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NAPAS

NAPAS is Vietnam’s national payment switching and clearing infrastructure. It connects banks, card issuers, ATMs, POS terminals and digital payment services across the country. NAPAS plays a central role in Vietnam’s domestic card and account-to-account payment ecosystem and supports QR payment initiatives such as VietQR. For merchants and payment providers, NAPAS is a foundational payment network for accessing Vietnam’s local banking and digital payment infrastructure.

Method
NAPAS
LPM Market Share
n/a
Payments
Yes
Refunds
Yes - full and partial refunds (automated)
Type
Local Card Scheme
Local Card Scheme
Users
110M
Disbursements
No
No
Chargebacks
No
Authorization currency
VND
Authorization
speed
Instant
Recurring
No
No
Notify when available

Reasons for Popularity

Convenience: NAPAS cards are widely accepted across Vietnam, with over 300,000 payment terminals and e-commerce platforms supporting them

Accessibility: NAPAS cards can be used for interbank transfers and withdrawals

National Payment Infrastructure: Napas has played a key role in developing a robust payment infrastructure within Vietnam.

Related Resources