Payment Policy

Article 1. Payment Regulations

We accept the following forms of payment:

1. Prepaid payment: Pay online with a domestic ATM card or credit card or pay by scanning a QR code with a mobile application distributed by domestic and international banks in accordance with the Law Current Vietnamese law.
2. Payment after checking: COD (Cash On Delivery).
3. Combined payment: can be combined with e-voucher and e-Coupon to pay for purchases.

Article 2. Details of Payment Forms

1. ATM card (Domestic debit/payment/prepaid card): To pay with a domestic bank card, the customer’s card must be registered to use the online payment feature, or electronic banking of the bank. The transaction must be successfully recorded from the successful authorization notice returned by the payment gateway system (ensuring balance/limit and customer authentication according to card usage regulations).
2. Credit cards, international payment cards, international prepaid cards: VISA, MasterCard, JCB, Union Pay, Amex credit/debit/prepaid cards issued by domestic and foreign banks. The transaction must be recorded and successfully authorized by the correct payment gateway system (ensuring balance/limit and customer authentication according to card usage regulations).
3. e-vouchers and e-Coupons issued by Hoiana are applied to pay for transactions on the website depending on the terms and conditions of issuance of e-vouchers and e-Coupons from time to time.

Article 3. List of Cards Accepted for Online Payment

(Updated according to the service provider ‘s notice)

International card:

• Visa
• Master Card
• JCB
• American Express
• UnionPay

Local card:​

• Agricultural Bank and broadcast development shallow village – Agribank.
• Foreign Commercial Joint Stock Bank Vietnamese trade – Vietcombank.
• Dong A Commercial Joint Stock Bank – Dong A bank.
• Vietnam Joint Stock Commercial Bank for Industry and Trade – Vietinbank.
• Techcombank Vietnamese trade – Techcombank.
• Vietnam International Commercial Joint Stock Bank – VIB.
• Pioneer Commercial Joint Stock Bank – TienphongBank.
• Phat Commercial Joint Stock Bank Ho Chi Minh City Housing Development – HDBank.
• Sai Commercial Joint Stock Bank Gon – Hanoi – SHB.
• Export Bank import Vietnam export – Eximbank.
• Vietnam Maritime Commercial Joint Stock Bank – MSB.
• Viet A Bank – VietA Bank.
• Military Bank – MB.
• Nam A Commercial Joint Stock Bank – Nam A Bank.
• Sai Commercial Joint Stock Bank Gon Thuong Tin – Sacombank.
• Southeast Asia Commercial Joint Stock Bank – SeABank.
• Ocean Commercial Joint Stock Bank – OceanBank.
• Investment Banking and Phat Vietnam Development – BIDV.
• Vietnam Prosperity Bank – VPBank.
• Bac A Commercial Joint Stock Bank – BAC A BANK.
• AN BINH Commercial Joint Stock Bank – ABBANK.

Article 4. Case of Payment Transaction Failed

Unsuccessful payment transactions can be due to many reasons. Please refer to the following reasons:

1. Haven’t registered the Internet payment function with the Bank.
2. For Visa and MasterCard cards: During the payment process, you may be asked to enter the Password of the Verified by Visa or MasterCard Secure Code program… but you have not completed this authentication step.
3. The card does not have enough limit/balance to make payment. Some banks have daily spending limits for cards.
4. Enter incorrect card information.

Please contact Call Center: +84 (0) 235 858 8888  |  +84 (0) 235 858 6666 or the card-issuing bank to find out the exact cause.