) with beneficiary identifier **`9704...`** routed via partner bank **BVBank (Ban Viet Bank)** — each ZaloPay merchant is assigned a corresponding BVBank account so bank apps can settle over NAPAS <sup>[2][2], [4][4]</sup>.
- **Tag 52** — Merchant Category Code.
- **Tag 53** — Transaction currency (`704` = VND) <sup>[4][4]</sup>.
- **Tag 54** — Transaction amount (omitted for static codes) <sup>[4][4]</sup>.
- **Tag 58** — Country code (`VN`) <sup>[4][4]</sup>.
- **Tags 59 / 60** — Merchant name and city <sup>[4][4]</sup>.
- **Tag 62** — Additional data (reference label, bill number) <sup>[4][4]</sup>.
- **Tag 63** — CRC-16/CCITT-FALSE checksum over the whole payload <sup>[4][4]</sup>.

An observed ZaloPay payload begins `000201...26520010vn.zalopay...0010A000000727...9704...QRIBFTTA...5802VN...6304` — i.e. one Merchant Account Information template carrying the `vn.zalopay` GUID alongside the NAPAS `A000000727` VietQR routing data, currency `704`, country `VN`, terminated by a tag-63 CRC <sup>[4][4]</sup>.

The live **playground** on this page demonstrates the EMVCo MPM container with ZaloPay's **tag-26** template (`vn.zalopay`). Production ZaloPay merchant codes additionally embed a **parallel VietQR template** (GUID `A000000727`, via BVBank) so that non-ZaloPay bank apps can scan and pay the same code; the single-encoder demo shows one template at a time.

**Static vs dynamic** <sup>[1][1]</sup>:
- **Static** — a fixed QR placed at the counter; the customer enters the amount. For stores without a POS, ZaloPay supplies a printed QR with no technical integration required <sup>[1][1]</sup>.
- **Dynamic** — generated per-transaction (amount embedded) via the Create Order API, displayed on POS/web/app from the response's `qr_code` value <sup>[1][1]</sup>.

## Use cases

- **In-store merchant payments** — the printed "QR đa năng" sticker at the counter, scannable by ZaloPay or any bank app <sup>[1][1], [2][2]</sup>.
- **POS / e-commerce checkout** — dynamic, amount-bearing QR generated server-side per order via ZaloPay's Create Order API <sup>[1][1]</sup>.
- **Cash-on-delivery (COD) collection** — ZaloPay's multi-function QR has been deployed for COD orders by courier **BEST Express** <sup>[6][6]</sup>.
- **Cross-wallet / cross-bank acceptance** — because of the embedded VietQR template, any of the 40+ NAPAS-member bank apps can pay the same code <sup>[1][1], [2][2]</sup>.
- **In-chat P2P transfers and gifting ("lì xì" red envelopes)** — ZaloPay is invoked directly from a Zalo conversation; ~12 million digital red envelopes flowed through the wallet during Lunar New Year 2025 <sup>[9][9]</sup>.
- **Bill splitting inside Zalo group chats** — a feature credited with much of the 2024-2025 user-base growth from 14 M to ~20 M <sup>[9][9]</sup>.
- **Cross-border merchant collection via payment gateways** — ZaloPay is exposed as a payment method through global PSPs (e.g. Antom, Nuvei) so non-Vietnamese merchants can accept Vietnamese consumers, using the same EMVCo MPM payload at acceptance time <sup>[9][9]</sup>.

## Implementations

ZaloPay QR codes are generated server-side from the merchant integration: the `qr_code` value returned by ZaloPay's Create Order API is rendered into the displayed QR <sup>[1][1]</sup>.

**Open-source libraries** (ZaloPay-aware):

| Repo | Language | Stars | License | Last release | Notes |
|---|---|---:|---|---|---|
| [xuannghia/vietnam-qr-pay](https://github.com/xuannghia/vietnam-qr-pay) | TypeScript | 160 | MIT | v1.5.0, May 2025 | Explicit support for **VietQR**, **MoMo and ZaloPay "QR Đa năng"** and **VNPayQR**; encode + decode <sup>[10][10]</sup> |

**Generic EMVCo-MPM libraries** — any of these parses or emits ZaloPay payloads by writing the standard tag-26 Merchant Account Information template with the `vn.zalopay` GUID sub-tag, plus the parallel tag-38 / `A000000727` VietQR template for cross-bank acceptance <sup>[1][1], [4][4]</sup>:

| Repo | Language | Stars | License | Last release | Notes |
|---|---|---:|---|---|---|
| [mvallim/emv-qrcode](https://github.com/mvallim/emv-qrcode) | Java | 128 | Apache-2.0 | v0.1.5, May 2026 | Full MPM v1.1 + CPM v1.1 encode/decode with CRC16 + duplicate-tag checks <sup>[11][11]</sup> |
| [dongri/emv-qrcode](https://github.com/dongri/emv-qrcode) | Go | 58 | — | 2024 | Idiomatic Go MPM/CPM encoder/parser <sup>[12][12]</sup> |

**Closed-source apps**:
- **ZaloPay Merchant** (iOS `id1444720973`, Android `vn.com.vng.zalopay.mep.merchant`) by **ZION Joint Stock Company** — the merchant-facing app that prints/displays "QR đa năng" and reconciles incoming payments; current release v1.5.0 (May 2026) <sup>[8][8]</sup>.
- The consumer **ZaloPay** wallet is the primary scanner alongside Zalo itself; bank-app scanning (40+ NAPAS members) is supported by the embedded VietQR template <sup>[1][1], [2][2]</sup>.

The genuinely ZaloPay-specific integration is at the **PSP layer** — issuing the `vn.zalopay` GUID, opening the shadow merchant account on **BVBank** so NAPAS can route to it, and reconciling the dual-rail settlement.

## Comparison

**vs [VietQR](https://docs.barcoder.ai/docs/standards/vietqr)** — VietQR is the NAPAS bank-rail national standard (tag 38 / GUID `A000000727`); ZaloPay QR is wallet-native (`vn.zalopay`) but embeds a VietQR template for interoperability, so a single sticker serves both networks <sup>[1][1], [2][2]</sup>.

**vs MoMo's QR Đa năng** — MoMo and ZaloPay are Vietnam's two dominant super-app wallets, and both launched near-identical multi-function QR codes settling through **BVBank** onto the VietQR/NAPAS rails <sup>[2][2], [3][3]</sup>.

**vs [EMVCo MPM](https://docs.barcoder.ai/docs/standards/emvco-mpm)** — ZaloPay QR is a wallet-specific profile of the EMVCo MPM specification, distinguished by its `vn.zalopay` GUID <sup>[4][4]</sup>.

**vs [QRIS](https://docs.barcoder.ai/docs/standards/qris) (Indonesia)** — QRIS is a mandated, fully interoperable national EMVCo-MPM scheme; ZaloPay QR is a single Vietnamese wallet's merchant code that achieves interoperability by voluntarily co-embedding the VietQR template <sup>[1][1], [2][2]</sup>.

**vs [Alipay QR](https://docs.barcoder.ai/docs/standards/alipay-qr) (China)** — Both are super-app-issued merchant QRs (Alipay/Alipay+ for Chinese tourists; ZaloPay for Vietnamese consumers), and ZaloPay QR is one of the in-Vietnam codes Alipay+ can scan as part of cross-border tourist acceptance. The choosing criterion for a Vietnamese merchant: **ZaloPay QR plus the embedded VietQR template** covers the domestic + bank-app payer base, while **Alipay+ acceptance** layers on inbound Chinese tourism — distinct payer audiences rather than overlapping rails <sup>[3][3], [Viet Nam report](https://docs.barcoder.ai/docs/payments/VN)</sup>.

**vs [SIB UPI QR](https://docs.barcoder.ai/docs/standards/sib-qr) (India) / [BKM Express QR](https://docs.barcoder.ai/docs/standards/bkm-express-qr) (Turkey) — single-issuer overlays on a national standard** — All three are the *same architectural pattern*: a single private issuer (ZaloPay/VNG, South Indian Bank, BKM Express) deploys a merchant QR that piggybacks on the national interoperable QR (VietQR / UPI QR / TR Karekod) without inventing a new wire format. The choosing criterion at standard-design time: **embed the national template** to be scannable by every bank app; **add your own GUID template** to retain wallet-side routing economics. ZaloPay sits in the same family of design decisions <sup>[9][9], [Viet Nam report](https://docs.barcoder.ai/docs/payments/VN)</sup>.

## Fun facts

A single ZaloPay "QR đa năng" can be paid by both ZaloPay users (via the `vn.zalopay` template) and ordinary bank-app users (via the embedded VietQR template), so one printed sticker serves two networks at once <sup>[1][1], [2][2]</sup>.

Rather than fight VietQR's 2023 surge, ZaloPay chose to ride it — building its merchant QR *on top of* the national rail it might have competed with, and within six months was routing ~19 % of "its" QR transactions through rival bank apps <sup>[3][3], [5][5]</sup>.

Both MoMo's and ZaloPay's multi-function QR codes settle through the same partner bank, **BVBank**, which issues each wallet merchant a shadow bank account so NAPAS can route to it <sup>[2][2]</sup>.

**The QR rides a messaging app's user graph.** ZaloPay sits inside Vietnam's dominant messenger Zalo (10 M users within 18 months of its 2012 launch, deep penetration since) — and the wallet's 2024-2025 jump from 14 M to ~20 M users was driven primarily by in-chat features like bill splitting and "lì xì" gifting rather than merchant acquisition; **~12 million digital red envelopes** were sent through ZaloPay during Lunar New Year 2025 <sup>[7][7], [9][9]</sup>.

**Operated by a gaming-company subsidiary.** ZaloPay is run by **ZION Joint Stock Company** — a subsidiary of **VNG**, originally founded as **VinaGame** in 2004 and Vietnam's first tech unicorn. The same legal structure that publishes online games is the regulated payment institution behind the QR <sup>[7][7], [8][8]</sup>.

## Status

**Active** and widely deployed across Vietnamese merchants <sup>[1][1], [3][3]</sup>. ZaloPay remains Vietnam's second-largest e-wallet (14 million users, 2024) behind MoMo, within a top-five (MoMo, ZaloPay, ViettelPay, ShopeePay, VNPay) that holds the bulk of the market <sup>[3][3]</sup>. No deprecation is indicated; the multi-function QR is ZaloPay's primary merchant-acceptance surface and is documented as a current product on docs.zalopay.vn <sup>[1][1]</sup>.

## Sources

[1]: https://docs.zalopay.vn/docs/guides/payment-acceptance/zalopay-emvco-qr/intro/
[2]: https://www.transfi.com/blog/vietnams-top-payment-methods-momo-zalopay-vietqr-explained
[3]: https://www.vietdata.vn/post/competitive-pressure-of-e-wallets-expected-market-share-shift-after-moca-s-exit
[4]: https://www.emvco.com/emv-technologies/qr-codes/
[5]: https://www.vng.com.vn/news/enterprise/ma-qr-da-nang-zalopay-duoc-vinh-danh-giai-phap-chuyen-doi-so-vi-cong-dong.html
[6]: https://www.vng.com.vn/news/press-release/best-express-launches-zalopay-multi-function-qr-code-for-cod-orders.html
[7]: https://en.wikipedia.org/wiki/VNG_Corporation
[8]: https://apps.apple.com/us/app/zalopay-merchant/id1444720973
[9]: https://www.globenewswire.com/news-release/2025/06/23/3103746/0/en/Vietnam-Mobile-Payments-Market-Outlook-to-2029-E-Wallet-Providers-MoMo-ZaloPay-and-VNPay-Dominate-as-Vietnam-Mobile-Payments-Landscape-Heats-Up.html
[10]: https://github.com/xuannghia/vietnam-qr-pay
[11]: https://github.com/mvallim/emv-qrcode
[12]: https://github.com/dongri/emv-qrcode
[vn-cro]: https://docs.barcoder.ai/docs/payments/VN

1. [Zalopay QR multi-function — Zalopay Docs][1]
2. [Vietnam's Top Payment Methods (MoMo, ZaloPay, VietQR) — Transfi][2]
3. [E-wallet market share after Moca's exit — Vietdata][3]
4. [EMV QR Code Specifications — EMVCo][4]
5. [ZaloPay Multi-Function QR honored — VNG][5]
6. [BEST Express launches ZaloPay multi-function QR for COD — VNG][6]
7. [VNG Corporation — Wikipedia][7]
8. [ZaloPay Merchant — Apple App Store][8]
9. [Vietnam Mobile Payments Outlook to 2029 — GlobeNewswire][9]
10. [xuannghia/vietnam-qr-pay — GitHub][10]
11. [mvallim/emv-qrcode — GitHub][11]
12. [dongri/emv-qrcode — GitHub][12]
13. [VN-vietnam.md]<sup>[Viet Nam report](https://docs.barcoder.ai/docs/payments/VN)</sup>

## Deployments

Found in the following country reports (grep across `reports/countries/`):

- **VN** — [VN-vietnam.md](https://docs.barcoder.ai/docs/payments/VN)

## Deployments

_No country reports mention this standard by name._