Vietnamese bank transfers,
confirmed in real time
MONA Pay is the payment gateway and bank API of The MONA Group that lets Vietnamese businesses receive and confirm bank transfers in real time via virtual accounts (VA), VietQR, webhooks and Telegram — built so both developers and AI agents can integrate in minutes. Money goes straight into the merchant's bank account; MONA Pay only reads the bank's transaction notification and forwards it as a signed webhook or a Telegram message. Completely free, no transaction limit, self-serve sign-up.
Vietnamese version: monapay.vn · Machine-readable: llms.txt · openapi.json
Six steps from sign-up
to the first confirmed payment
Sign up and log in
Create an account at my.monapay.vn (or POST /api/v1/client/register-client). It works immediately; nobody has to approve it.
Create an API key
POST /api/v1/client-keys/generate returns a client_secret shown once. Send it as X-Client-Secret on every write request.
Link an ACB account
Enter the account number and phone, confirm two OTPs from ACB (one to create the virtual account, one to register notifications). About 5 minutes in the dashboard.
Register a webhook URL
POST /api/v1/client-webhooks with HMAC_SHA256 and a secret. MONA Pay signs every delivery with X-Mona-Signature and X-Mona-Timestamp.
Verify and answer 200
Recompute HMAC-SHA256(secret, timestamp + "." + raw_body), reject drift over 300 s, answer within 10 s, deduplicate by transaction_code.
Send a test, then go live
POST /api/v1/client-webhooks/test fires a DUMMY123 payload. Then a real transfer into the virtual account shows up on the dashboard and at your endpoint within seconds.
What you get
Virtual accounts
One ACB account number per order or customer. Money lands in your real account; the VA tells you which order paid, no transfer-note parsing.
Dynamic VietQR
QR codes with the amount and reference pre-filled, readable by every Vietnamese banking app. Create them via API or in the dashboard.
Signed webhooks
HMAC-SHA256 with a 5-minute replay window, per-delivery logs with error labels, manual resend, success-rate and P95 statistics.
Telegram
Every incoming transfer posted to your company's Telegram group, no code required.
Built for AI agents
llms.txt, a raw .md version of every docs page and openapi.json on the main domain. Paste one prompt into Claude Code, Codex or Cursor and the agent integrates on its own.
Free, no limit
No percentage on your money, no setup fee, no transaction cap. Fair-use limits only to stop abuse.
Banks and coverage
ACB is live today; MB, BIDV, VietinBank, OCB, MSB, KienlongBank and TPBank are in the partner-registration process. Webhooks, Telegram and the API are shared across banks and the payload carries bank_name, so adding a bank never changes your integration. Status table: supported banks (Vietnamese).
MONA Pay is a product of The MONA Group (founded 2016, 14.000+ web and software projects, 85% of customers return). Since 2022 more than 6,000 new MONA customers have collected payments through this system; in 2026 it opened to every business. Support: 1900 636 648 · [email protected].