Which are the Best Crypto Payment Gateways in Vietnam in 2026?

Key Insights:

• Vietnam enforced a new law on the digital technology industry on January 1, 2026, which legally regarded crypto as property.
• There, most crypto payment gateways don’t initiate crypto payments directly and instead rely on asset-to-fiat features.
• Crypto payment gateways in Vietnam partner with local providers like VietQR to offer services to their users.

Vietnam ranks among the leaders worldwide concerning cryptocurrency adoption and digital asset usage. The young population, high technology adoption rates, and remittances contribute significantly to fast growth.

Still, regulations remain strict in Vietnam. The State Bank of Vietnam does not accept cryptocurrency as legal tender. Besides, the SBV forbids merchants from accepting crypto payments for their services or products.

Companies adapt to the regulations and choose practical payment workarounds instead. The vast majority of crypto payment gateways do not perform crypto payments directly for merchants. Most gateways operate via an Asset-to-Fiat approach.

Users make payments via cryptocurrencies (for example, USDT and USDC). In the background, crypto payment gateways instantly convert these funds into Vietnamese Dong (VND). Afterward, merchants receive fiat currency using official channels.

Every invoice and settlement occurs only in VND to achieve total SBV compliance. There are also several companies integrating with licensed payment providers in Vietnam.

For example, many providers have been working with the VietQR payment network. The National Payment Corporation of Vietnam (NAPAS) developed it.

Also, some platforms cooperate with local payment wallets (for example, with MoMo). Freelancer payout services are gaining popularity in Vietnam.

Companies provide funds in stablecoins, and people withdraw funds via licensed on-ramp services. Finally, all received funds are deposited in regular accounts in Vietnamese banks.

Regulatory Context (2026 Update)

The new Law on Digital Technology Industry entered into force in Vietnam on January 1, 2026. According to the legislation, the country recognized cryptocurrencies and digital assets as property.

This development represents a major step forward for Vietnam’s digital asset industry. It also enables a five-year pilot program for crypto asset markets.

Despite this progress, digital assets cannot be considered legal tender for everyday consumer transactions. Banks also continue to operate under strict limitations on cryptocurrency-related activities.

The sandbox program and pilot projects will continue functioning under the supervision of the authorities. All crypto trading and settlement transactions will occur in Vietnamese Dong.

Businesses need to choose a compliant crypto payment gateway for fiat settlement to avoid legal problems.

Regionally Integrated and Vietnam-Specific Crypto Payment Gateways

Bitget Wallet (VietQR Integration)

Bitget Wallet was one of the earliest platforms offering crypto-to-fiat payments through VietQR integration. The platform allows scanning QR codes at almost 2 million locations across the country.

The crypto payment gateway supports stablecoins such as USDT and USDC. Moreover, users can spend them in Bitget Wallet across several blockchain networks: Ethereum, Tron, Solana, Base, BNB Chain, and TON.

Crypto Payment Gateway Bitget Wallet’s Official Page | Source: bitget.com

The platform automatically converts crypto assets to VND during checkout. Afterward, merchants receive local currency using the existing banking and payment systems.

Bitget Wallet works with payment provider AEON and integrates with more than fifty-five Vietnamese banks. Transaction fees remain rather low here, and there are regular cashback campaigns for eligible users.

Currently, Bitget Wallet stands among the most practical solutions for crypto payments in Vietnam.

JuPay

JuPay is a relatively new crypto payment gateway. It operates under a specific category: Fiat On-Ramp / Local Deposit Only. Ju.com, an exchange, first announced its JuPay global payment ecosystem in October 2025 at the TOKEN2049 event in Singapore.

They launched the official merchant solution, the JuPay Payment Gateway, on December 16, 2025. In the same month, JuPay rolled out its localized deposit channels for both Vietnamese Dong (VND) and Korean Won (KRW).

Merchants in Vietnam can’t use JuPay’s “Payment Gateway” or “JuCard Visa” to accept crypto directly at checkout. Using it would violate the State Bank of Vietnam’s rules, which prohibit crypto payments for everyday goods and services.

The platform operates on the user side only and allows investors to legally fund their crypto wallets. For the Vietnamese market, JuPay integrated the local VietQR code payment system into its platform. This allowed Vietnamese users to deposit VND into the Ju app using mainstream local banking applications.

Vietnam allows JuPay to facilitate its users with its “Fiat Deposit” feature. Users use their local bank apps to buy or deposit fiat. JuPay then helps convert them into cryptocurrencies like BTC or JU.

Pay with Moon

Pay with Moon is an ideal crypto payment to use while shopping online in Vietnam. Major e-commerce sites in Vietnam don’t accept crypto directly due to regulatory restrictions. Customers use Moon to purchase a virtual Visa card or branded gift cards with Bitcoin or USDT.

Users can buy Moon Visa cards on the Pay with Moon Homepage using their crypto wallet. These cards are loaded with USD. Consumers can utilize them anywhere in the world where Visa cards are accepted.

The platform also facilitates crypto-to-fiat conversion services. Businesses in Vietnam simply process a standard international card payment in local currency. To their ease, the Moon ecosystem automatically converts crypto payments to VDN.

This method works smoothly. However, users frequently run into roadblocks in Vietnam. Many have complained that local merchants block international virtual cards.

Strict domestic address verification requirements and local fraud prevention controls play an important role in enforcing the restriction.

XaiGate

XaiGate is another crypto payment gateway heavily restricted in Vietnam due to local regulations. Vietnamese merchants can’t use this platform to accept crypto payments from domestic shoppers. Instead, they use XaiGate to receive payments from international customers.

It is a non-custodial payment processor. The solution never holds the merchant’s money. At checkout, the gateway generates a fresh address and pushes funds straight into the private external wallet.

This allows merchants to handle their digital assets independently without a local custodian breaking domestic banking rules. XaiGate prioritizes stablecoins like USDT, USDC, and PYUSD. Vietnamese businesses use it to avoid price volatility when converting their overseas sales revenue.

The platform employs the Bitcoin Lightning Network for instant transactions and charges low processing fees. Its free tier offers 500 free transactions per month. Once the free threshold is exhausted, transactions carry a flat 0.2% fee. It further drops to 0.15% on premium enterprise tiers.

Overall, Vietnam’s crypto payment market continues evolving through innovation and regulatory adaptation. The 2026 legal framework provides greater clarity for digital asset activities.

Crypto payment gateways such as Bitget Wallet drive everyday adoption. Global payment tools also support the growth of e-commerce and cross-border business activity.

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