Vietnam
Vietnam’s payment landscape in 2026 is shaped by strong adoption of credit and debit cards in digital commerce. Cards account for around 68% of transaction volume, maintaining a leading role alongside local e-wallet options. For B2B merchants, prioritizing bank-integrated payment solutions is key to reaching consumers and unlocking growth in Vietnam’s expanding market.
*Data is for Codapay in the period of 1st Oct 2024 - 30th Sep 2025
Impact figures
59%
Android users
41%
iOS users
5.8%
Credit & Debit Card ownership
2.9B
App downloads in 2025
343.3M
App revenue (USD) in 2025
Insights
Digital wallets
Vietnam’s highly Android-dominant market limits Apple Pay's effectiveness for enabling online payments.
Cards
Credit & Debit cards have low penetration in-market, yet account for 68% of Codapay volumes, demonstrating strong card preference among the small card-holding population.
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