Freedom251 › Money Transfer Apps
ZaloPay
by ZaloPay
What ZaloPay is
ZaloPay is an e-wallet and payment app for sending money and paying for services. Users can transfer to friends from a Zalo chat without installing a separate app for that action, or send wallet-to-wallet using a phone number, contacts, or QR code. Transfers can include a message or greeting card. The app also supports bill payments, mobile top-ups, online shopping, travel tickets, entertainment services, and QR checkout at merchant counters. ZaloPay lists hundreds of services and thousands of payment locations across Vietnam, and supports linking multiple banks, including Vietcombank, BIDV, and Sacombank. Businesses can connect through an app-to-app SDK that routes customers to ZaloPay for payment and returns a response. Wallet-balance and linked domestic-bank payments are listed as free; customer-initiated transfers have a monthly free allowance of 5,000,000 VND, then cost 3,100 VND plus 0.65% of the transaction value. ZaloPay says it holds PCI DSS and ISO 27001 information-security certifications.
Who it suits
ZaloPay suits people in Vietnam who want wallet transfers, chat-based payments, bill payment, and merchant checkout in one app. Businesses can use its SDK to route payments from partner apps.
What it does well
- Send money within Zalo chat without a separate app action.
- Transfer using a phone number, contacts, or QR code.
- Supports bills, top-ups, shopping, tickets, and entertainment.
- Free wallet-balance and linked domestic-bank payments.
- Offers an app-to-app payment SDK for businesses.
What to know first
- Transfer fees apply after a 5,000,000 VND monthly allowance.
- Some international-card transactions incur fees.
- Privacy policy identifies payment and location data as sensitive.
- Support hotline costs 1,000 VND per minute.
Limits
Customer-initiated transfers have a monthly free allowance of 5,000,000 VND. After that allowance, the listed fee is 3,100 VND plus 0.65% of the transaction value; other transaction fees and limits vary by type.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| ZaloPay | Free transfers between ZaloPay wallets; other transaction fees and limits vary by transaction type | Free |
As zalopay.vn lists them, read 11 Oct 2026. The maker's own page has the final word.
Getting started
- Open the ZaloPay website
- Download the app from the iOS or Android address provided by ZaloPay
- Create a ZaloPay account
- Link a supported bank, such as Vietcombank, BIDV, or Sacombank
- Use a phone number, contact, or QR code to make a transfer or payment
Verdict
ZaloPay combines wallet transfers, chat payments, and service payments, with several ways to send money and pay merchants. Review its transaction-specific fees and personal-data practices before relying on it for regular payments.
Questions
Is ZaloPay free?
ZaloPay has a free plan. Wallet-balance and linked domestic-bank payments are listed as free, while other transaction types may have fees.
Which platforms support ZaloPay?
ZaloPay lists Android, iOS, and API availability. Its operating rules list app downloads for iOS and Android.
Can I transfer money through Zalo chat?
Yes. Users can transfer money to friends from a Zalo chat without installing a separate app for that action.
What is the free transfer allowance?
Customer-initiated transfers have a monthly free allowance of 5,000,000 VND. Transfers above it cost 3,100 VND plus 0.65% of the transaction value.
Can businesses integrate ZaloPay?
Yes. ZaloPay provides an app-to-app SDK that routes users from a partner app to ZaloPay for payment and returns a response.
Who operates ZaloPay?
ZaloPay is a product of ZION Joint Stock Company. The site lists ZION as licensed by the State Bank of Vietnam for payment gateway, collection and disbursement support, and e-wallet services.
Facts from ZaloPay's own pages
- Availability
- The maker’s operating rules list ZaloPay downloads for iOS and Android and say there are no other download addresses for the app. · zalopay.vn, 11 Oct 2026
- Bank links
- The site lists support for linking multiple banks to one ZaloPay account, including Vietcombank, BIDV, Sacombank, and others. · zalopay.vn, 11 Oct 2026
- Business support
- The site lists [email protected] for business registration inquiries and says merchant fees are set by agreement with ZION. · zalopay.vn, 11 Oct 2026
- Company and licensing
- ZaloPay is a product of ZION Joint Stock Company, which the site lists as licensed by the State Bank of Vietnam to provide payment gateway, collection and disbursement support, and e-wallet services. · zalopay.vn, 11 Oct 2026
- Customer support
- The site lists support at 1900 545 436 and [email protected], and a security-report address at [email protected]. · zalopay.vn, 11 Oct 2026
- Exchange-rate model
- variable · zalopay.vn, 22 Sept 2026
- Fees
- The fee schedule lists free wallet-balance and linked domestic-bank payments, while some international-card transactions and transfers above a monthly free allowance incur fees. · zalopay.vn, 11 Oct 2026
- Upfront fee display
- Yes · zalopay.vn, 22 Sept 2026
- Fraud guidance
- ZaloPay advises users never to disclose PINs, passwords, or OTPs and says it will not ask users to provide login credentials together by phone or email. · zalopay.vn, 11 Oct 2026
- Free plan
- Yes · zalopay.vn, 22 Sept 2026
- Headquarters
- Ho Chi Minh City, Vietnam · zalopay.vn, 28 Sept 2026
- Merchant network
- The site says ZaloPay supports hundreds of services and thousands of payment locations across Vietnam. · zalopay.vn, 11 Oct 2026
- Mobile platforms
- both · zalopay.vn, 22 Sept 2026
- Partner payments
- ZaloPay provides an app-to-app SDK so partner apps can route users to ZaloPay to complete a payment and return a response. · docs.zalopay.vn, 11 Oct 2026
- Payment features
- ZaloPay supports QR payments at merchant counters and online payments, including shopping and bill payment. · zalopay.vn, 11 Oct 2026
- Payments
- The app lists bill payment, mobile top-ups, online shopping, checkout QR payments, travel tickets, and entertainment services. · zalopay.vn, 11 Oct 2026
- Personal data
- ZION's privacy policy says payment-intermediary services may process sensitive personal data, including identity, account, funds, transaction, and location data. · zalopay.vn, 11 Oct 2026
- Privacy
- ZION’s privacy policy says it processes personal data to provide services and identifies payment, account, transaction, and location information as sensitive data for licensed payment-intermediary services. · zalopay.vn, 11 Oct 2026
- Product
- ZaloPay is a payment app for transferring money and paying for services, including within Zalo chat. · zalopay.vn, 11 Oct 2026
- Security
- ZaloPay says it holds PCI DSS and ISO 27001 information-security certifications. · zalopay.vn, 11 Oct 2026
- Security certifications
- ZaloPay says it has PCI DSS and ISO 27001 information-security certifications. · zalopay.vn, 11 Oct 2026
- Support
- Customer support is listed at 1900 545 436 and [email protected]; the site says the hotline costs 1,000 VND per minute. · zalopay.vn, 11 Oct 2026
- Transfer features
- Wallet-to-wallet transfers can use a phone number, contacts, or QR code, and users can attach a message or greeting card. · zalopay.vn, 11 Oct 2026
- Transfer limit
- Customer-initiated transfers have a monthly free allowance of 5,000,000 VND, after which the fee is 3,100 VND plus 0.65% of the transaction value. · zalopay.vn, 11 Oct 2026
Where ZaloPay stands on Freedom251
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