Assume you already created and activated your accounts with the following 4 services, and your Internet Banking ready with your bank account.
1. Click here: WebSieuThi.vn (the link is different from what it is shown, so just click on the link)
Pay via NganLuong.vn
The two advantages with paying with NganLuong is: (1) condition-free instantaneous (though technically manual) (2) currently free of charge. Technically, certain manual internal processes in NganLuong are required to balance different accounts, but why should users care anyway?!
On a side note, WebSieuThi offers online lottery which is unique to Vietnam e-commerce. When the service launches I’ll update another review.
2. Click here: MobiVi.vn
Pay via MobiVi’ account.
3. Click here: PayCode.com.vn
This is a service by Viet Union, the company owning Payoo.
Pay via Payoo account.
4. Click here: PayGate.vtc.vn
I have an issue with MobiVi’, Payoo and VTC paygate. My current main bank account is with TienPhongBank. However, neither of them connects to TienPhongBank, nor do they maintain a bank account with the bank.
Here are the steps I need to perform.
Interbank transfer via Internet Banking from my TienPhongBank account to a bank account of MobiVi / Payoo which costs me transaction fee (fixed VND8,800 for TienPhongBank). This goes through the same old interbank transfer channel. The transfer is processed by the staff or MobiVi’ system (hopefully) to my respective wallet.
When I transfer money 4:30pm Friday, I need to wait till Monday for money to come in my wallet.
The problem is solved with Payoo if you have a bank account with the banks in the first list of this link. The problem is also solved with MobiVi’ if you have a bank account with the 5 banks (VIB, Techcombank, Dong A Bank, Lien Viet Bank, Nam A Bank) that MobiVi’ connects core-to-core to. In these two cases, transfer is instantaneous. I am currently not having information on VTC paygate if the transfer to these banks is instantaneous, but my wild guess is not yet.
5. Click here: VnExpress eBank
Direct topup not going through any e-wallet, on the condition that you need to have Internet Banking or SMS Banking from VCB, TCB, VIB, EIB, MB, Vietinbank, HDbank, ACB, Sacombank
6. Click here: PinCode.vn
Supports NganLuong and BaoKim.vn.
Conclusion: I’ll just use whoever supports NganLuong.