PAYDI is an abbreviation for DIGITAL PAYMENT VIETNAM Joint Stock Company, formerly known as BANKMART, a pioneering enterprise providing card payment services through POS terminals in Vietnam, with over 18 years of experience.

PAYDI operates in the fintech sector, offering comprehensive business solutions for enterprises/stores, catering to almost every payment need across various industries and business scales, thanks to flexible payment methods and diverse financial lending solutions. It serves multiple customer groups (enterprises, business household, customers) on a single SmartPOS terminal, helping to enhance their business advantages.

PAYDI provides the following services:

• Bank card payments (domestic and international credit, debit cards), all types of QR Codes (e-wallets, Mobile Banking Apps).
• 0% interest installment conversion through credit cards of more than 23 domestic banks.
• Buy Now Pay Later: offering flexible personal loans for buyers when they don’t have cash or credit cards available.
• Quick capital for SMEs: providing quick loans based on PAYDI’s transaction history (at least 6 months) with flexible repayment terms and methods.
• Integration of businesses’ proprietary software (payment, sales management, etc.) with SmartPOS terminals, facilitating synchronized reporting, reconciliation, and centralized management of business information (orders, marketing campaigns at each stage, etc.), as well as customer data (contact information, purchase frequency, shopping habits, etc.), making it easy to process and utilize.

PAYDI has 10 outstanding highlights that surpass traditional banks:

• Comprehensive business solutions, offering multiple services on a single smart payment terminal.
• 0% interest installment conversion services through credit cards of more than 24 domestic banks.
• Fast processing and POS installation time, only 1-3 days.
• Competitive Merchant Discount Rate (MDR).
• Twice-daily settlement (T+0), enabling flexible cash flow.
• Real-time transaction reports, convenient for checking anytime, anywhere.
• Quick storage of transactions and electronic signatures, facilitating easy retrieval and reconciliation when needed.
• Detailed and clear transaction lists, easy for review and accounting.
• Automated settlement within 24 hours, ensuring absolute security.
• Finally, the 24/7 service quality is one of the outstanding highlights highly appreciated by businesses.

PAYDI has outstanding features that surpass other payment service providers:

• Quality of consultation and 24/7 care: comprehensive support throughout the usage of PAYDI services. With over 18 years of experience as the pioneer in providing POS payment services in Vietnam, PAYDI boasts a dedicated and well-trained team with extensive expertise in advising and supporting merchants.
• Providing a truly comprehensive business solution: all integrated on a single smart device: payment services; diverse financial solutions for both businesses (Quick Capital for SMEs) and customers (ability to apply for unsecured loans: “buy now, pay later” without credit cards or cash; 0% interest installment conversion using credit cards with 24 partner banks directly on the terminal, no-paper application required); easy integration with existing business point-of-sale software, marketing support, and more.
• Smart and diverse payment devices: compact, elegant design with a simple user interface, catering to businesses of all sizes and types, accepting all types of credit and debit cards, as well as various QR codes.
• Flexible MDR (Merchant Discount Rate) fees for large and chain merchants, along with effective marketing support within the PAYDI ecosystem.

PAYDI provides services for all types of legal businesses in Vietnam, including:

• Healthcare: hospitals and clinics (public/private, general and specialized medical centers), dental clinics, pharmacies, beauty clinics, eyewear shops, spas, gyms.
• Education: public/private/international schools, vocational training centers.
• Public services: court fees, fines, taxes, postal services.
• Transportation services: ferries, inland waterway transport, railways, toll fees, bus services, taxis, other transportation services.
• Petroleum: gas stations, automated fuel stations.
• Utilities: electricity, water, telephone, internet, broadcasting, television bills.
• Supermarkets, convenience stores, grocery stores.
• Insurance.
• Electronics, electrical appliances, and mobile phones.
• Restaurants, fast-food outlets.
• Hotels, ticket agents, tour operators.
• Fashion, cosmetics.
• Jewelry, gold, silver, gemstones.
• Furniture, fine arts, paintings.

With its diverse features and flexible capabilities, PAYDI is suitable for almost all types and scales of businesses, including but not limited to: retail stores/chains, supermarkets, electronics stores, convenience stores, companies, insurance agencies, restaurants, hotels, beauty clinics, gyms, fashion outlets, mobile phone shops, travel agencies, transportation, airlines, education, healthcare, public services, and more.

To register for the PAYDI SmartPOS services, businesses/stores should follow these steps:

Step 1: Choose one of the following three methods:

• Go to www.paydi.vn\ and click on the “Register” button.
• Email: support@paydi.vn.
• Call the PAYDI call center: 1900.636.724.

Step 2: Send the following documents (soft files) via email to support@paydi.vn:

• Business Registration Certificate – 1 scanned copy/photo.
• Legal representative identification documents (ID card, Passport) – 1 scanned copy/photo.
• Tax code registration certificate (for business households) – 1 scanned copy/photo.
• Images of the business location – 3 photos from 3 angles showing the address and business products/services.

Step 3: The business will wait for the profile review and sign the contract.

Step 4: Receive and install the terminal (PAYDI staff will come to the business location to install the terminal, hand over the contract, provide instructions on using the device, guide on document storage, risk identification, and payment management).

The time for the profile evaluation and registration approval process includes the following steps:

• Profile evaluation: 1 day (if approved, proceed to #2).
• PAYDI sends the Service Supply Contract: 1 day.
• PAYDI receives the signed Contract from the Business.
• PAYDI issues Terminal identification code (TID): 1 day.
• PAYDI installs the Terminal and provides usage instructions at the business loation: 1 day.

Businesses/stores can be ready to use PAYDI’s services within 3-5 working days from the completion date of the registration process.

Businesses can view and check transaction history through the following channels:

1. Email: PAYDI sends transaction daily reports from the email address: no-reply.baoco@paydi.vn to the business’s registered email.
2. Merchant Portal: PAYDI provides businesses with login accounts to the Merchant Portal (with a website interface), which offers comprehensive information about transactions conducted on the SmartPOS terminal, including:

• • • Detailed transaction reports, settled transactions, and summarized settled transactions.
    • Refund transactions: creating refunds and a list of refunded transactions.
    • Agent/affiliate information, branch information, and POS terminal information at each business location.
    • Electronic invoices: invoices for payment/cancellation/settlement transactions.

PAYDI provides twice settlements per day to the business as follows:

• Batch 1: If settlement is made after 15:00 yesterday (T-1) to before 8:00 today (T0), the credit will be from 11:00 to 15:00 on the same day.
• Batch 2: If settlement is made from 8:00 to 15:00, the credit will be from 18:00 to 23:00 on the same day.
• If the transaction, settlement, reconciliation, service fees, etc., fall on Saturdays, Sundays, holidays, both parties will carry out reconciliation/settlement/credit reporting on the first working day after the weekends/holidays.

PAYDI provides detailed information to businesses through the following two channels:

• Via the registered email of the business.
• Through PAYDI’s Merchant Portal. With the Merchant Portal accessible through a website interface, businesses can easily monitor, check, process, and analyze transactions filtered by each business location, card type, time, and more, based on the system’s advanced transaction management functionality.

If the settlement is forgotten at the end of the shift/day, the business can perform the settlement on the next shift/day. The unsettled transaction amount will be included in the next successful settlement day.

Businesses should ideally perform settlement at least by the end of each day (within 24 hours from when the transaction was made).

PAYDI reserves the right to refuse payments for transactions that have not been settled within the specified timeframe.

PAYDI provides detailed information to businesses through the following two channels:

• Via the registered email of the business.
• Through PAYDI’s Merchant Portal. With the Merchant Portal accessible through a website interface, businesses can easily monitor, check, process, and analyze transactions filtered by each business location, card type, time, and more, based on the system’s advanced transaction management functionality.

The PAYDI SmartPOS terminal accepts payments from all types of credit and debit cards, as well as all kinds of cards (magnetic stripe, chip, contactless) issued both domestically and internationally, with a very competitive Merchant Discount Rate (MDR).

The PAYDI SmartPOS terminal accepts payments from all types of QR codes, including e-wallets (Momo, ZaloPay, …), Mobile Banking Apps from all banks, with very competitive fees.

Some identification methods are as follows:

1. Request the payer to sign the invoice and compare it with the signature on the back of the card to ensure the payer is the cardholder.
2. If there is no signature on the back of the card, ask the payer to present identification documents to prove that he/she is the cardholder, then request the cardholder to sign on the signature strip before making the payment.
3. For high-value transactions, before making the payment, check the physical condition of the card, such as:

• • The card information must be consistent and entirely embossed or indented (card number, cardholder name, and expiration date).

  • Check the condition of the identification label (hologram): it should not be peeled or show any signs of altered 3D images as specified by the card issuer.

  • The cardholder’s signature on the signature strip.

  • Verify the name of the issuing bank. For cards issued by foreign banks, special attention should be given: transactions should not be split; if a transaction encounters an error, it should be immediately checked with PAYDI’s customer service staff; the transaction should not be repeatedly attempted.

MOTO (Mail Order/Telephone Order): It is a form of placing orders, bookings, or pre-ordering services, etc., between the Cardholder/OTA and the Merchant. After agreeing on the goods, services, and the amount to be paid, the Cardholder/OTA will provide the Merchant with card information to process the payment (card number, expiration date, CVV2).

Upon receiving the card information, the Merchant will perform a Key-in (manually entering the card information into the payment terminal) to process the transaction.

Currently, PAYDI only provides the Key-in (MOTO) function for the hotel/accommodation industry.

Due to the manual entry (Key-in) of card information, which may increase the risk of fraud, the granting of the Key-in/MOTO function always comes with specific conditions and security measures (which will be detailedly instructed by PAYDI staff to enable businesses to proactively manage risks).

This function is available for hotels/accommodations with a minimum of 3-star scale (certified) and must implement a risk guarantee deposit (the deposit amount varies based on the level, value, and frequency of related transactions).

The evaluation and approval process for the Key-in/MOTO function registration with PAYDI is fast and convenient:

• For large hotels/hotel chains from 4 to 5 stars: 1 day, no deposit required.
• For 3-star hotels/hotel chains: 1 day, with a deposit requirement.

In both of the following cases, please contact the dedicated business care staff of your enterprise/store, whose name and phone number are displayed on the smartPOS terminal, to receive support, advice, and document exchange.

1. If there are changes in other information of the Business Registration Certificate (such as re-registration, change of address, charter capital, etc.), the enterprise/store should provide PAYDI with the new Business Registration Certificate and notify the changes to the Partner Information (in original copies, using the enterprise’s template or should request PAYDI’s template).
2. If the Business Registration Certificate’s number and/or the legal representative change: The enterprise/store must follow the procedure as of signing a new contract and submit the accompanying documents as follows:

• • Business Registration Certificate – 1 scanned copy/photo.
  • Legal representative identification documents (ID card, Passport) – 1 scanned copy/photo.
  • Tax code registration certificate (for business households) – 1 scanned copy/photo.
  • Images of the business location – 3 photos from 3 angles showing the address and business products/services.

The business/store needs to sign an Annex (part of the Service Supply Contract), provides photos/scans of the Business Registration Certificate, pictures of the signboard, and products sold at the new selling point/branch where you want to install the additional terminal(s).