越南18家支付平臺完整名單
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越南 18家支付平臺完整名單
A complete list of the 18 payment players in Vietnam
在 越南 支付平臺的競爭者有很多，但是他們都受到銀行的限制，有的沒有準備好，另外一些並不支持。電信運營商對他們態度謹慎。消費者人群對於信用卡的接受度還比較低。但這並不能阻止從內容貨幣化，到網站方面，各種形式的創業公司嘗試出現。
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 competitors, 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 個主要玩家。這個名單從傳統的在線支付平臺，到另一些把數字內容貨幣化的非常規的支付平臺。
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.
你將首先看到一些更加傳統化的在線支付平臺，然後我會列出一些並不完全是支付平臺的名單，但是這些公司同樣在對消費者在某些特定細分領域做支付。最終我總結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.
這是個龐大的名單。所以我可以提前劇透一下這裡面最大的幾家：SmartLink, NganLuong, Mobivi, OnePay, BaoKim, 123Pay。但是在這個非常複雜的生態圖景中，誰會是最後的贏家，只能讓時間來證明。
It’s a big list, so I’ll tell you right now, some of the most significant players include SmartLink, NganLuong, Mobivi, OnePay, BaoKim, and 123Pay. But time will tell who will be the real winner in this very complex landscape.
由於時間倉促我也可能有疏漏，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 由一個擁有數百萬美元資產的 越南 裔 美國 人始創。是 越南 在線支付平臺當中最響亮的名字之一。據坊間傳言通過該平臺運送的現金流達到 3000 萬美元。該平臺長期試驗不同的支付模型， 比如 為非營利組織免費進行移動捐獻，還有通過手機直接讀取在線的信用卡賬單。除了這些試驗之外，該平臺是否聚焦了成為一個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.
公司網址/company webstite: https://www.mobivi.vn
2、NganLuong (來自 PeaceSoft)
該平臺已經從事了移動和在線支付業務很長一段時間。該公司是從其母公司 PeaceSoft 的 Ebay.vn 和 Chodientu.vn 等一大群企業當中脫穎而出的。一家區域性的支付公司 MOL 占有該公司 50% 的股權，這筆交易在今年早些時候完成。他們的服務受到多重因素的保護，不僅是一個電子錢包，而且是 Paypal 類型的支付平臺。
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，擁有超過10，000家電商商戶和500，000個激活賬戶，占據27%的市場份額。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：1.實時到賬；2.無拒付；3.支持線上線下付款。
Payment characteristics: 1. Real-time arrival; 2. No chargeback; 3. Support online and offline payment
公司網址/company webstite: https://www.nganluong.vn/vn/home.html
3、Rev Vietnam
在 越南 居住的絕大多數人可能沒有聽過這家公司，主要是因為其尚未獲得重大的發展。去年該公司就邁出了重要一步。他們嘗試將臨時信用卡推向市場。這些信用卡可以用 20 美元到 100 美元的價值買到。遺憾的是這個虛擬信用卡服務沒有獲得預期的營收，最終關閉了。在那以後，該公司嘗試像 Square 一樣，在任何智能手機上進行移動支付的平臺搭建。目前為止這同樣沒有獲得明顯的營收。主要是因為進入該服務的門檻非常高，想要讓習慣現金的商戶們轉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 smartphone. 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.
公司網址/company webstite: http://revinternetcard.com.vn
4、OnePay
OnePay 是萬事 達卡 在 越南 的官方代表。也運行包括賬單支付，在線轉賬，自動櫃員機，網絡銀行和手機銀行在內的一系列服務。該服務同樣為 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 SMS banking. It’s also backed by Vietcombank, which gives it an even more significant advantage – Vietcombank is Vietnam’s leading bank, after all.
公司網址/company webstite: https://www.onepay.vn
5、1Pay
請不要把這家移動支付領域的新創業公司跟我們上面介紹的 OnePay 相混淆。先不要管這個糟糕的品牌，該公司是在上一家公司之後進入同一個市場的。因為它在移動領域的基礎建設比較薄弱，同時也有後進入市場的更強大的競爭者，它的競爭力並不被人看好。儘管如此，他在最近的東盟創業公司展示 DEMO ASEAN 中依然獲得了二等獎。
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 competitors. That said, it did win the second prize at the recent DEMO ASEAN.
公司網址/company webstite: https://truemoney.com.vn
6、SmartLink
像其競爭者一樣，SmartLink 是一系列支付服務的集合，包括自動櫃員機，收銀機，支付網關，電子商務支付，以及在此之上遍及全城的支付網絡。最近它與另一家公司 Mobivi 簽署了合約，允許人們利用近場支付技術刷卡購買貨物，購買過程通過它們的支付網絡進行。
SmartLink, like its competitors, 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, SmartLink inked a deal with Mobivi to allow people to top up their cards and pay for goods via its kiosks.
公司網址/company webstite: https://smartlink.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 VC Corp 所支持。該集團像 VNG, Vat Gia, PeaceSoft 一樣，旗下運行的系列服務品牌包括 Mua Chung, En Bạc, Dan Tri, Mua re, Rong Bay 等。因此它同樣可以提升其內容，讓用戶使用支付平臺。這是一個能夠接收所有主流自動櫃員機和 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 Bạc, 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。包括一個電子錢包，和類似 PayPal 的信用卡支付平臺。因為其隸屬於 越南 一家最大的電商網站 Vat Gia，其用戶基礎是毋庸置疑的。
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.
公司網址/company webstite: https://www.baokim.vn
9、MoMo (來自 Vinaphone)
這個服務是由 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服務支付賬單和其他的金融業務。用戶使用服務的同一個項目，可以綁定該電話公司的一系列短信業務，同時激活此服務。這也會在用戶的手機卡中自動創建一個電子錢包。
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 SMS’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.
公司網址/company webstite: https://vinaphone.com.vn
10、Payoo
Payoo 是一個小一點的初創公司，並不如他的對手那般功能全面。目前他們只上線了一項功能 PayBill，允許用戶在其平臺上支付賬單，目前為止這家公司沒有獲得特別明顯的註意。
Payoo is a smaller startup, and not as far along as its competitors. 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.
公司網址/company webstite: https://www.payoo.com.vn
11、VinaPay
VinaPay 從三家主要的創業投資機構當中獲得了融資——Net-1（ 美國 ）、IDG 資本（ 美國 ）、MK 集團（ 越南 ）。這家公司提供預付費的分發服務，允許用戶在為其手機和游戲內容進行支付。公司始創於 2007 年，不過運行至今尚未迎來比較大的增長。
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，該市場的最新玩家。對於零售商戶來說，使用他們的服務相對也比較便宜。其母公司 VNG，最近謠傳可能要關閉他們的電商平臺 123.vn 和 123mua.vn。但從最近的舉動上來看，很有可能會將兩家主要電子商務平臺的用戶導入這個支付業務。該公司也是 越南 領先的游戲公司，正向其社交游戲競爭對手 Zing 和 Zalo 一樣，這些游戲的用戶也將會有很大機會使用該支付業務。
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 123.vn and 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 領先的游戲公司，正向其社交游戲競爭對手 Zing 和 Zalo 一樣，這些游戲的用戶也將會有很大機會使用該支付業務。類似SmartLink，也是各種付款方式的集成平臺，支持國際信用卡以及當地銀行卡，可提供電話充值、電視節目付費、日常生活繳費等服務。
The company is also a leading game company in Vietnam, and like its social gaming competitors Zing and Zalo, users of these games will also have a great opportunity to use the payment service. Similar to SmartLink, 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.
公司網址/company webstite: https://123pay.vn/info/
13、2C2P (來自 泰國 )
這家公司的原註冊地在 泰國 。因地制宜地採用了讓用戶在線訂購，去本地的 7-11 零售店取貨的方式，獲得了 泰國 市場的支配地位，馬上就進入了 越南 市場。當用戶在 7-11 便利店付款之後，該便利店將會通知這家電子商務網站，他們會及時將物品送到用戶手中。創始人 Aung Kyaw Moe 描述說，這種消費者和商戶的服務模式，是在當本地市場接受信用卡大範圍到來之前的一種過渡形態。
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.
公司網址/company webstite: https://www.2c2p.com
14、Vietpay
Vietpay 始創於 2006 年，允許人們通過手機付款。這家公司可能讓你想起 肯尼亞 的另一家公司 mPesa，問題不僅是在於其傳輸費用，而且還包括植入問題。同樣該公司沒有引起該領域的廣泛關註。他們與電信運營商 Mobifone 的合作可能是其秘密武器之一；不過從 2006 年這個合作就已經啟動了。
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.
公司網址/company webstite: http://m0.vietpay.vn/index.vp
15、Viettel, Mobifone, Vinaphone 等 越南 電信運營商
越南 的電信運營 商都 是經過 越南 政府授權的不同分支運行的。這導致 越南 移動設備的覆蓋率非常廣泛，定價很便宜，但同時也讓 越南 移動通信的發展比較滯後。截至目前，移動交易是允許的，但是電信運營商從每筆電子交易當中會抽成 30-50%，無論如何，這並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成的。如果 越南 電信巨頭節省他們的手續費用，這個市場將很快爆發性增長。這項措施也對於列在這裡的所有創業公司造成了重創。很不幸的是，上層管理機構目前尚沒有放開手續費的意願。
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 SMS 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.
公司網址/company webstite:
16、GiaoHangNhanh
有些人可能會批評我把 GiaoHangNhanh 加進這個名單，無論如何，這是一家給電商的物流公司。但不僅如此，這是 越南 人現金支付文化的一個延伸。通過運送和收集全國範圍內的支付，允許從小到大的 越南 電商網站獲得支付信息。這個集物流與付款在一起的渠道，是名副其實的市場參與者。不同於 2c2p 通過便利店來擴展他們的業務，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 small 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.
公司網址/company webstite: https://ghn.vn
17、Zship
Zship 是 GiaoHangNhanh 在電商領域的主要競爭對手，主要專精於食品運送。它也因為定價比對方低一點點而廣為人知。這同樣是一個在運輸過程當中達成結算的在線商務平臺。
Zship is one of GiaoHangNhanh’s key competitors 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.
公司網址/company webstite: http://zship.vn
18、VNG 的刮刮卡
在 VNG 發佈了 123Pay 和 Zalo 兩項服務之前。公司已經十分有錢，而且因其在 中國 金山 （應該是騰訊或網易？）學起來的一個想法而廣為人知。該公司在全國範圍內銷售用塗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，不僅可以屏蔽電信運營商的手續費，同樣也將用戶們鎖定在了他們的應用或游戲內付款的環節中。這種游戲卡美中不足是只能用在該公司自己的游戲和應用生態系統中。
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.
公司網址/company webstite: https://www.vng.com.vn
越南 在線支付領域的綜述
就像你看到的一樣，在 越南 的在線支付平臺擴展範圍非常廣泛。從非常小眾的在配送過程當中付款的物流模型，到包羅 萬象 涵蓋整個支付流程的全功能公司。儘管這些公司當中很多都想到了獨特的想法來完成支付，他們當中並沒有產生在 美國 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 small players like Venmo, which get users to pay in new ways that are sticky.
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