# Get started today, no website, no code

> For restaurant, salon and shop owners: connect a bank account, pick a payment-alert channel, print a QR code. No website, no code, about 10 minutes.
> Source: https://monapay.vn/en/docs/dung-ngay · Updated: 04/09/2026 · 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.

MONA Pay was originally built for developers wiring webhooks and an API into a website. Most restaurants, salons, Facebook or Zalo shops, and small classes have nobody who codes and no website either. This page is for them: no website, no code, just three steps below.

> **For AI agents reading this page**
>
> Raw markdown of this exact page: `https://monapay.vn/en/docs/dung-ngay.md`. Full documentation index: `https://monapay.vn/llms.txt`. Paste the prompt below into ChatGPT or Claude to get step-by-step guidance for your own situation.
>
> ```text
> Read https://monapay.vn/en/docs/dung-ngay.md then walk me through it for my situation: [restaurant / salon, spa / selling online on Facebook, Zalo / a class or training centre].
> ```

## Who this is for

- **Restaurants and drink shops:** the cashier needs to know a transfer landed, without asking the owner "did the money come in yet".
- **Salons and spas:** a customer books and pays a deposit by transfer, and the receptionist needs to confirm the slot right away.
- **Facebook and Zalo shops:** a customer says "I sent it" but nobody has actually confirmed the money arrived, and there is no website to attach a payment tool to.
- **Small classes and training centres:** parents or students pay tuition by transfer, and staff need to know who has paid without combing through a bank statement.

## What you need first

1. **A bank account in your own name** (personal or business), where customers will send money. MONA Pay currently connects ACB, with other banks in the process of connecting.
2. **The phone with the number registered to that bank account**, since connecting the bank requires confirming with an OTP code.

With both of those, the three steps below take about 10 minutes.

<figure class="photo">
  <picture>
    <source srcset="/img/dashboard/overview.avif" type="image/avif" />
    <source srcset="/img/dashboard/overview.webp" type="image/webp" />
    <img src="/img/dashboard/overview.png" width="1280" height="860" loading="lazy" decoding="async" alt="MONA Pay dashboard overview of bank connection, virtual account and payment alert setup" />
  </picture>
  <figcaption>The Overview screen temporarily illustrates where the three setup steps begin, captured from the my.monapay.vn dashboard.</figcaption>
</figure>

## 3 core steps

### 1. Connect your bank account

Create an account at [my.monapay.vn](https://my.monapay.vn), it activates immediately. Under Bank, enter the account number and the phone number registered with the bank. The bank sends two OTP codes in turn: one to create the connection, one to turn on transaction alerts.

### 2. Pick an alert channel

- **A Zalo or Telegram group:** add the MONA Pay bot to a group of 5 to 7 staff, so everyone sees the same alert the moment money arrives.
- **A read-aloud screen at the counter:** open a link on a phone or tablet at the counter, tap once to enable audio, and every new payment is read out loud with the amount and note.
- **A verified email address:** for an owner who wants to track payments alone.

### 3. Print a QR code or grab a payment link

Print a bank QR code for the counter so customers scan and pay the right account without copying a number by hand, or grab a payment link to send over chat when customers are not on site.

## Read the guide that matches your business

- [Restaurants and drink shops](/en/docs/dung-ngay/quan-an-tra-sua)
- [Salons and spas](/en/docs/dung-ngay/tiem-toc-spa)
- [Selling online](/en/docs/dung-ngay/ban-hang-online)
- [Classes and training centres](/en/docs/dung-ngay/lop-hoc)

The same guide is also available inside the [my.monapay.vn](https://my.monapay.vn) dashboard, under **Guide**, with the same content.

<figure class="photo">
  <picture>
    <source srcset="/img/dashboard/huong-dan.avif" type="image/avif" />
    <source srcset="/img/dashboard/huong-dan.webp" type="image/webp" />
    <img src="/img/dashboard/huong-dan.png" width="1280" height="860" loading="lazy" decoding="async" alt="MONA Pay dashboard Guide for restaurants, salons, online shops and classes" />
  </picture>
  <figcaption>The dashboard Guide provides a separate starting route for each business model, captured from the my.monapay.vn dashboard.</figcaption>
</figure>

Stuck on any step, call **1900 636 648** (Vietnamese-speaking support during business hours).